close
Employee Benefit研究機構發佈了一個發人深省的統計數字，讓大家思考面對未來：所有戰後嬰兒潮目前已達退休年齡，其中有44％可能在退休中花光積蓄，缺錢而無法再活下去。事實上，安聯人壽剛完成了一項研究，發現61％的受訪者，害怕活得久，資產用磬，比面對死亡更害怕。
有許多因素會影響到這個結果（其中包括喪失配偶，通脹造成購買力下降，稅收），而有一個因素更加快惡化此一現象的是「長壽」。你可知道：
★ 一個健康的65歲男性，活到85歲的機率為50％。
★ 一個健康的65歲女性，活到88歲的機率為50％。
★ 健康的夫婦，都是65歲，有一個配偶有50％的機率活到92歲。
★ 有25％的機率，一個配偶會活到97歲。
如果您是在60歲退休，那麼將要過40年沒有薪水的日子。
您能想像，如何在沒工作收入的狀況下，活40年嗎？如果您認為這似乎是不可能的任務。那您要小心了，因為那個人很可能就是您！
退休規劃一典通：http://blog.yam.com/ckwm1/article/15510939
How to go 40 years without a paycheck
Here's a sobering statistic from the Employee Benefit Research Institute to consider: 44% of all early boomer households are likely to run short of money in retirement. In fact, Allianz Life completed a study which found that 61% of respondents were more scared of outliving their assets than they were of dying.
There are a number of factors that contribute to this (including loss of a spouse, inflation/declining purchase power, taxation), but one factor that seems to be accelerating is longevity. Did you know:
★ A healthy 65-year-old male has a 50% chance of living to the age of 85
★ A healthy 65-year-old female has a 50% chance of reaching age 88
★ A healthy couple, both 65, has a 50% probability of one spouse seeing age 92
★ There is a 25% probability that one spouse will see age 97
If you retire in your 60s, that's 40 years without a paycheck.
The baby boomer generation is facing a far different retirement landscape than many of their predecessors did. In the good ol' days, 40 years of service guaranteed a defined benefits plan, plus Social Security. A retiree's savings served as a safety net.
Today, with the widespread loss of pensions and employer-sponsored retirement plans, it has become far more challenging to ensure a lifetime of financial security. People are relying on Social Security and their savings — and living longer, as well.
Start with a plan
A secure retirement doesn't just happen — it’s the product of careful planning, strategic decisions and a disciplined approach. If you wanted to build your dream home, how would you go about it? Generally speaking, you would start with a vision of what you wanted. From there, you would create a blueprint to work from, a master plan that takes all angles into account. It would be detailed, specific, measured, and carefully considered. Retirement planning is a lot like building a fiscal house. It's a blueprint that ensures your future comfort, stability, and independence. And just like a physical structure, a carefully-constructed fiscal house is built to shelter you for those last 40 years — but only if you start with a solid foundation.
Mapping and building your fiscal foundation
The investment industry tends to direct a lot of attention to packaged products as the go-to solution for simple retirement planning, but people who rely too heavily on them can wind up with serious cracks in their fiscal foundation. Comprehensive retirement planning takes into account a kaleidoscope of risk factors and strategies, investment vehicles and opportunities, and designs a blueprint that maximizes, protects and uses every possible dollar. Most comprehensive retirement planning includes discussions about:
1、Social Security — A staggering percentage of all retiring families take it as soon as they can. Unless it's unavoidable, this is a mistake. Simply put, it weakens your fiscal foundation. By maximizing Social Security and using advanced strategies. Delaying the start of your Social Security benefits or by coordinating spousal benefits using file-and-suspend or restricted applications (link to other social security strategy blogs) can add years to your retirement income.
2、Pension Strategies — For many, it makes sense to the straight pension option (income of the retiring worker) and use life insurance to provide for a surviving spouse. For others, it's better to take a joint payout to last lifetime of two people.
3、Annuities — You can create your own personal pension by investing in immediate or deferred annuities, which are widely available with guaranteed income benefits. These can reduce stress on investment portfolios and provide protection against the financial impact of longevity. (Because you don't want a bank account that expires before you do!)
Your transition into retirement can be confusing and complicated. Forty years without a paycheck can seem daunting and many of your decisions are essential, yet irreversible.
With the guidance of a retirement planning specialist, you can lay a solid fiscal foundation and assemble a framework of decisions that will eventually shelter you well into the future.
http://www.marketwatch.com/story/how-to-go-40-years-without-a-paycheck-2014-07-07
有許多因素會影響到這個結果（其中包括喪失配偶，通脹造成購買力下降，稅收），而有一個因素更加快惡化此一現象的是「長壽」。你可知道：
★ 一個健康的65歲男性，活到85歲的機率為50％。
★ 一個健康的65歲女性，活到88歲的機率為50％。
★ 健康的夫婦，都是65歲，有一個配偶有50％的機率活到92歲。
★ 有25％的機率，一個配偶會活到97歲。
如果您是在60歲退休，那麼將要過40年沒有薪水的日子。
您能想像，如何在沒工作收入的狀況下，活40年嗎？如果您認為這似乎是不可能的任務。那您要小心了，因為那個人很可能就是您！
退休規劃一典通：http://blog.yam.com/ckwm1/article/15510939
How to go 40 years without a paycheck
Here's a sobering statistic from the Employee Benefit Research Institute to consider: 44% of all early boomer households are likely to run short of money in retirement. In fact, Allianz Life completed a study which found that 61% of respondents were more scared of outliving their assets than they were of dying.
There are a number of factors that contribute to this (including loss of a spouse, inflation/declining purchase power, taxation), but one factor that seems to be accelerating is longevity. Did you know:
★ A healthy 65-year-old male has a 50% chance of living to the age of 85
★ A healthy 65-year-old female has a 50% chance of reaching age 88
★ A healthy couple, both 65, has a 50% probability of one spouse seeing age 92
★ There is a 25% probability that one spouse will see age 97
If you retire in your 60s, that's 40 years without a paycheck.
The baby boomer generation is facing a far different retirement landscape than many of their predecessors did. In the good ol' days, 40 years of service guaranteed a defined benefits plan, plus Social Security. A retiree's savings served as a safety net.
Today, with the widespread loss of pensions and employer-sponsored retirement plans, it has become far more challenging to ensure a lifetime of financial security. People are relying on Social Security and their savings — and living longer, as well.
Start with a plan
A secure retirement doesn't just happen — it’s the product of careful planning, strategic decisions and a disciplined approach. If you wanted to build your dream home, how would you go about it? Generally speaking, you would start with a vision of what you wanted. From there, you would create a blueprint to work from, a master plan that takes all angles into account. It would be detailed, specific, measured, and carefully considered. Retirement planning is a lot like building a fiscal house. It's a blueprint that ensures your future comfort, stability, and independence. And just like a physical structure, a carefully-constructed fiscal house is built to shelter you for those last 40 years — but only if you start with a solid foundation.
Mapping and building your fiscal foundation
The investment industry tends to direct a lot of attention to packaged products as the go-to solution for simple retirement planning, but people who rely too heavily on them can wind up with serious cracks in their fiscal foundation. Comprehensive retirement planning takes into account a kaleidoscope of risk factors and strategies, investment vehicles and opportunities, and designs a blueprint that maximizes, protects and uses every possible dollar. Most comprehensive retirement planning includes discussions about:
1、Social Security — A staggering percentage of all retiring families take it as soon as they can. Unless it's unavoidable, this is a mistake. Simply put, it weakens your fiscal foundation. By maximizing Social Security and using advanced strategies. Delaying the start of your Social Security benefits or by coordinating spousal benefits using file-and-suspend or restricted applications (link to other social security strategy blogs) can add years to your retirement income.
2、Pension Strategies — For many, it makes sense to the straight pension option (income of the retiring worker) and use life insurance to provide for a surviving spouse. For others, it's better to take a joint payout to last lifetime of two people.
3、Annuities — You can create your own personal pension by investing in immediate or deferred annuities, which are widely available with guaranteed income benefits. These can reduce stress on investment portfolios and provide protection against the financial impact of longevity. (Because you don't want a bank account that expires before you do!)
Your transition into retirement can be confusing and complicated. Forty years without a paycheck can seem daunting and many of your decisions are essential, yet irreversible.
With the guidance of a retirement planning specialist, you can lay a solid fiscal foundation and assemble a framework of decisions that will eventually shelter you well into the future.
http://www.marketwatch.com/story/how-to-go-40-years-without-a-paycheck-2014-07-07
全站熱搜
留言列表
