养老金阴谋:你给退休存的钱可能太多了_BEC初级作文

养老金阴谋:你给退休存的钱可能太多了

There has long been a rule of thumb that says you should plan to replace 70% to 80% of your pre-retirement income (that is, your final annual salary before you retire) in retirement -- and that that number should be adjusted upward, with inflation, each year. In real life, data from the Survey of Consumer Finances shows, spending, and therefore the amount you'll need, isn't that linear.

长期以来，根据概测法，人们应该存下退休前收入（即退休前的最终年收入）的70%到80%作为养老金。而且，算上通货膨胀的话，这个比例还应该逐年上调。但美国消费者金融调查报告（Survey of Consumer Finances）的数据显示，人们的实际开销并不会因为通胀的影响而上涨。

People in their mid-40s to 50s spend the most. (As someone right in the middle of that range with one child in college and another starting in 18 months, I can totally see why that's the case.) From there, spending starts to decline as -- typically -- the kids leave the nest, you downsize, retire the mortgage (although that's getting less common), ditch the extra car, etc., etc., until medical needs drive expenses up again toward the end of life. Bottom line, the amount people need to replace varies from under 54% of pre-retirement income to over 87%.

通常，四十五至五十岁的人群开销最大。（这个年龄段的人通常要负担一个上大学的孩子，同时抚养一个一两岁的小家伙。）但之后，开支就逐渐减少了，尤其是等到孩子们都成年以后，父母们就会缩减开销，取消房贷抵押（尽管这种情况越来越少），处理掉多余的汽车。这种状态一直持续到晚年，直到医疗和交通方面的开销出现增长。根据年龄段的不同，人们退休后的年均最低花费在退休前收入中的占比从低于54%到超过87%不等。

【养老金阴谋:你给退休存的钱可能太多了】相关文章：

123 4 5 显示全文