20%的Gen Z向退休账户缴款;专家推荐Roth 401(k)和IRA选项。 20% of Gen Z contribute to retirement accounts; experts recommend Roth 401(k) and IRA options.

美国银行的一项调查显示,只有20%的Z世代人会为退休账户做出贡献. A Bank of America survey indicates that only 20% of Gen Z are contributing to retirement accounts. 金融专家建议为青年专业人员开设罗斯账户,因为他们允许在退休时缴纳税后缴款和免税提税。 Financial experts recommend Roth accounts for young professionals, as they allow post-tax contributions and tax-free withdrawals in retirement. 如果有的话,Roth 401(k)是有利的,特别是对于雇主匹配缴款而言。 If available, a Roth 401(k) is advantageous, especially for employer matching contributions. 或者,Roth IRA既是短期储蓄,也是长期储蓄,有捐款的具体收入限额。 Alternatively, a Roth IRA serves as both a short-term and long-term savings option, with specific income limits for contributions. 为作出知情决定,建议寻求财务咨询。 Seeking financial advice is advised for informed decisions.