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Submitted URL: http://links.horsesmouth.mkt6441.com/els/v2/x4a6SA8GVWSg/QWJZem1zamxESmQvTWNHNmdOQjVET1MrMGhraXRJUFFvZi9VejNBZ0pISXFxUkwxTFk0K1kxV1ZF...
Effective URL: https://www.nasdaq.com/articles/2023-is-going-to-be-a-year-of-big-retirement-changes
Submission: On February 14 via api from US — Scanned from DE
Effective URL: https://www.nasdaq.com/articles/2023-is-going-to-be-a-year-of-big-retirement-changes
Submission: On February 14 via api from US — Scanned from DE
Form analysis 8 forms found in the DOM
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Retirement
2023 IS GOING TO BE A YEAR OF BIG RETIREMENT CHANGES
January 17, 2023 — 09:00 am EST
Written by John Rampton for Due.com ->
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The Secure 2.0 Act of 2022, a bipartisan retirement savings law, was signed into
law by President Biden on December 23, 2022. As part of Secure 2.0, workplace
savings plans will be expanded, retirement account contributions will be
rewarded, and retirement tax incentives will be reshaped.
As a result, retirement savings accounts will undergo numerous changes for years
to come as a result of the retirement savings law. For example, tax breaks are
available for 401(k), 403(b), Roth, IRA, and CAL accounts, among others.
Obviously, these changes could have a significant impact on your retirement
savings and personal finances.
Those who support the legislation believe that the changes in the Secure 2.0 Act
will boost retirement savings. Secure 2.0, however, has raised concerns that
some of its provisions primarily benefit the wealthy.
While Secure 2.0 isn’t scheduled to take effect until 2024 or beyond, retirement
finance isn’t standing still in 2023. Regardless, the future impact of changes
in tax rules, savings plans, Social Security benefits, and more will be felt in
the near future by older Americans.
What’s in store for you? But first, let’s take a closer look.
FLEXIBILITY IN RETIREMENT TIMELINES.
Those who participate in tax-deferred retirement accounts, including 401(k)s and
traditional IRAs, must begin receiving required minimum distributions (RMDs)
when they’re 72 years old. The reason? It is to recoup the government’s share of
gains made in the account while it was tax-free.
Initially, the Secure Act raised the retirement age from 70 ½ to 72. However, as
part of Secure 2.0, the age limit will be raised again to 73 on January 1, 2023,
and 75 on January 1, 2033.
Furthermore, Secure 2.0 would reduce from 50 percent to 25 percent penalty for
not taking RMDs, or 10 percent if the mistake is corrected promptly.
“Many Americans have saved heavily and, in some cases, exclusively in their
pretax retirement accounts,” Sam Eppy, CPFA®, a managing partner at Levanti
Wealth in Ft. Lauderdale, Florida, told MassMutual. “Many of those account
holders are doing what they can to strategically save those funds for when they
need them most. So allowing Americans more time to spread out their
distributions is useful for their retirement income planning.”
Moreover, the new law raises the limit on how much retirement savers can put
into qualified longevity annuities. You can purchase these types of annuities
using qualified retirement accounts, eliminating some of your RMD requirements.
You can use the funds as a guaranteed income later in life.
A QLAC can be funded with a maximum of $135,000 qualified retirement funds or 25
percent of the aggregate account balance. The maximum amount allowed in a QLAC
has been increased to $200,000 in Secure 2.0, eliminating the 25 percent cap.
ENROLLMENT WILL BE REQUIRED AUTOMATICALLY.
With some exceptions for small businesses, workers will be automatically
enrolled into newly created 401(k), and 403(b) plans in 2025. A person’s
automatic enrollment will begin between 3 and 10 percent of their pay scale.
Additionally, the savings rate will be increased by 1 percent each year until it
reaches 10 to 15 percent.
As a result of these requirements, retirement plan participation rates are
expected to rise, particularly among minorities.
AN INCREASE IN RETIREMENT PLAN CONTRIBUTIONS.
2023 will be the first year in which retirement savings vehicles (IRAs, 401(k)s,
etc.) get inflation-adjusted contribution limits.
A person over 50 can now put $7,500 into an IRA this year instead of $7,000 if
they are 50 or older. For people under 50, the limit has been raised to $6,500
from $6,000 last year, including the $1,000 catch-up contribution for older
savers.
There is a maximum contribution of $30,000 you can make to a workplace
retirement plan such as a 401(k), 403(b), or (for federal employees) a Thrift
Savings Plan this year. Compared to 2022, that’s an increase of $3,000 per year.
Also, younger adults have a new contribution limit of $22,500 instead of
$20,500.
THE CATCH-UP CONTRIBUTION LIMIT HAS BEEN RAISED.
Also, in the coming years, Secure 2.0 will include multiple provisions to
increase contribution limits. For example, there are currently certain limits on
what can be contributed to a retirement plan by someone age 50 or older.
Starting in 2025, Secure 2.0 raises these limits to the greater of $10,000 or 50
percent more than the regular catch-up amount for those who are 60, 61, 62, or
63. In addition, these amounts will be indexed for inflation after 2025.
Additionally, Secure 2.0 Act rules will change how eligible workers over
$145,000 make catch-up contributions in 2024. Inflation will also be adjusted
for the income threshold.
Specifically, IRA catch-up contributions will be indexed to inflation starting
in 2024, raising the $1,000 cap for the first time in over a decade. In
addition, a new, higher contribution cap will apply to people between 60 and 63
beginning in 2025, which will also link 401(k) catch-up limits to inflation.
A SAVINGS CREDIT TO A SAVINGS MATCH.
Starting in 2027, the Secure 2.0 Act will replace the nonrefundable Saver’s
Credit with a federal matching contribution deposited directly into your IRA or
retirement plans.
As part of the saver’s match, people can contribute up to $2,000 to their IRA or
retirement plan. It will, however, be subject to income limits and phase-outs.
INFLATION-ADJUSTED SOCIAL SECURITY PAYMENTS.
Social Security beneficiaries are receiving their most significant increase in
monthly benefits for more than 40 years because of inflation. COLA increases the
average monthly retirement benefit by $146, from $1,681 to $1,827, due to an 8.7
percent increase in the cost of living.
January 2023 is when the first retirement, disability, and survivor benefits go
out. However, SSI recipients got their first COLA-boosted payment on December
30. The SSI program is Social Security’s benefits program for those who are aged
65 or older, blind, or disabled.
In the third quarter of 2022, the COLA will be based on price changes for a set
of consumer goods and services. However, as inflation has cooled somewhat, it
has plummeted to 7.1 percent in November from a 40-year high of 9.1 percent in
June. Moreover, due to the fixed benefit increase through 2023, the new COLA
will provide a solid buffer against higher prices if that trend continues.
CHANGES TO MEDICARE.
There will now be reductions in Medicare Part B premiums and deductibles. In
other words, millions of retirees will be able to afford Medicare for the first
time in over a decade. For 2023, Medicare Part B will cost $164.90 per month, a
decrease of 3%, or $5.20 per month, from $170.10 per month in 2022.
A $226 annual deductible will be in effect in 2023 for Medicare Part B
beneficiaries, a reduction from the $233 deductible in 2022.
The Inflation Reduction Act guarantees that copays for insulin for 3.3 million
Medicare Part D beneficiaries with diabetes will be capped at $35 for a month’s
supply beginning in 2024.
What else is noteworthy in 2023?
There will be no copays or deductibles associated with vaccines covered under
Part D. As a result, vaccinations such as shingles will be less expensive.
Please note that several years will pass before most of the provisions of the
Inflation Reduction Act, including lower prescription drug prices and
out-of-pocket expenses for 59 million Medicare beneficiaries, take effect.
A 401(K) CAN BE USED FOR EMERGENCY SAVINGS.
Additionally, the 2023 bill seeks to make it easier for individuals to access
their 401(k) savings in an emergency.
For individuals under 59 ½, tapping into their retirement accounts as an
emergency fund comes with a 10 percent penalty. Moreover, money withdrawn from
accounts is also taxed as income, which makes it essentially double-penalized.
In the wake of the COVID-19 pandemic, employers became concerned because early
401(k) withdrawals were widespread despite heavy penalties. As a result, 401(k)
plans now include emergency savings accounts, allowing employers to enroll
employees automatically.
Also, rainy-day funds of up to $2,500 will be available for employees to save.
In addition, employees who use their emergency fund will not be penalized 10
percent if they have to use it.
Additionally, the bill allows penalty-free withdrawals for exceptional
circumstances, such as payment of long-term care insurance and withdrawals for
terminally ill or domestic abuse victims. Moreover, federal disaster victims can
withdraw up to $22,000 without penalty, plus three years to repay the money and
income taxes they owe.
From 2027 onwards, the government will contribute $1,000 each year to eligible
retirement accounts. This program encourages low- to moderate-income workers to
save for retirement. Currently, workers with an income tax liability are
eligible for this credit. However, they are also eligible if they have no income
tax obligation.
THE HSA HAS JUST IMPROVED, MAKING IT AN EVEN MORE VALUABLE RETIREMENT TOOL.
Individuals and families can contribute $200 more to their health savings
accounts (HSAs) starting this year.
Those with self-only coverage under a high-deductible health plan can contribute
$3,850 per year to an HSA, up from $3,650 in 2022. In addition, from $7,300 to
$7,750, the HSA contribution limit for family coverage has also increased.
Between 2021 and 2022, contribution limits increased by just 1.4% or roughly
5.5%.
There is an option for people who enroll in a high-deductible health care plan
(HDHP). If you have a qualified HDHP, you can also open an account as a
self-employed freelancer or business owner. These accounts are subject to annual
IRS parameters.
A high-deductible plan costs less per month than other types of plans. However,
the deductible is higher, which is the amount to pay before the insurance begins
to pay for your expenses. When you turn 65, you can use the money you don’t use
for non-qualified expenses.
DEDUCTIONS FOR STANDARD EXPENSES.
In most cases, taxpayers take the standard deduction instead of itemizing their
deductions. Those married couples who fall within that majority can take $25,900
off their taxable income in 2022, up from $25,100 in 2021. A $12,550 standard
deduction will be replaced by a $12,950 standard deduction for individuals.
In the 2021 tax year, the standard deduction was $1,700 for a single filer and
$2,700 for a couple filing jointly; in 2022, it increased to $1,750 and $2,800,
respectively.
THE FULL RETIREMENT AGE.
In 1983, Congress raised the Social Security full retirement age (FRA) from 65
to 67, but gradually. By mid-2023, the change will be complete, with FRA
reaching 66 years and six months.
Over the past few years, the Full Retirement Age (FRA) has increased by two
months at a time, allowing you to receive 100 percent of your retirement
benefit.
FRA is 66 years and four months for people born in 1956. By the end of April
this year, you will reach the milestone if you were born between September and
December 1956. Those born in 1957 can claim their full retirement benefit midway
through the year at 66 and 6 months. If you were born after 1960, you would
reach FRA at 67.
Depending on your age, you can start collecting retirement benefits before FRA ,
the minimum age of 62. But you will lose up to 30 percent of your monthly paid
benefits. Also, if you wait past FRA, you can enjoy an increase of 8 percent per
year until you turn 70.
FAQS
1. WHAT IS THE SECURE ACT 2.0?
As part of the SECURE Act 2.0, the Securing a Strong Retirement Act of 2022
expands on the SECURE Act passed in 2019. With this proposed legislation, people
can access more retirement funds and save more toward their retirement as they
prepare for retirement.
2. REGARDING RETIREMENT OR RETIREMENT PLANNING, WHAT ARE THE MOST IMPORTANT
THINGS TO REMEMBER?
* A change in the age at which required minimum distributions are required. For
example, it would gradually raise the retirement account withdrawal age from
72 to 75 for 401(k)s, 403(b)s, IRAs, etc.
* A catch-up provision that is enhanced. Under current law, participants aged
50 and older are entitled to a catch-up contribution of $6,500. For workers
62-64, this would be increased to $10,000. Moreover, all catch-up
contributions must be made as Roth contributions (after-tax). For individuals
50 and older, the catch-up amount for individual retirement accounts (IRAs)
is currently $1,000, but starting in 2023, the SECURE Act 2.0 indexes this
limit for inflation.
* Elective deferrals apply to student loans. The repayment of student loans may
prevent workers from contributing to retirement plans. This can result in
them missing out on valuable matching contributions from their employers.
* There is a tax credit for savers. Under the change, all employees under the
income cap would receive 50% tax credits up to $1,500 a year, removing the
phase-out limits.
* Long-forgotten pension benefits can be retrieved online. For example,
employees who change jobs often lose track of their retirement plans. People
can find their lost money by using this provision, which would establish a
national “lost-and-found” program.
3. WHAT ARE THE MOST RELEVANT THINGS EMPLOYERS NEED TO KNOW?
* Automatic enrollment. Automatic enrollment would be required for employees
eligible for 401(k)s and 403(b). Contributions would be capped at 10% and
start at 3%. Every year, the contribution percentage increases by 1%.
Different contribution percentages or opting out of the retirement plan are
available to employees.
* Tax credits for small businesses are being increased. Companies with fewer
than 100 employees can receive a 100% tax credit of up to $5,000/year for the
first three years for setting up a retirement plan.
* A safe harbor protects employee deferral failures. For example, employers may
face penalties when automatic enrollment and increases are not correctly
administered. Nevertheless, penalties may be waived if administrative errors
are corrected within 9 ½ months after the end of the plan year. This would be
effective as of the date of enactment.
* Roth contributions. SIMPLE IRA plans will now accept Roth contributions. The
previous law did not allow Roth contributions (after-tax) to 401(k) and
403(b) plans. SEP IRAs would enable employees to have some or all of their
contributions treated as after-tax (Roth) contributions.
* Part-time employees. Part-time workers are more prevalent than ever before in
the workforce. Employees with two consecutive years of service and 500 hours
of service can join an employer’s retirement plan under the new legislation.
4. HOW MIGHT THIS AFFECT WORKER PARTICIPATION AND PREVALENCE IN DEFINED EMPLOYER
CONTRIBUTION PLANS (401(K) AND 403(B)?
It will help employers support their employees’ retirement plans more
efficiently and cost-effectively.
Employers are incentivized to help workers plan for a secure retirement.
5. HOW DOES SECURE 2.0 AFFECT SOCIAL SECURITY?
Not much at all.
One downside of the Act? It doesn’t solve the Social Security Trust Fund crisis,
which runs out within ten years.
6. WHAT IS THE EFFECTIVE DATE OF THE SECURE 2.0 ACT?
According to the specific provision, that depends. Some take effect immediately,
and others begin in 2024 or later. For example, automatic retirement plan
enrollment starts in 2025, while the RMD age increases to 73 in 2023.
The post 2023 is Going to be a Year of Big Retirement Changes appeared first on
Due.
The views and opinions expressed herein are the views and opinions of the author
and do not necessarily reflect those of Nasdaq, Inc.
Tags
Retirement
Due.com
Due is a payments, eCash, online invoicing, time tracking, global payments and
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all sizes.
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