You’ve been contributing to your 401(k) and maxed out your contributions to your Roth IRA. Here’s one more simple thing to do to successfully invest, save, and plan for your retirement. (Via MarketWatch Picks)
You’ve been contributing to your 401. You’ve maxed out your contributions to your Roth IRA. Is there anything else you can do to successfully invest, save, and plan for your retirement? The answer is yes, says Rhian Horgan, the former head of alternative investment strategies at JP Morgan Asset Management, and current CEO of Silvur, an app that helps people over 50 navigate retirement. Here’s what Horgan says you should consider thinking about beyond your 401 when planning for retirement.
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Consider an HSA Horgan said that one of the biggest regrets she hears from retirees is that they hadn’t correctly factored healthcare costs into their planning. “The average Medicare plan with a supplemental plan included can run people $500 to $600 a month per person,” she said. “I just think it’s a travesty that we sell the idea of a “zero premium” Medicare plan. “‘Zero premium’ isn’t zero cost.
Here’s how they work: As an individual, in 2022, you can put $3,650 a year into an HSA, or as a family, you can put $7,300 a year into an HSA. Earnings are tax free, and as the account grows, you get tax-free withdrawals for medical expenses, such as co-pays, out of pocket costs, and medications. Once you hit age 65, you can use the money in your HSA for non-medical expenses without a penalty .
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