<p>当你到达 50 岁时，你可能已经对如何使用退休账户有了相当不错的理解。你在工作中赚取收入，然后将一部分转入 401(k)、IRA 或其他账户，这些资金会被投资，直到你准备退休。</p>
<p>这可能变得如此例行化，以至于你几个月甚至几年都不会考虑你的退休账户，除非你的计划发生了变化。但在你 50 岁那年，有几个未公告的变化生效，它们可能正是你享受梦想退休所需要的。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzM2NjQvc21pbGluZy1wZXJzb24taG9sZGluZy1nbGFzc2VzLWFuZC1sb29raW5nLWF0LWxhcHRvcC5qcGcmdz03MDA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzM2NjQvc21pbGluZy1wZXJzb24taG9sZGluZy1nbGFzc2VzLWFuZC1sb29raW5nLWF0LWxhcHRvcC5qcGcmdz03MDA"/></p>
<p>图片来源：Getty Images。</p>
<h2>1. 补缴贡献</h2>
<p>如果你在年轻时无法为退休储蓄足够的资金，补缴贡献可以帮助你解决这个问题。它们是你可以在标准年度贡献限额之上额外贡献到退休账户的金额。</p>
<p>例如，IRA 允许 50 岁以下的成年人在 2025 年贡献最多$7,000。但 50 岁及以上的人可以贡献最多$8,000。额外的$1,000 就是补缴贡献。这同样适用于 Roth IRA。</p>
<p>401(k) 的规则稍微复杂一些。50 岁以下的成年人今年最多可以储蓄$23,500。50 至 59 岁和 64 岁及以上的人最多可以储蓄$31,000，而 60 至 63 岁的人在年底之前最多可以储蓄$34,750。</p>
<p>政府每年审查标准贡献和补缴贡献限额，有时会增加它们。在新年开始时检查这一点总是值得的，特别是如果你希望最大化你的退休账户。</p>
<p>当然，如果你每年无法储蓄很多用于退休的资金，那么更高的贡献限额可能对你来说并不是一个有用的好处。在这种情况下，你可能需要考虑其他退休储蓄策略来建立你的养老金。</p>
<h2>2. 55 岁规则</h2>
<p>55 岁规则是一个有用的 401(k) 选项，允许你在 59 岁半之前从最近雇主的账户中提取资金，而无需支付 10% 的提前提取罚款。然而，这并不免除你对提取资金支付所得税的义务。</p>
<p>这个规则本身相当简单：如果你在将满 55 岁的那一年辞职或以其他方式离开工作——即使在离职时你只有 54 岁——你可以仅从该雇主的 401(k) 中提取资金，而无需支付提前提取罚款。如果你是公共安全工作者，例如警察、消防员、空中交通管制员或急救医务人员，你可以在 50 岁那年提前五年享受这一好处。</p>
<p>如果你有很多储蓄，并且希望在没有税务罚款的情况下提前提取，这个选项非常不错。但如果你担心在退休时资金会提前耗尽，这可能不是一个好的选择。在这种情况下，你可能更好地将储蓄留在原处，并继续工作，直到你更有信心自己有足够的资金。</p>
<h2>注意未来退休账户的变化</h2>
<p>退休账户的规则可能会随着时间而变化。例如，60 至 63 岁成年人额外的 401(k) 补缴贡献仅在 2025 年生效。因此，在接下来的几年中，规则可能会进一步变化。</p>
<p>在尝试利用上述两条规则之前，重要的是仔细检查你的贡献限额和提前退休账户提取的规则，以确保你不会意外收到税单。</p>

AGED

<p>本文讨论了 50 岁及以上个人的两项退休账户福利。首先，强调了补缴贡献，允许 50 岁以上的人向个人退休账户（IRA）和 401(k) 计划贡献更多，从而增加他们的储蓄潜力。其次，解释了 55 岁规则，该规则允许在 55 岁那年离职的人从 401(k) 中无罚款提取资金。这两种选择为增强退休储蓄提供了宝贵的机会，但个人在利用这些福利之前应谨慎考虑自己的财务状况</p>

<p>By the time you turn 50, you probably have a decent understanding of how to use your retirement accounts. You make money at your job, then you transfer a portion of this to a 401(k), IRA, or other account where it's invested until you're ready to retire.</p>
<div class="lb-trans"><p>当你到达 50 岁时，你可能已经对如何使用退休账户有了相当不错的理解。你在工作中赚取收入，然后将一部分转入 401(k)、IRA 或其他账户，这些资金会被投资，直到你准备退休。</p>
</div><p>It can become so routine that you don't even think about your retirement account for months or even years, unless something about your plan changes. But there are a couple of unannounced changes that take effect in the year you turn 50, and they could be exactly what you need to enjoy your dream retirement.</p>
<div class="lb-trans"><p>这可能变得如此例行化，以至于你几个月甚至几年都不会考虑你的退休账户，除非你的计划发生了变化。但在你 50 岁那年，有几个未公告的变化生效，它们可能正是你享受梦想退休所需要的。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzM2NjQvc21pbGluZy1wZXJzb24taG9sZGluZy1nbGFzc2VzLWFuZC1sb29raW5nLWF0LWxhcHRvcC5qcGcmdz03MDA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F833664%2Fsmiling-person-holding-glasses-and-looking-at-laptop.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>1. Catch-up contributions</h2>
<div class="lb-trans"><h2>1. 补缴贡献</h2>
</div><p>If you weren't able to save as much as you wanted for retirement when you were younger, catch-up contributions can help you fix that. They're additional amounts you can contribute to your retirement accounts on top of the standard contribution limit for the year.</p>
<div class="lb-trans"><p>如果你在年轻时无法为退休储蓄足够的资金，补缴贡献可以帮助你解决这个问题。它们是你可以在标准年度贡献限额之上额外贡献到退休账户的金额。</p>
</div><p>For example, IRAs allow adults under 50 to contribute up to $7,000 in 2025. But those 50 and older can contribute up to $8,000. The extra $1,000 is a catch-up contribution. This applies to Roth IRAs as well.</p>
<div class="lb-trans"><p>例如，IRA 允许 50 岁以下的成年人在 2025 年贡献最多$7,000。但 50 岁及以上的人可以贡献最多$8,000。额外的$1,000 就是补缴贡献。这同样适用于 Roth IRA。</p>
</div><p>401(k) s are a bit more complicated. Adults under 50 may save up to $23,500 this year. Those aged 50 to 59 and 64 or older may save up to $31,000, while those aged 60 to 63 by the end of the year may save up to $34,750.</p>
<div class="lb-trans"><p>401(k) 的规则稍微复杂一些。50 岁以下的成年人今年最多可以储蓄$23,500。50 至 59 岁和 64 岁及以上的人最多可以储蓄$31,000，而 60 至 63 岁的人在年底之前最多可以储蓄$34,750。</p>
</div><p>The government reviews the standard contribution and catch-up contribution limits annually and sometimes increases them. It's always worth checking this at the start of a new year, especially if you hope to max out your retirement accounts.</p>
<div class="lb-trans"><p>政府每年审查标准贡献和补缴贡献限额，有时会增加它们。在新年开始时检查这一点总是值得的，特别是如果你希望最大化你的退休账户。</p>
</div><p>Of course, higher contribution limits may not be a useful perk to you if you can't afford to save much for retirement each year. In that case, you may need to look into other retirement savings strategies to build your nest egg.</p>
<div class="lb-trans"><p>当然，如果你每年无法储蓄很多用于退休的资金，那么更高的贡献限额可能对你来说并不是一个有用的好处。在这种情况下，你可能需要考虑其他退休储蓄策略来建立你的养老金。</p>
</div><h2>2. Rule of 55</h2>
<div class="lb-trans"><h2>2. 55 岁规则</h2>
</div><p>The Rule of 55 is a useful 401(k) option that allows you to take withdrawals from your most recent employer's account without paying the 10% early withdrawal penalty for distributions made while you're under 59 1/2. However, this doesn't get you out of paying income taxes on your withdrawals.</p>
<div class="lb-trans"><p>55 岁规则是一个有用的 401(k) 选项，允许你在 59 岁半之前从最近雇主的账户中提取资金，而无需支付 10% 的提前提取罚款。然而，这并不免除你对提取资金支付所得税的义务。</p>
</div><p>The rule itself is pretty simple: If you quit or otherwise leave your job in the year you will turn 55 -- even if you're only 54 at the time of the separation -- you can make withdrawals from that employer's 401(k) only without the early withdrawal penalty. If you're a public safety worker, such as a police officer, firefighter, air traffic controller, or EMT, you can take advantage of this perk five years early in the year you turn 50.</p>
<div class="lb-trans"><p>这个规则本身相当简单：如果你在将满 55 岁的那一年辞职或以其他方式离开工作——即使在离职时你只有 54 岁——你可以仅从该雇主的 401(k) 中提取资金，而无需支付提前提取罚款。如果你是公共安全工作者，例如警察、消防员、空中交通管制员或急救医务人员，你可以在 50 岁那年提前五年享受这一好处。</p>
</div><p>This is a great option if you have a lot of savings and are looking for a way to tap them early without a tax penalty. But it might not be a good choice if you're concerned about running out of money prematurely in retirement. In that case, you're probably better off leaving your savings where they are and continuing to work until you feel more confident that you have enough money set aside.</p>
<div class="lb-trans"><p>如果你有很多储蓄，并且希望在没有税务罚款的情况下提前提取，这个选项非常不错。但如果你担心在退休时资金会提前耗尽，这可能不是一个好的选择。在这种情况下，你可能更好地将储蓄留在原处，并继续工作，直到你更有信心自己有足够的资金。</p>
</div><h2>Watch for future retirement account changes</h2>
<div class="lb-trans"><h2>注意未来退休账户的变化</h2>
</div><p>Retirement account rules can change over time. For example, the additional 401(k) catch-up contribution for adults aged 60 to 63 only took effect in 2025. So there's a chance that the rules could change even further over the next several years.</p>
<div class="lb-trans"><p>退休账户的规则可能会随着时间而变化。例如，60 至 63 岁成年人额外的 401(k) 补缴贡献仅在 2025 年生效。因此，在接下来的几年中，规则可能会进一步变化。</p>
</div><p>It's important to double-check your contribution limits and the rules around early retirement account withdrawals before you attempt to take advantage of either of the two rules above to ensure you don't wind up with an unexpected tax bill.</p>
<div class="lb-trans"><p>在尝试利用上述两条规则之前，重要的是仔细检查你的贡献限额和提前退休账户提取的规则，以确保你不会意外收到税单。</p>
</div>

两项鲜为人知的退休账户福利，仅限 50 岁及以上人士享有