{"id":16030,"date":"2020-11-13T17:51:36","date_gmt":"2020-11-13T17:51:36","guid":{"rendered":"https:\/\/fieldnation.com\/resources\/self-employed-investment-options\/"},"modified":"2025-02-03T04:23:57","modified_gmt":"2025-02-03T09:23:57","slug":"self-employed-investment-options","status":"publish","type":"post","link":"https:\/\/fieldnation.com\/resources\/self-employed-investment-options","title":{"rendered":"How to save for retirement if you&#8217;re self-employed"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Planning for retirement is complicated. All the different choices can seem like alphabet soup \u2014 whether you\u2019re considering an IRA, 401K, or HSA.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And, if you\u2019re one of the nearly <\/span><a href=\"https:\/\/www.forbes.com\/sites\/elainepofeldt\/2020\/05\/30\/survey-nearly-30-of-americans-are-self-employed\/?sh=e6571512d215\"><span style=\"font-weight: 400;\">30 percent of Americans that are self-employed<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">you don\u2019t have guidance on investment options through your employer. <\/span><span style=\"font-weight: 400;\">In this article, we\u2019ll help you unpack the various alternatives available for self-employed workers, as well as options for small business owners and operators.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a snapshot of some of the most popular retirement investment options.<\/span><\/p>\n<a name=\"traditional-ira\" class=\"fldn-table-of-contents-anchor\"><\/a><h2 id=\"traditional-ira\"><b>Traditional IRA\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A traditional IRA (individual retirement account) allows you to set aside a portion of your income for retirement on a pre-tax basis.<\/span><\/p>\n<h3><b>Who it\u2019s for:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Those just getting started with investing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">People saving less than $6,000 a year<\/span><\/li>\n<\/ul>\n<h3><b>How it works:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribute up to $6,000 (plus an additional $1,000 if you are over 50)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You may be able to deduct some or all of your contributions<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You pay <\/span><span style=\"font-weight: 400;\">ordinary income tax on withdrawals of your earnings and on any contributions you originally deducted on your taxes<\/span><\/li>\n<\/ul>\n<a name=\"roth-ira\" class=\"fldn-table-of-contents-anchor\"><\/a><h2 id=\"roth-ira\"><b>Roth IRA<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A Roth IRA allows you to set aside after-tax income up to a specified amount.\u00a0 Earnings and withdrawals are tax-free after age 59 \u00bd.<\/span><\/p>\n<h3><b>Who it\u2019s for:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Those just getting started with investing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">People saving less than $6,000 a year<\/span><\/li>\n<\/ul>\n<h3><b>How it works:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribute up to $6,000 (plus an additional $1,000 if you are over 50)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You can\u2019t deduct your contribution <\/span><span style=\"font-weight: 400;\">from your taxable income<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You don\u2019t pay taxes on withdrawals of your contributions<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You don\u2019t pay taxes on withdrawals of your earnings as long as you take them after you&#8217;ve reached age 59\u00bd and you&#8217;ve met the <\/span><a href=\"https:\/\/investor.vanguard.com\/ira\/roth-vs-traditional-ira#layer6\"><span style=\"font-weight: 400;\">5-year-holding-period<\/span><\/a><span style=\"font-weight: 400;\"> requirement<\/span><\/li>\n<\/ul>\n<h2><b>SIMPLE (Savings Incentive Match Plan for Employees) IRA<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You can invest net earnings in a SIMPLE IRA plan along with a matching contribution.<\/span><\/p>\n<h3><b>Who it\u2019s for:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Self-employed workers (or business owners and operators with up to 100 employees)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Workers that don\u2019t have additional IRA plans, such as a SEP IRA<\/span><\/li>\n<\/ul>\n<h3><b>How it works:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribute up to $13,500 a year (if you\u2019re 50 or older, you can contribute an additional $3,000)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribute up to an additional 3 percent matching contribution of your self-employment income<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Withdrawals will be included in your taxable income and may be subject to a 10 percent additional tax if you\u2019re under age 59 1\/2<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Withdrawals within two years of opening the account are subject to a 25 percent penalty<\/span><\/li>\n<\/ul>\n<h2><b>SEP (Simplified Employee Pension) IRA<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Like other traditional retirement accounts, SEP IRAs let you defer taxes on contributions and any investment growth in the account.\u00a0<\/span><\/p>\n<h3><b>Who it\u2019s for:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Self-employed workers and small business owners and operators<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Those that want to make a higher contribution than is possible with a Roth or SIMPLE IRA<\/span><\/li>\n<\/ul>\n<h3><b>How it works:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribute up to 25 percent of your net earnings per year \u2014 up to $57,000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You can fund your IRA after you pay your taxes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Withdrawals will be included in your taxable income and may be subject to a 10 percent additional tax if you\u2019re under age 59 1\/2<\/span><\/li>\n<\/ul>\n<a name=\"defined-benefit-plan\" class=\"fldn-table-of-contents-anchor\"><\/a><h2 id=\"defined-benefit-plan\"><b>Defined benefit plan<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A defined benefit plan is similar to a traditional pension plan with a stated annual benefit you will receive at retirement.<\/span><\/p>\n<h3><b>Who it\u2019s for:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Self-employed workers, or business owners and operators who have a high income and want to save on an ongoing basis<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Those who want a guaranteed stream of income in retirement<\/span><\/li>\n<\/ul>\n<h3><b>How it works:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribution is calculated based on the benefit you\u2019ll receive at retirement, your age, and expected returns<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You\u2019ll work with an actuary to determine your deduction limit<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Plans are expensive with high set-up and annual fees<\/span><\/li>\n<\/ul>\n<a name=\"solo-401k\" class=\"fldn-table-of-contents-anchor\"><\/a><h2 id=\"solo-401k\"><b>Solo 401K<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A Solo or Individual 401(k) plan offers self-employed workers and business owners many of the same benefits of a traditional 401(k).<\/span><\/p>\n<p><b>Who it\u2019s for:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A self-employed worker or a business owner with no employees (other than a spouse)<\/span><\/li>\n<\/ul>\n<p><b>How it works:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contribute up to $19,500 per year (plus an extra $6,500 if you\u2019re over 50)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">As an employer, you can also contribute up to 25 percent of your income up to a maximum of $58,000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your combined employee and employer contribution can\u2019t exceed $64,500<\/span><\/li>\n<\/ul>\n<a name=\"health-savings-account\" class=\"fldn-table-of-contents-anchor\"><\/a><h2 id=\"health-savings-account\"><b>Health savings account<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In addition to these investment options, <\/span><a href=\"\/insights\/self-employed-health-insurance\"><span style=\"font-weight: 400;\">health savings accounts<\/span><\/a><span style=\"font-weight: 400;\"> (HSAs) are another vehicle for saving for retirement. HSAs allow you to set aside money for qualified medical expenses, and offer many tax advantages:<\/span><\/p>\n<p><b>Who it\u2019s for:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Those with qualified high-deductible health insurance plans<\/span><\/li>\n<\/ul>\n<p><b>How it works:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; Any interest, dividends, or capital gains you earn are nontaxable<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; Withdrawals for qualified medical expenses are tax-free<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">&#8211; Unlike a 401(k) or IRA, you don\u2019t have to begin withdrawing funds at a certain age<\/span><\/p>\n<a name=\"working-with-a-financial-advisor\" class=\"fldn-table-of-contents-anchor\"><\/a><h2 id=\"working-with-a-financial-advisor\"><b>Working with a financial advisor<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Because there are so many possible ways to invest, having a professional advisor in your corner can make a big difference.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are many types of advisors available, depending on your needs and budget. Options include traditional financial advisors, online planning services, and even <\/span><a href=\"https:\/\/www.nerdwallet.com\/best\/investing\/robo-advisors\"><span style=\"font-weight: 400;\">robo advisors<\/span><\/a><span style=\"font-weight: 400;\"> that use computer algorithms to create and manage your portfolio for a small fee.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Just like traditional employees, self-employed workers and business owners have many ways to build a nest egg for retirement. The sooner you start saving, the better positioned you&#8217;ll be when you retire.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For more investment information, Investopedia is a great resource for <\/span><a href=\"https:\/\/www.investopedia.com\/financial-term-dictionary-4769738\"><span style=\"font-weight: 400;\">financial definitions<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.investopedia.com\/investing-essentials-4689754\"><span style=\"font-weight: 400;\">investing essentials<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><em><span style=\"font-weight: 400;\">This content is for informational purposes only; you should not construe any such information as legal, tax, investment, financial, or other advice. <\/span><span style=\"font-weight: 400;\">Field Nation has no affiliate partnership with any person or business mentioned in this post.<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get a quick overview of the most popular retirement investment options for self-employed workers and business owners.<\/p>\n","protected":false},"author":53,"featured_media":18833,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"xn-wppe-expiration":[],"xn-wppe-expiration-action":[],"xn-wppe-expiration-prefix":[],"footnotes":""},"content-group":[],"class_list":["post-16030","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","fldn_content_category-independent-contracting","fldn_content_type-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to save for retirement if you&#039;re self-employed | Field Nation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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