退休

60岁时的退休考虑

Welcome to your 60s – the time in your life when retirement is less a far-off dream and more an immediate reality. 即时性是一个完全由你决定的决定. According to the Employee Benefit Research Institute (EBRI), in 2021 39% of all workers expect to retire at age 66 or older. 当你60多岁的时候 决定你的退休决定? 什么是战略性退休计划? 这里有四件事需要考虑.

多大才适合我的生活?

退休意味着靠固定的收入生活. 学会用这些方式生活是很重要的. Consider down-sizing to a smaller home to reduce expenses and maintenance costs. Drive your current vehicle longer than you ordinarily would and resist the temptation to sink large sums of cash into a luxury vehicle. 找到每天存钱的方法, 比如少出去吃饭,可以将你的储蓄延长许多年. The right size life also applies to the community you call home. Many in their 60s include relocating in their retirement plans. Moving from an expensive metropolitan city to a smaller community can help reduce housing and cost of living expenses.

我应该存多少钱?

根据EBRI的2021年退休信心调查, only 50% of workers aged 55+ have tried to calculate how much money they’ll need to save for retirement. If you don’t know where you’re going, it’s awfully difficult to chart a course to get there. The simple act of planning increases your success in reaching your retirement savings target. Most experts agree that you’ll need approximately 70-80% of your pre-retirement income to enjoy the same lifestyle throughout retirement as you do now. This figure – your replacement ratio – is comprised of your household income, 投资收益和金融资产. Social Security will generally comprise 40% of your replacement ratio; now’s the time to finalize how you’ll come up with the rest.

我应该什么时候领取社会保险福利?

获得社会保险资格的年龄是62岁, although you’ll need to reach your full retirement age to qualify for your complete benefit. 提前领取福利应该是一个经过深思熟虑的选择. 假设退休年龄是67岁,只有1美元,每月000受益, drawing at age 62 (prior to full retirement age) reduces your monthly benefit by 30% to only $700. 500美元的配偶福利将减少35%至325美元. 那些预期寿命短的人, 或者几乎没有退休储蓄, 可以决定提早抽签吗. In general, the longer you can wait to draw benefits, the greater your monthly benefit will be.

我应该工作?

Working for pay in retirement is an idea that has grown in popularity in recent years. According to EBRI’s recent study, 72% of current workers plan to work for pay in retirement. 这样做的原因各不相同. 许多人(88%)这样做是为了保持活跃和参与. Others (78%) enjoy working or a had a job opportunity come along (51%). 然而,经济方面的担忧也发挥了作用. 有些人想要额外的钱(68%). Others want to avoid reducing their savings (60%) or need funds to make ends meet (39%). 当然, working beyond your full retirement age allows you to increase your income and your level of retirement savings. Working in a part time role or in a new industry can allow you to delay the first instance where you’ll dip into your retirement savings.

As you enter your 60s, your financial situation will be top of mind as you prepare for retirement. 然而, it’s just as important to plan for how retirement will impact your health, your emotional well-being and your relationships with those around you. When you invest as much time in qualitative planning as the quantitative type, 你在为退休后的成功做准备.

 

 

由卫报网络带给你©2019,2021. 美国监护人人寿保险公司®,纽约,纽约

2021 - 126211年的经验. 9/23

来源:

员工福利研究院, 2021年RCS资料表#2:对退休的预期.

员工福利研究院, 2021 RCS Fact Sheet #3: Preparing for 退休 in America.

社会保障局: http://www.ssa.gov /酒吧/ en - 05 - 10024.pdf

社会保障局: http://www.社会保障.gov / retire2 / agereduction.htm

家庭与工作协会 & Sloan Center on Aging and Work; “21题st 世纪的现象

免责声明:

Material discussed is meant for general informational purposes only and is not to be construed as tax, 法律, 或投资建议. 因此, the information should be relied upon only when coordinated with individual professional advice. Guardian, its subsidiaries, agents, and employees do not provide tax, 法律, or accounting advice. Consult your tax, 法律, or accounting professional regarding your individual situation.

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