Retirement articles

Video transcript: Did you know there are three ways to contribute to your 401(k), 403(b) or 457(b) retirement plan? Through a pretax account, a Roth account, or a combination of the two. The main difference is when you pay taxes. With a pretax account, your contributions go into your account before you pay taxes. That lowers your current income tax bill and can help you save more money.
Then, when you're ready to withdraw the money, usually during retirement, you'll pay taxes on both your contributions and any earnings you've accumulated, potentially at a lower tax rate. With the Roth account, you pay taxes before you contribute to your account. Your money can grow tax-free, and you can withdraw it tax-free in retirement. A Roth account may be a good choice for you if you're just starting out and are in a low tax bracket so your money will have lots of time to grow tax-free.
You're highly compensated now and don't mind paying taxes, so you can enjoy tax-free withdrawals when you retire. You expect to be in a higher tax bracket when you retire, or you want to leave tax-free money to your heirs. Either way, contributing to a retirement plan can help you enjoy a more comfortable retirement.
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Retirement savings vehicles

The decisions you make on how you receive your retirement funds will have varied long-term consequences that should be carefully considered.
 
IRAs, annuities, employer-sponsored retirement savings plans can help you prepare for a comfortable retirement.
 
Both traditional and Roth IRAs feature tax-advantaged growth of earnings.
 
An IRA can become the cornerstone of your personal retirement savings program, providing the foundation for your financial security.
  

Saving for retirement

You can potentially reduce your investment risk and increase your chances of meeting your investment goals by strategically allocating your investments among each of the major asset classes based on your unique financial goals, risk tolerance, and time horizon.
 
After years of working and contributing to a retirement plan, you’re finally ready to retire and start using the money you’ve worked so hard to save. Know what kinds of accounts have RMDs, when you can start taking them and how much you can take out each year. 
 
6 tips to help you create a strong retirement income strategy.
 
You know you need to save for retirement, but the question is “how much do you need to save?” Not sure where to start? These quick questions will help.
 
Learn how an important feature of your retirement plan can help you keep more money in your pocket and save for a more comfortable future at the same time.
 
When it comes to your retirement savings, you can either pay taxes now or you can pay taxes later. Learn about your options and how they work. 
 
On average, women work fewer years and earn less than men, and they also tend to live longer. Therefore, women must focus on the concerns that are unique to them when planning for retirement.

Information provided in these articles has been prepared from sources and data we believe to be accurate, but we make no representation as to its accuracy or completeness.

Equitable Financial Life Insurance Company (NY, NY). Securities are offered through Equitable Advisors, LLC, NY, NY 212-314-4600 (member FINRA / SIPC). Equitable Financial and Equitable Advisors are affiliated companies and do not provide legal or tax advice or services.

GE-5389027.1 (01/2023) (Exp. 01/2025)