18 or over with earned income can contribute
$7,000 under age 50 or
$8,000 if age 50 or older
Rollover to Traditional 爱尔兰共和军 or 罗斯爱尔兰共和军
当你离开一份工作时，你不必放弃雇主资助的401(k)退休计划. 对大多数人来说，将401(k)转入个人退休账户是个不错的选择. When you roll over to an 爱尔兰共和军, 如果你遵守爱尔兰共和军的规定，你就可以保持退休储蓄的税收优惠地位.
Withdrawals are penalty-free once 爱尔兰共和军 owner reaches 59 1/2
Maintain tax-deferred status of your retirement savings
Guaranteed return on principal with automatic renewal at maturity; Federally insured up to $250,000
和朋友交谈 CFS Financial Advisor available through CUSO Financial Services, L.P. ("CFS") about your options2
所提供的计算仅用于演示目的，并不保证所显示的利率和条款获得信贷批准.
If you reach the age of 50 before the end of the taxable year, 您可能有资格向您的传统和/或罗斯爱尔兰共和军提供额外的补足供款.
You can open and fund one without employer participation
Contributions/earnings are tax-deferred until retirement.
根据你参加计划的情况和收入，你可能会从税收减免中受益.
你的资金总是可用的，雇主的计划通常不是这样.
There’s no minimum contribution.
The main difference between them is when you pay taxes.
A 传统的爱尔兰共和军 is tax deferred. This means that you can contribute money before it's taxed, 在你提取这些钱之前，你不需要为这些捐款或收入纳税. 当你开始从你的个人退休账户中取款时，你可能会赚得更少, 这意味着你最终可能会处于较低的纳税等级，总体上缴纳的税款也会减少. 如果你有资格, 你也可以在你的联邦所得税申报表中扣除你对个人退休账户的贡献, which can lower how much you will need to pay.
A 罗斯爱尔兰共和军 is not tax deferred, 这意味着当你把钱存入账户时，你就欠了税. 但这意味着你不必担心以后支付，你的捐款可以免税增长. 如果你的账户已经开了至少5年，提款和收入是免税的, and you're at least 59 and a half.
如果你想在59岁半之前取钱，你必须缴纳10%的罚款. On the other hand, 如果你有一个传统的个人退休账户，你必须在73岁之后开始进行最低分配(rmd). 这是你每年必须提取的最低金额. RMDs are taxed as ordinary income. If you have a 罗斯爱尔兰共和军, you won't have an RMD.
We want to help you with your 翻转爱尔兰共和军. 安排一个免费会议与任何我们的经验丰富的CUSO金融服务，L.P. ("CFS") financial advisors. We'll talk with you about your goals and interests, find out where you are financially, and get you started on a path that works for you.
了解更多, watch this video from Jane Krueger, CFP, Financial Advisor, CUSO Financial Services, L.P. at Patelco 信贷 Union.
所有的道路都通向退休，为这一重要的生活事件存钱，从你开始工作的时候就开始了. 有了国税局的税收优惠，我们可以为自己的退休储蓄，这很容易. It's cheaper too, 如果你投资一些可靠的股票基金，让全球经济增长在你的一生中积累你的资产. 随着人们临近退休，他们几乎本能地希望转向安全和保守的投资. 我明白了, but I always have to remind clients that at age 65, you could be 20 or 30 years away from your long-term goals.
对货币市场储蓄和定期存单的投资从未跟上通胀和税收的步伐. 事实上, 每20年一次, 我们的钱的价值只有他们的一半，或者说购买力只有他们的一半. 幸运的是，有一些产品可以提供本金保护，并从市场指数中获得潜在增长.
A good financial advisor can help you invest, 积累, 巩固并最终计划分配你的退休资产给你.
Retirement Planning
为退休做计划，想知道退休后需要多少钱? Patelco可以帮助你决定存多少钱，并计划你的退休收入.
Are you between the ages of 41-55? 无论你是在正轨上还是需要做一些追赶，都要了解X一代的退休策略!
1 Consult tax advisor about 爱尔兰共和军 tax advantages.
2 非存款投资产品和服务是通过CUSO Financial services, L.P. ("CFS"), a registered broker-dealer (Member 美国金融业监管局/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, 并可能涉及投资风险，包括可能损失本金. Investment Representatives are registered through CFS. Patelco信用合作社已与CFS签订合同，为信用合作社成员提供非存款投资产品和服务.
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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®，注册财务规划师™和联邦注册CFP(火焰设计)在美国.S., 它授予成功完成CFP委员会初始和持续认证要求的个人.
