Suite de Planificación de Jubilación
Key Financial Terms
Understand the essential concepts behind this calculator
403(b) Plan
A 403(b) plan is a retirement savings option for eligible employees of public schools and tax-exempt organizations, offering tax benefits.
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AUM Fee (Assets Under Management Fee)
AUM fees are charges based on the total assets managed, impacting investment returns.
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Active Income
Active income is earnings from work, crucial for meeting immediate expenses and building wealth.
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Advance Directive
A legal document outlining your healthcare preferences, ensuring your wishes are honored when you can't voice them.
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Preguntas Frecuentes
Preguntas comunes sobre Suite de Planificación de Jubilación
Una puntuación de 80+ generalmente indica una fuerte preparación basada en la trayectoria de ahorros, fuentes de ingresos y tasas de éxito de Monte Carlo. Las puntuaciones de 60-79 sugieren brechas moderadas para cerrar a través de mayores ahorros, jubilación más tardía o ajustes de gastos.
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Sources & References
The 4% Rule and Safe Withdrawal Rates
Landmark research establishing the 4% safe withdrawal rate guideline for retirement portfolios, with analysis of success rates across different time periods.
Retirement Healthcare Cost Projections
Fidelity's annual estimate of healthcare costs in retirement, helping retirees plan for one of their largest expense categories.
Integrated Retirement Income Planning
Comprehensive framework for retirement planning covering accumulation, withdrawal strategies, tax planning, Social Security optimization, and longevity risk.