<p>对于许多即将退休的人来说，纸面上的问题简单，但现实中却令人恐惧：你辛苦建立的 401(k) 会发生什么？68 岁的听众 <strong>Susan Delferman</strong> 向 “Suze Orman 的女性与财富” 播客提出了这个问题，她距离正式退休仅有一年。</p>
<p>“嘿，Suze，我相信你可能之前回答过这个问题，但我刚开始听你的播客。我想把我的 401(k) 转到其他地方，因为我明年 68 岁就要退休了。我应该转到哪里？”</p>
<p>在 <strong>Suze Orman</strong> 能够回答之前，她的搭档 KT 插话说：“我建议把它转到 Roth IRA。”</p>
<p><strong>不要错过：</strong></p>
<ul>
<li><strong>Kevin O'Leary 喜欢 ‘美好的持续现金流’——这些小型工业资产正是如此</strong></li>
<li><strong>Jeff Bezos 支持的 Arrived Homes 在夏洛特物业上达成大交易——投资者获得 34.7% 的回报</strong></li>
</ul>
<p>这就是 Suze 所需要听到的全部。“但她有一个 401(k)。她没有告诉你她有一个 Roth 401(k)。她说她有一个 401(k)。” 在 Suze 的世界里，这意味着一件事：Roth 转换不是正确的选择。税收会立即产生，而 Susan 并没有提到她准备好面对这一点。</p>
<p>从那里，Orman 详细解释了选项。她提醒 Susan，转移 401(k) 并不像按下开关那么简单。“当你把它转到一个 IRA 转移账户时，它将是一个传统的 IRA 转移，为什么？因为你不想在转移时欠税，而且这将是一个保管人到保管人的转移。你希望它直接从你的雇主赞助的 401(k) 转到你在经纪公司开的 IRA 转移账户。”</p>
<p>而且这仅仅是开始。一旦资金进入 IRA，所有的资产都会被清算成现金。“当你这样做时，他们必须清算你 401(k) 中的所有资产，包括所有的共同基金等，转移的将是现金。现在你需要自己决定如何投资这笔钱？你想一次性投资吗？还是想进行定投？所以我想问你的是，你对此有多舒适？”</p>
<p><strong>热门话题：一位 EA 联合创始人塑造了这个风险投资支持的市场——现在你可以投资游戏的下一个大平台</strong></p>
<p>那个词——舒适——不断出现。Suze 警告说，一旦账户转移，退休人员就要独自选择投资，金融行业会准备好提供建议，但这些建议不一定总是符合客户的最佳利益。“因为我可以告诉你，如果金额很大，当你转移到经纪公司时，哦，会有一些财务顾问说我认为你应该这样做，我认为你应该那样做，买一个年金，做这个，做那个。所以这完全取决于你的知识和舒适程度，因为记住，钱的目标是让你感到安全。”</p>
<p>那么这对 Susan 意味着什么？令人惊讶的是，可能正是她开始时的状态。“也许你在前雇主的 401(k) 中感到安全，那里正好是投资的地方。也许它全部投资于标准普尔 500 基金或类似的东西。所以现在的问题又回到了你身上，亲爱的。你对现在的状态感到舒适吗，还是觉得足够安全，可以转到 IRA 转移并进行投资？”</p>
<p>KT 问她是否可以简单地不动这个账户。Suze 的回答很简单：“是的，只要金额在$5,000 或以上，她可以将其留在前雇主的 401(k) 计划中，这样她可能会感到更舒适。”</p>
<p>Orman 还给了 Susan 一个折中方案：尝试转移一部分资金，看看感觉如何，然后再做完全转移。但她明确表示，Roth IRA 转移在这个阶段和根据 Susan 提供的信息并不是正确的步骤。</p>
<p>这提醒我们，退休决策很少是一刀切的。对于 Susan 来说，最好的答案是耐心。对于任何处于她境地的人，与值得信赖的财务顾问交谈可以在进行转移之前提供所需的清晰度。</p>
<p>因为当你 68 岁，面临退休时，最后你想要的就是因为习惯或匆忙而把一生的积蓄转移到错误的地方。</p>
<p><em><strong>图片来源：Shutterstock</strong></em></p>

<p>Suze Orman 向 68 岁的听众 Susan Delferman 提出了关于她 401(k) 选择的建议，因为她即将退休。Orman 强调了了解将 401(k) 转移到 Roth IRA 的影响的重要性，并警告可能会有立即的税务后果。她建议考虑传统 IRA 的转移，强调在投资决策中需要有舒适感和知识。Orman 还提到，如果 Susan 的 401(k) 满足最低余额要求，她可以将其保留在前雇主那里。最终，她建议在做出任何决定之前保持耐心，并咨询财务顾问</p>

<p>For plenty of people heading into retirement, the question is simple on paper but terrifying in reality: what happens to that 401(k) you've been building for decades? At 68, just one year away from clocking out for good, listener <strong>Susan Delferman</strong> sent that exact question to &#34;Suze Orman's Women &amp; Money&#34; podcast.</p>
<div class="lb-trans"><p>对于许多即将退休的人来说，纸面上的问题简单，但现实中却令人恐惧：你辛苦建立的 401(k) 会发生什么？68 岁的听众 <strong>Susan Delferman</strong> 向 “Suze Orman 的女性与财富” 播客提出了这个问题，她距离正式退休仅有一年。</p>
</div><p>&#34;Hey, Suze, I'm sure you've probably answered this question before, but I've just started listening to your podcast. I want to move my 401k into something since I'm about to retire next year at 68. Where should I move it?&#34;</p>
<div class="lb-trans"><p>“嘿，Suze，我相信你可能之前回答过这个问题，但我刚开始听你的播客。我想把我的 401(k) 转到其他地方，因为我明年 68 岁就要退休了。我应该转到哪里？”</p>
</div><p>Before <strong>Suze Orman</strong> could answer, her co-host KT jumped in. &#34;I would roll it over to a Roth IRA.&#34;</p>
<div class="lb-trans"><p>在 <strong>Suze Orman</strong> 能够回答之前，她的搭档 KT 插话说：“我建议把它转到 Roth IRA。”</p>
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<div class="lb-trans"><p><strong>不要错过：</strong></p>
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<div class="lb-trans"><ul>
<li><strong>Kevin O'Leary 喜欢 ‘美好的持续现金流’——这些小型工业资产正是如此</strong></li>
<li><strong>Jeff Bezos 支持的 Arrived Homes 在夏洛特物业上达成大交易——投资者获得 34.7% 的回报</strong></li>
</ul>
</div><p>That was all Suze needed to hear. &#34;But she has a 401k. She didn't tell you she had a Roth 401(k). She said she has a 401(k).&#34; In Suze's world, that meant one thing: a Roth conversion wasn't the right move. Taxes would hit immediately, and Susan hadn't said a word about being ready for that.</p>
<div class="lb-trans"><p>这就是 Suze 所需要听到的全部。“但她有一个 401(k)。她没有告诉你她有一个 Roth 401(k)。她说她有一个 401(k)。” 在 Suze 的世界里，这意味着一件事：Roth 转换不是正确的选择。税收会立即产生，而 Susan 并没有提到她准备好面对这一点。</p>
</div><p>From there, Orman unpacked the options. She reminded Susan that moving a 401(k) is not as simple as flipping a switch. &#34;When you roll it to let's say an IRA rollover, and it would be a traditional IRA rollover, why? Because you don't want to owe taxes on it when you do so, and it would be a custodian to custodian rollover. You want it to go directly from your employer sponsored 401(k) into your IRA rollover at a brokerage firm.&#34;</p>
<div class="lb-trans"><p>从那里，Orman 详细解释了选项。她提醒 Susan，转移 401(k) 并不像按下开关那么简单。“当你把它转到一个 IRA 转移账户时，它将是一个传统的 IRA 转移，为什么？因为你不想在转移时欠税，而且这将是一个保管人到保管人的转移。你希望它直接从你的雇主赞助的 401(k) 转到你在经纪公司开的 IRA 转移账户。”</p>
</div><p>And even that is just the beginning. Once the funds land in the IRA, everything is liquidated into cash. &#34;When you do that, they have to liquidate everything that's in your 401(k), all the mutual funds and everything, and it's cash that will roll over. Now you're going to have to decide on your own how do you want to invest that money? Do you want to invest it all at once? Do you want a dollar cost average? So the question I turn back to you is how comfortable do you feel doing that?&#34;</p>
<div class="lb-trans"><p>而且这仅仅是开始。一旦资金进入 IRA，所有的资产都会被清算成现金。“当你这样做时，他们必须清算你 401(k) 中的所有资产，包括所有的共同基金等，转移的将是现金。现在你需要自己决定如何投资这笔钱？你想一次性投资吗？还是想进行定投？所以我想问你的是，你对此有多舒适？”</p>
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<div class="lb-trans"><p><strong>热门话题：一位 EA 联合创始人塑造了这个风险投资支持的市场——现在你可以投资游戏的下一个大平台</strong></p>
</div><p>That word — comfortable — kept coming up. Suze warned that once the account is moved, the retiree is on their own to pick investments, and the financial industry will be ready to pounce with advice that may not always be in the client's best interest. &#34;Because I can tell you if it's a large amount when you roll it over to a brokerage firm, oh, you're going to have some financial adviser saying I think you should do this, I think you should do that, let's buy an annuity, let's do this, let's do that. So just depending on your knowledge, your comfort level, because remember the goal of money is for you to be secure.&#34;</p>
<div class="lb-trans"><p>那个词——舒适——不断出现。Suze 警告说，一旦账户转移，退休人员就要独自选择投资，金融行业会准备好提供建议，但这些建议不一定总是符合客户的最佳利益。“因为我可以告诉你，如果金额很大，当你转移到经纪公司时，哦，会有一些财务顾问说我认为你应该这样做，我认为你应该那样做，买一个年金，做这个，做那个。所以这完全取决于你的知识和舒适程度，因为记住，钱的目标是让你感到安全。”</p>
</div><p>So where does that leave Susan? Surprisingly, maybe right where she started. &#34;And it may just be that you are secure with it in your 401(k) at your ex-employers where it happens to be invested. Maybe it's all invested in a Standard and Poor's 500 fund or something like that. So the question now reverts right back to you, girlfriend. Are you comfortable where it is, or do you feel secure enough for it to go to an IRA rollover and invest it?&#34;</p>
<div class="lb-trans"><p>那么这对 Susan 意味着什么？令人惊讶的是，可能正是她开始时的状态。“也许你在前雇主的 401(k) 中感到安全，那里正好是投资的地方。也许它全部投资于标准普尔 500 基金或类似的东西。所以现在的问题又回到了你身上，亲爱的。你对现在的状态感到舒适吗，还是觉得足够安全，可以转到 IRA 转移并进行投资？”</p>
</div><p>KT asked if she could simply leave the account untouched. Suze's reply was simple: &#34;Yeah, yeah, as long as it's $5,000 or more, she can leave it at her ex-employer's 401(k) plan, which she may feel more comfortable with.&#34;</p>
<div class="lb-trans"><p>KT 问她是否可以简单地不动这个账户。Suze 的回答很简单：“是的，只要金额在$5,000 或以上，她可以将其留在前雇主的 401(k) 计划中，这样她可能会感到更舒适。”</p>
</div><p>Orman also gave Susan a middle ground: try rolling over part of it and see how it feels before making a complete move. But what she did make clear was that a Roth IRA rollover was not the right step — not at this stage, and not with the information Susan provided.</p>
<div class="lb-trans"><p>Orman 还给了 Susan 一个折中方案：尝试转移一部分资金，看看感觉如何，然后再做完全转移。但她明确表示，Roth IRA 转移在这个阶段和根据 Susan 提供的信息并不是正确的步骤。</p>
</div><p>It was a reminder that retirement decisions are rarely one-size-fits-all. For Susan, the best answer was patience. For anyone in her shoes, chatting with a trusted financial advisor could provide the clarity needed before pulling the trigger on a rollover.</p>
<div class="lb-trans"><p>这提醒我们，退休决策很少是一刀切的。对于 Susan 来说，最好的答案是耐心。对于任何处于她境地的人，与值得信赖的财务顾问交谈可以在进行转移之前提供所需的清晰度。</p>
</div><p>Because when you're 68 and staring down retirement, the last thing you want is to shift your life's savings into the wrong place out of habit or haste.</p>
<div class="lb-trans"><p>因为当你 68 岁，面临退休时，最后你想要的就是因为习惯或匆忙而把一生的积蓄转移到错误的地方。</p>
</div><p><em><strong>Image: Shutterstock</strong></em></p>
<div class="lb-trans"><p><em><strong>图片来源：Shutterstock</strong></em></p>
</div>

距离退休仅一年，68 岁的女士想知道该如何处理她的 401(k) 账户——Suze Orman 建议她除非知道如何重新投资，否则不要动这个账户