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

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.

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

The pension account established by the company has three advantages:

(1) The company provides subsidies of more than 3%- 12% every year. 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.

(3) 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.

3. Individual retirement accounts

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).

4. Annuity

Annuity is also a kind of insurance, which is a wealth management product created by insurance companies to ensure that investors can generate fixed income after retirement when their life span is too long and their savings are not enough to meet their future life.

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).

5. Medical security

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.

It is worth noting that when you are 65 years old, you must remember to apply. After that, you will be fined, and it will be a fine for life.

One more thing, even if it is one of the best medical insurance in the world, the medical insurance in the United States only has 90 days of long-term care, and you have to bear all the nursing expenses after 90 days.