What are the benefits of emigrating to the United States and retiring?

As the largest economic power in the world, the United States has always been one of the ideal immigrant destinations for investors from all over the world. So what benefits can investors enjoy from retiring in the United States after emigration?

Social security income (social security income)

The retirement age in the United States is 62 years early, 66 years normal and 70 years late. If you have a tax return record in the United States for ten years (which can be interrupted), you are eligible to receive social security funds after retirement. According to your annual tax return, the amount of social security payment ranges from $845 to $2,640 per month (according to the calculated inflation rate, the amount will increase by about 3% every year).

At the age of 62, he left early and began to receive a pension. The monthly amount will be 75% of the normal retirement amount. If you choose to postpone retirement at the age of 70 and start to receive social security benefits, you can receive 132% of the normal retirement age every month.

Corporate pension accounts established by enterprises for company managers and full-time employees (define ContributionPlan, such as 40 1k, and define welfare plans, such as pension).

The pension account established by the company has three advantages:

1, the company provides an annual income subsidy of 3%- 12% or higher. For example, if an employee earns $50,000 a year, the company will put $65,438+$0,500 to $6,000 into the employee's pension account every year as a source of income after retirement.

2. Employees can also choose to put part of their income into the company's pension account. This part of the invested money does not need to pay the personal income tax of the year, and the investment profit does not need to be taxed. Only when you receive it after retirement will you be taxed at the post-retirement tax rate.

Even if the company goes bankrupt or changes jobs, there will be no loss of money in the company's pension account. When a legal dispute needs compensation, the money will not be paid to others. This is why many doctors choose to start receiving money from 40 1k after two years of retirement, because there is a two-year prosecution period, and after two years, there is no risk of medical accidents being complained by patients two years ago.

Individual retirement account

Compared with the company's pension account. Except for the company's subsidy of 3%- 12%, the personal pension account enjoys the same treatment as the above (2) and (3).

pension

There are two kinds of annuities: immediate annuities and deferred annuities.

Spot annuity is the year when you put money into the annuity account of the insurance company. According to your age, the insurance company will pay you a certain percentage of the money you put in every year. For example, in the 1960s, the payment rate was about 6% per year, and in the 1970s, it was about 7% per year.

Deferred annuity means that you give money to the insurance company, and the insurance company guarantees that your principal will increase by 5%-7% every year, but the insurance company stipulates that you can only withdraw money from it after a specified number of years (usually 7 to 10 years). When you withdraw the money, the contract will stipulate how much% you can withdraw at most a year (such as 5% maximum withdrawal).

medical insurance

Before the age of 65, companies or individuals are responsible for employees or their own medical insurance. After the age of 65, your medical insurance responsibility will be transferred to the government. After paying a small medical insurance fee every month, you will get one of the best medical insurance systems in the world.

Through the above information, everyone has fully understood the relevant benefits that can be enjoyed in retirement in the United States. All along, the superior living environment, rich educational resources, perfect social welfare system and more open and fair social atmosphere in the United States have deeply attracted many high-end people in China.

The full name of CP HOMES is Country Place Senior Living, which means rural villa for the elderly. It has a history of more than 30 years and has developed nearly 100 chain brands. Every CP home project is a five-star retirement villa integrating medical treatment, catering, entertainment and health care. There are 24 assisted living units, as well as public spaces such as restaurants and reading rooms, with an area of 7000 to 10000 square meters and an indoor area of 1500 square meters.

CP HOMES has hired an experienced project management team and a team of American lawyers, and has the operating experience of thousands of EB-5 investors. So far, it has maintained a success rate of 100%. From the initial business plan to the successful approval of I-829, a large number of successful cases have been proved to be successful copies, which greatly reduced the application time and risk of investors and can be called a model in EB-5 project!