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How to catch up on retirement savings
Yahoo Finance· 2025-09-30 13:00
Core Insights - More than half of Americans aged 50 and older are concerned about insufficient retirement savings, with many wishing they had started saving earlier [1][2] Group 1: Strategies for Catching Up on Retirement Savings - Individuals aged 50 and older can make catch-up contributions to retirement accounts, allowing for increased contributions beyond standard limits, such as an additional $1,000 to IRAs and $7,500 to 401(k) plans [4] - Starting in 2025, the SECURE 2.0 Act will allow those aged 60 to 63 to contribute an additional $11,250 to workplace accounts, raising total contributions to $34,750 [4] - Maximizing returns on savings is crucial; high-yield savings accounts currently offer up to 4.5% APY compared to traditional accounts that yield only 0.01% [6][7] Group 2: Increasing Income and Reducing Debt - Increasing income can significantly boost retirement savings; options include asking for a raise, starting a side business, or seeking higher-paying job opportunities [8][9] - Eliminating high-interest debt is essential, as it frees up more funds for retirement savings; focusing on the highest-interest debts first is recommended [10] - Utilizing a budget to track income and expenses can help identify extra funds for retirement savings [11][12] Group 3: Automating Savings and Employer Contributions - Automating savings ensures that contributions to retirement accounts are prioritized; setting up automatic transfers can simplify this process [13] - Taking advantage of employer matching contributions can effectively double retirement savings; employees should aim to contribute enough to receive the full match [15][16] Group 4: Delaying Retirement - Delaying retirement can provide additional time to save and allow investments to grow; it also increases Social Security benefits if withdrawals are postponed [17] - It is emphasized that it is never too late to start saving for retirement, and individuals should act now to implement these strategies [19]
机器人顾问Wealthfront(WLTH.US)申请美股IPO 净利润锐减引关注
智通财经网· 2025-09-30 04:23
文件披露,Wealthfront投资者阵容包括老虎环球基金(发行前持股19.7%)、DAG Ventures(12.3%)和Index Ventures(11.5%),此次发行将由高盛集团和摩根大通牵头承销。 据其提交文件显示,截至 2025 年 7 月 31 日的六个月,公司营收 1.756 亿美元,净利润 6 070 万美元;上 年同期营收 1.459 亿美元,净利润 1.323 亿美元。期内净利润含 1 330 万美元所得税准备金,而 2024 年 同期享有 5 410 万美元税收优惠;经调整 EBITDA 仍同比增长 16%。截至 7 月 31 日,其平台资产规模达 882 亿美元。 公司此前已于今年6月秘密提交IPO申请,此次公开申报标志着其正式启动上市进程。 智通财经APP获悉,2025年9月29日,机器人咨询公司Wealthfront Corp.(WLTH.US)正式向美国证券交易 委员会提交IPO申请,拟登陆纳斯达克市场。 值得注意的是,瑞银集团曾在2022年以14亿美元尝试收购Wealthfront以拓展高净值客户,但同年终止交 易。 作为以自动化投资平台和高收益储蓄账户闻名的金融科技企业, ...
“智能投顾先驱”Wealthfront申请IPO,管理资产规模超880亿美元
Hua Er Jie Jian Wen· 2025-09-30 03:25
Core Insights - Wealthfront, a pioneer in the robo-advisory space, has officially filed for an IPO, joining the wave of fintech companies going public [1] - The company plans to list on NASDAQ under the ticker "WLTH," with Goldman Sachs and JPMorgan Chase leading the offering [1] - As of July 31, Wealthfront's platform assets reached $88.2 billion, indicating significant scale in asset management [1][3] Financial Performance - For the six months ending July 31, 2025, Wealthfront reported revenue of $175.6 million, a solid increase from $145.9 million in the same period of 2024 [2] - However, net profit declined sharply from $132.3 million to $60.7 million, primarily due to tax-related changes [2] - The company incurred a tax provision of $13.3 million in the first half of the year, compared to a tax benefit of $54.1 million in the previous year [2] - Adjusted EBITDA grew by 16% year-over-year, suggesting that core profitability remains on an upward trajectory [2] Business Model and Target Market - Wealthfront is known for its user-friendly automated investment products, targeting a younger demographic through its online platform [3] - The company utilizes algorithms to provide diversified portfolio management, lowering the barriers to traditional investment consulting [3] - In addition to investment services, Wealthfront offers high-yield savings accounts to enhance user engagement and diversify revenue streams [3] - The upcoming IPO will serve as a critical test of its business model, customer growth, and market potential [3] Industry Context - Wealthfront's IPO application coincides with a resurgence in fintech IPO activity, as the market stabilizes post-Trump administration tariff policies [4] - Other fintech companies, such as Klarna Group Plc and Chime Financial Inc., are also advancing their IPO plans, indicating a broader trend in the sector [4] - The addition of Wealthfront to the IPO landscape provides another opportunity to assess the long-term value of the fintech industry [4]
Here’s Why Putting Your Savings in the Market Could Backfire — and What To Do Instead
Yahoo Finance· 2025-09-25 13:18
You don’t need a financial expert to tell you that saving money is essential. From retirement to a rainy day, you need money stored up to get you through the hard times and the good times — and everything in between. But without clear guidance on how to save, many people still default to simply “letting it sit” without a strategy. Learn More: Here’s How Much of Your Paycheck You Should Save Each Month, According to an Expert Find Out: 3 Advanced Investing Moves Experts Use to Minimize Taxes and Help Boost ...
Best high-yield savings interest rates today, September 17, 2025 (Earn up to 4.30% APY)
Yahoo Finance· 2025-09-17 10:00
Here’s a look at how today’s high-yield savings account rates stack up. The Federal Reserve cut the federal funds rate three times in late 2024, which means deposit rates are now falling. It's more important than ever to ensure you're earning the highest rate possible on your savings, and a high-yield savings account could be the solution. These accounts pay more interest than the typical savings account — as much as 4% APY and higher. Not sure where to find the best savings interest rates today? Read on ...
6 Subtly Genius Ways You Can Grow Your Wealth by the End of the Year
Yahoo Finance· 2025-09-15 12:03
Wealth means more than just the figurative vault of gold coins; it’s a strategy of saving and investing that leads you to financial security. This might sound unreachable for many people, as for years we have been battling a rising cost of living, inflation and overall economic uncertainty. Up Next: Suze Orman’s Top Tip for Building Wealth Is a ‘Very Easy One’ For You: 5 Types of Cars Retirees Should Stay Away From Buying True wealth, often associated with celebrities, hedge fund managers or billionaires, ...
My dad, 75, only has $31K saved to retire and he’s freaking out — how do I help him save his retirement?
Yahoo Finance· 2025-09-15 11:43
Core Insights - The article discusses the financial considerations for individuals aged 75 and over, particularly focusing on retirement savings, Social Security benefits, and investment strategies to ensure financial stability in retirement [1][2][3][4][6][10]. Retirement Savings and Income - As of 2022, the typical American aged 75 and over had $130,000 in retirement savings, while those aged 65 to 74 had a median balance of $200,000 [6]. - The average retired worker collects about $1,980 per month, totaling approximately $23,760 annually in Social Security benefits [3]. - A scenario is presented where a father earning $70,000 annually and receiving $2,600 monthly from Social Security may still face a shortfall in covering annual expenses of $33,600 [14][15]. Employment and Financial Strategies - Nearly 19% of Americans aged 65 and over were still working as of 2024, which can help mitigate the impact of insufficient savings [3]. - The article suggests that individuals can enhance their savings by working longer and considering strategic financial moves, such as rolling over traditional IRAs into Roth IRAs to avoid required minimum distributions [6][15]. Investment Options - Investing in market-resistant assets like gold is recommended for those nearing retirement to protect against market volatility [7]. - The article highlights the option of opening a gold IRA account, which allows for penalty-free rollovers from existing retirement accounts [8]. Financial Planning and Advisory Services - Consulting a financial advisor is emphasized as a crucial step for individuals to develop a clear retirement plan and improve their financial situation [15][16][17]. - Advisor.com is mentioned as a resource for finding vetted financial advisors who are legally required to act in the best interest of clients [16][17].
5 Passive Income Streams for Retirees To Build Wealth
Yahoo Finance· 2025-09-13 22:03
Core Insights - Retirement can be costly, prompting the need for short-term passive income strategies to meet financial goals [1] - There are various passive income streams available for retirees to generate extra cash [2] Passive Income Ideas - Opening a high-yield savings account is a straightforward method to earn passive income with minimal effort, allowing for interest earnings [3] - Research is essential as different banks offer varying account features, including minimums and fees [4] - Renting out tools can provide additional income without the need for real estate investments, utilizing platforms like Rent My Equipment [5][6] - Renting out personal vehicles on platforms such as Turo or Getaround can also generate significant passive income, with the average annual income from one car being $10,868 [7][8]
Best high-yield savings interest rates today, September 10, 2025 (Earn up to 4.30% APY)
Yahoo Finance· 2025-09-10 10:00
Core Insights - The Federal Reserve has cut the federal funds rate three times in late 2024, leading to a decline in deposit rates, making it crucial for consumers to seek high-yield savings accounts to maximize their interest earnings [1][5] - High-yield savings accounts offer significantly higher interest rates compared to traditional savings accounts, with rates reaching up to 4% APY or more [2][3] Group 1: Current Savings Rates - The average savings account rate is currently at 0.39%, while the best high-yield savings rates are around 4% to 4.5% APY, with Vio Bank offering the highest rate at 4.31% APY as of September 10, 2025 [3] - Deposit account rates are directly influenced by the federal funds rate; when the Fed lowers its target rate, deposit rates typically decrease [4] Group 2: Future Rate Expectations - Experts predict that the Federal Reserve will cut its target rate two more times in 2025, which is expected to further decrease savings account rates [5] Group 3: Considerations for Savings Accounts - High-yield savings accounts are suitable for short-term savings goals, providing a secure place to earn interest while maintaining accessibility to funds [6] - While high-yield savings accounts offer attractive rates, they may not match the long-term growth potential of stock market investments, making them less ideal for long-term savings goals like retirement [6] - Savings accounts are generally insured by the FDIC, providing a low-risk option for consumers [7]
美国人会怎样理财?
财富FORTUNE· 2025-06-30 13:41
Core Viewpoint - The article emphasizes the importance of managing funds between checking and savings accounts to maximize financial stability and returns, suggesting specific amounts to hold in each type of account based on individual financial situations [14]. Group 1: Checking Accounts - Checking accounts are designed for frequent access to funds, typically used for paying monthly bills such as rent, loans, and credit card payments [2]. - Most checking accounts allow easy access to funds through debit card purchases, ATM withdrawals, or electronic transfers [3]. - Checking accounts generally offer low or no interest rates, with the average interest rate in the U.S. being 0.07% APY, making them unsuitable for long-term savings [4]. - It is advisable to keep only a small buffer in checking accounts, typically enough to cover one to two months of expenses, to avoid overdraft fees and account management fees [5]. Group 2: Savings Accounts - It is recommended to keep three to six months' worth of living expenses in a savings account as an emergency fund [6]. - High-yield savings accounts or money market accounts currently offer interest rates around 4% to 5%, significantly higher than traditional savings accounts [7]. - Opening a high-yield savings account can help maximize savings, as some accounts offer rates over 4%, which is more than ten times the national average [9]. - Establishing an emergency fund is crucial, with experts suggesting that individuals with dependents should aim for six to twelve months of expenses [13]. Group 3: Financial Planning - A balanced financial plan should include a reasonable amount in checking accounts for immediate expenses and additional savings in high-yield accounts for future needs [14]. - It is wise to compare different banks to find accounts with high interest rates and low fees, and to consider multiple savings accounts for different financial goals [14].