現金（cash) 還是 現金流(cash flow)？
👩🏻💻 我來分享一個50歲的年金開戶案例，原有一個前公司的401K帳戶，適逢工作轉換，決定把前公司時期存的401K帳戶金額約30萬美元，轉到能夠提供終身永久收入的年金（annuity)帳戶，鎖定當前高利率的優勢。
因為是同性質的帳戶間的轉換，過程中不需要向政府繳稅。新的年金帳戶一轉入本金，就得到一筆現金值紅利，等到60歲，開始每年提領美金$38,625出來，持續領到人上天堂為止。一直到60歲才開始領的原因是年齡屆滿IRS的退休年齡59歲半。假若上天堂的時候, 現金值還有金額，就都傳承留給受益人。
這是一個把有限金額的401k退休基金變成終生收入現金流的規劃，活得越老領得越多，不怕錢用光光。 看出跟繼續持有401k帳戶的差別了嗎？🤓
Case or cash flow?
👩🏻💻 Let me share a case of opening an annuity account at the age of 50. There was a 401K account from the former employer, and upon a job transition, the decision was made to transfer the amount of approximately $300,000 USD from the former company's 401K account to a new annuity account that could provide lifelong income, taking advantage of the current high interest rates.
As it was a transfer between accounts of the same nature, there was no need to pay taxes to the government during the process. Once the principal was transferred into the new annuity account, a cash value bonus was obtained. Starting at the age of 60, $38,625 in USD is withdrawn annually, continuing until the end of life. The reason for starting withdrawals at the age of 60 is that it meets the IRS retirement age of 59 1/2. If there is still a cash value amount upon passing away, it will all be passed on to the beneficiary.
This is a plan to transform a limited amount of 401k retirement funds into lifelong income cash flow, receiving more as one grows older, without worrying about running out of money. Do you see the difference compared to continuing to hold a 401k account?" 🤓
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