退休按揭
Anyone who has gone through the process of mapping out their retirement knows there can be a lot to keep in mind. 储蓄, 投资, 预估医疗费用, and making sure you have enough tucked away for years to come is just the start. One question many people overlook is: "Should I pay off my mortgage before I retire?答案比你想象的要复杂得多.
退休后维持抵押贷款
机会成本
Imagine you have $300,000 set aside to pay off your mortgage. But rather than using those funds to pay off your mortgage, you instead invest that money. Sure it's tempting to stop making a monthly payment, 但如果那300美元,000 earned a hypothetical 6% for the next five years. 你会有40多万美元. 是的, your house may appreciate in value over the same period of time, but you should consider all your choices for that lump-sum of money.1
根除(其他)债务
在你还清抵押贷款之前, any extra cash might be better suited to paying off other kinds of debt that carry higher interest rates, 尤其是不可抵扣的债务, 比如信用卡余额.2
让你的抵押贷款生效
Some homeowners benefit from a mortgage interest deduction on their taxes. Here's how it works: the amount you pay in mortgage interest is deducted from your gross income, 这会减少你的联邦所得税负担吗. 但请记住, the further along you are toward paying off your mortgage, 你支付的利息越少. If you're unsure if you'll be able to take advantage of this mortgage benefit, 最好咨询一下你的理财专家.3,4
收回按揭贷款
不要浪费你的钱
Your monthly mortgage payment may be a large part of your available capital, 尤其是在退休后. Eliminating unnecessary subsidies can significantly reduce the amount of cash you need to meet monthly expenses.
无趣的兴趣
Depending on the length of your mortgage term and the size of your debt, 你可能要支付一大笔利息.
Paying off your mortgage early can free up money for other uses."
真正的, 你可能会失去抵押利息税的减免, but remember as you get closer to paying off your loan: more of each monthly payment goes to principal and less to interest. In other words, the amount you can deduct from taxes decreases.5
家就是心之所在
你的家有金钱以外的价值. It's where you raised your children, made fond memories, and you may want it to remain in the family. Paying off the mortgage may help make your home part of your legacy. After all, some things you just can't put a price on.
1. This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. 投资s seeking to achieve a higher rate of return also involve higher risks. You should consider your risk tolerance before committing to any investment strategy.
2. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation.
3. Investopedia.2023年6月30日. The mortgage interest deductibility is limited to mortgages up to $750,000 ($375,000 if married filing separately) in principal value. This article is for informational purposes only, and is not a replacement for real-life advice. Please consult a tax, legal and accounting professional before modifying your tax strategy.
4. 国税局.政府,2023
5. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by love爱博体育app下载 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 love爱博体育app下载.
