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Retirement savings account that you may need

We are all well aware of the fact that we should save more for our post retirement life. We should never take the risk of not investing at the right time and leading a post-retirement life of debts. Hence, you should plan at the earliest. One should look for where to have a safe savings account, which retirement plans are high-yielding, etc. Below, you will find several types of retirement savings account that you can consider.

401(k) or 403(b) offered by your employer
Like most other people, you may also find this place to be the easiest and best for retirement investment planning. Here, the money will be withheld through payroll deduction. Up to $18,000 can be saved up of your pre-tax income. If you are 50 years or above, you can save up to $24,000. If you leave your job you can roll your account over into a new employer’s 401(k). This 401(k) is normally offered by a for-profit company, but the teachers and other employees are offered 403(b).

Solo 401(k)
A solo proprietor can set up a solo 401(k). In this case, he or she can make a contribution both as an employee and an employer. Contribution can make up to a total of $53,000 or $59,000 for the people of above 50 years of age.

Simple IRA
This is for small employers, usually less than 100 people, to set up IRAs with fewer paper works. The employers in this category must match the employee contribution, or make unmatched contributions. Here an employee can contribute up to $12,500 or $3,000 extra for those of above the age of 50.

SEP IRA
The SEP stands for simplified employee pension. The self-employed or self-business owners primarily used this type of accounts. If you are an employee, you can pay up to 25% of your income or $53,000, whichever is lesser. These are easier to set up than solo 401(k) . If the business has employees, then the employer has to meet certain contributions for each of them, who have met certain requirements for the business.

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