{"id":11019,"date":"2021-03-16T11:18:13","date_gmt":"2021-03-16T15:18:13","guid":{"rendered":"https:\/\/tolic.com\/tools-for-a-planned-retirement\/"},"modified":"2023-05-05T14:53:45","modified_gmt":"2023-05-05T18:53:45","slug":"tools-for-a-planned-retirement","status":"publish","type":"post","link":"https:\/\/tolic.com\/en\/tools-for-a-planned-retirement\/","title":{"rendered":"Tools for a planned retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11019\" class=\"elementor elementor-11019 elementor-3085\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67431c9f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67431c9f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c9711cb\" data-id=\"7c9711cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10f5cc5c elementor-widget elementor-widget-text-editor\" data-id=\"10f5cc5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">In 2019, <\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/www.cnbc.com\/2019\/09\/04\/the-age-when-americans-start-saving-for-retirement.html\"><span style=\"font-family: 'Arial',sans-serif\">CNBC<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\"> reported that close to 25 % of Americans start saving in their 30s, 15 % in their 40s, and 6 % in their 50s. But when do you have to start saving for retirement? The answer is simple: as soon as possible. Ideally, start saving in your 20s.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Financial stability in retirement does not happen suddenly. It\u2019s the result of good planning, determination, and commitment. And while it\u2019s ideal to start early, it\u2019s never too late to start.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Do you have the tools to get started?<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">The key to enjoying your retirement to the fullest is planned savings. But how do you achieve it?<\/span><\/p>\n<p class=\"MsoNormal\" style=\"line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Tools for a planned retirement<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Here are several tools to achieve a planned retirement.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">1.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">    <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Save regularly<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">You should set aside a portion of your income for your retirement savings. Start by identifying a specific percentage entirely earmarked for retirement savings. You can consider 10 %. 15 %, or 20 % of your monthly income. Also, you can start with a small amount and then increase it according to your circumstances. The important thing is to automate saving for your retirement.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">2.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">    <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Identify needs and budgets<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">To properly calculate how much you should save for retirement, start by visualizing your retired life: what activities you would like to practice and what you would like to learn. Also, identify expenses such as: treatments, follow-up medications, visits to specialist doctors, etc. Think about how you would like to live during those 20 or 30 years. <\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Some questions that can help you visualize your future objectively are:<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">At what age do you plan to retire?<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Will your spouse retire at the same time?<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">         <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Do you plan to move out of the country or of your current home when you are retired? Will it be a cheaper place or a more expensive one?<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Do you want to travel or practice a potentially expensive hobby?<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Will you have extensive health insurance coverage?<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Will you have any additional income, such as a rental home or an established business?<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Ideally, you should have up to 80 % of your annual income when you retire.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">3.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">    <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Consider a 401(k) plan with your employer<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">A 401(k) savings plan gives you the opportunity to prepare for your retirement. Some companies offer this opportunity to their employees. It consists of automatically designating a specific percentage of the employee\u2019s salary to a 401(k) account, while the company makes an additional contribution in proportion to the determined amount.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">For example, if you as an employee decide to contribute 5 % of your monthly salary to the retirement plan, your employer could contribute an equivalent of 2 % or 3 %. The percentage varies by company and other characteristics, but the purpose remains: saving for your retirement.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">4.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">    <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Benefit from an IRA<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">An individual retirement account (<\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">IRA<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">) is a savings and investment tool, with great advantages. It\u2019s easily obtained, helps you save on taxes and automates contributions for your future. Set up a retirement savings fund. Contributions are deducted from your income. In addition, your profits in the IRA do not pay taxes until the money is withdrawn.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">5.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">    <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Save your retirement savings for your retirement<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Sometimes, unforeseen situations arise that bind us financially, but the money saved for your retirement should remain intact. It\u2019s important to set your goals and limits, and commit to your future.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">6.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">    <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">TOLIC gives you more for your IRA<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">At TOLIC, we give you more for your IRA. We offer you the opportunity to ensure peace of mind for your retirement with 2 <\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">IRA<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\"> and 2<\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Annuity<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">plans:<\/span><\/p>\n<p class=\"MsoListParagraphCxSpFirst\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Fixed IRA<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">: Your investment grows with a guaranteed interest.<\/span><\/p>\n<p class=\"MsoListParagraphCxSpMiddle\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Indexed IRA<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">: Potential to increase your profit based on index growth and with market downturn protection.<\/span><\/p>\n<p class=\"MsoListParagraphCxSpMiddle\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Fixed Annuity<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">: For more return on your money.<\/span><\/p>\n<p class=\"MsoListParagraphCxSpLast\" style=\"margin-left: .75in;text-indent: -.25in;line-height: normal\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Indexed Annuity<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">: For further growth of your retirement savings.<\/span><\/p>\n<p><span lang=\"ES-TRAD\" style=\"font-size: 11.0pt;line-height: 107%;font-family: 'Arial',sans-serif\">For more information, visit our website <\/span><span lang=\"ES-TRAD\" style=\"font-size: 11.0pt;line-height: 107%;font-family: 'Calibri',sans-serif\"><a href=\"https:\/\/tolic.com\/en\/\"><span style=\"font-family: 'Arial',sans-serif\">www.tolic.com<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-size: 11.0pt;line-height: 107%;font-family: 'Arial',sans-serif\"> or email us to contact one of our representatives (<\/span><span lang=\"ES-TRAD\" style=\"font-size: 11.0pt;line-height: 107%;font-family: 'Calibri',sans-serif\"><a href=\"&#x6d;&#97;&#105;&#x6c;&#x74;&#111;&#58;&#x73;&#x65;&#114;&#118;&#x69;&#x63;&#105;&#111;&#x61;&#x6c;&#99;&#108;&#x69;&#x65;&#110;&#116;&#x65;&#x40;&#116;&#111;&#x6c;&#x69;&#99;&#46;&#x63;&#x6f;&#109;\"><span style=\"font-family: 'Arial',sans-serif\">&#x63;&#117;s&#x74;&#x6f;&#109;e&#x72;&#x73;&#101;r&#x76;&#105;c&#x65;&#x40;&#116;o&#x6c;&#x69;&#99;&#46;&#x63;&#111;&#109;).<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-size: 11.0pt;line-height: 107%;font-family: 'Arial',sans-serif\">). And find out why, at TOLIC, we Give You More for your IRA.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In 2019, CNBC reported that close to 25 % of Americans start saving in their 30s, 15 % in their 40s, and 6 % in their 50s. But when do you have to start saving for retirement? The answer is simple: as soon as possible. Ideally, start saving in your 20s. Financial stability in retirement [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4869,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[192],"tags":[203,206,204,211,247],"class_list":["post-11019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life","tag-finanzas-en","tag-ira-en","tag-plan-de-ahorros-en","tag-planificacion-en","tag-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tools for a planned retirement TOLIC<\/title>\n<meta name=\"description\" content=\"A retirement plan is the key to enjoying the retirement years. 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