这些都是可怕的逆风。然而就像奥运会帆船选手提醒我们的那样,我们并不是命中注定会被吹到后退。只要有正确的策略,现在我们都可以逆风前行。想一想下一步,不外乎下面三个类别。
Save smarter
更聪明地存钱
In today's low-yield environment, most of us must salt away more. Easy to say, hard to do. If your employer hasn't adopted the Save More Tomorrow program, urge it to do so; and if it won't, then follow the program on your own. Developed by UCLA business professor Schlomo Benartzi and behavioral economist Richard Thaler, it lets employees pre-commit to saving more every time they get a pay raise. It works -- participants save much more than nonparticipants.
今天的收益率这么低,在这样的大环境下,大多数人必须留出更多储蓄。说起来容易做起来难。如果你的雇主还没有采用Save More Tomorrow储蓄计划,敦促它赶快采用,如果它不愿意,你可以自行执行该计划。加州大学洛杉矶分校(UCLA)商学院教授施罗默•伯纳兹和行为经济学家理查德•塞勒制定了这个计划,让雇员预先承诺每次涨工资都留下更多储蓄。这个方案是可行的:参与者的储蓄比非参与者多得多。
In choosing your saving rate, face the new reality of inflation. Experts debate whether years of monetary loosening in the U.S. and other major economies will push up prices significantly, but ignoring the risk would be foolish. Suppose you'd like your portfolio to pay you $100, 000 a year (in constant dollars) for 30 years. With an after-tax return of 6% and inflation at 2%, a nest egg of $1.82 million will do the job. But if inflation turns out to be just one point higher than you assumed, at 3%, you'll need another quarter million dollars.
【三招轻松搞定退休大计】相关文章:
最新
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15