退休的现实
期望与. 现实
Predicting exactly what your retirement will be like is about as possible as a meteorologist predicting the weather correctly every single time. In fact, few retirees find their financial futures playing out precisely as they assumed. 但, understanding some of the more common assumptions about retirement may help you get closer to your goal than most.
退休人员真的比他们的钱“长寿”吗?
代之前, 当人们退休时, 许多人生活在可怕的困境中, 有时“直到最后一毛钱”,这导致了社会保障制度的建立. Today, Social Security is still around and a common supplement to one’s retirement strategy. 真正的, health crises can sometimes impoverish retirees, but working with a financial professional may even help you prepare for this hard-to-anticipate cost.
Retiring on 70-80% of your end salary may not be feasible
A quick internet search reveals all sorts of sources instructing new retirees should strive to retire on 70-80% of their end salary, 但这可能很难实现.
大多数刚退休的人都想去旅行, 探索新的追求, 培养一些爱好, and finally get around to those things they had put off when they were too busy with work. So, in the first few years, some may spend roughly as much as they did before retirement.
For many retirees, median household spending increases on the way to a retirement transition. 但, 有一个聪明的财务策略, the annual median household spending in retirement tends to decline after age 65.1
即使退休了，熟能生巧
平均, households headed by those older than 65 spend 28% less annually than younger households (a difference of more than $15,000). While healthcare spending increases in retirement, 其他家庭成本下降, particularly transportation and housing expenses.1
退休可能比预期来得早
Most people retire closer to age 60 than age 70. Believe it or not, the average retirement age for current workers is 66. That means you could find yourself claiming Social Security earlier than you expected if only to avert drawing down your retirement savings too quickly.2
过着你想要的生活
In general, American retirees seem to have it pretty good. A recent survey found that 7 in 10 retirees are confident they will have enough money saved to live comfortably throughout retirement.3
退休时保持弹性
Your retirement may differ slightly or even greatly from the retirement you have imagined. 幸运的是, it may be possible to create a flexible retirement strategy with the help of a financial professional. 开始永远不会太晚!
1. 美国劳工统计局.政府,2023
2. NerdWallet.2023年7月18日
3. EBRI.org, 2023
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