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## 谈谈50岁时退休账户上的储蓄 对“需要多少钱才能退休”命题的看法

(2021-01-26 13:10:49) 下一个

1. 根据Fidelity Retirement Balances的数据显示，在50岁时的平均退休储蓄是下面这样的：

Average Retirement Savings at 50:

Savers Only

1）\$535,000

2）\$84,750

3）\$32,250

4）\$25,000

5）\$15,000

Total: \$692,000

Average: \$138,400

Median: \$32,250

2. 理论上应该在50岁时退休账户上的储蓄：

For example, if 50-year-old Jane, who earns \$70,000 a year, wants to see how her savings measure up to the best savers in her age group, she would just multiply her current salary by 4.2 and compare that with her current savings. Thus, to keep up with the "best savers and investors" in her peer salary group, she would need to have saved \$294,000 (\$70,000 x 4.2) so far.

3. 我个人认为，现实中，至于需要多少钱可以退休，是那些局外人很难回答和计算的问题，为什么这么说呢？我问4个问题，您愿意回答了，我才能帮您算出来需要多少钱哈。

1. 不知道您现在是啥人，比如是CEO还是打短工的？

2. 如果说退休后想维持现有的生活，那现有的生活是啥样子的呢？

3. 您想要的是啥样的退休生活，比如是想买飞机呢还是想买游艇呢？

4. 您一年打算旅游几次呢？是坐头等舱还是经济舱呢？

How will you spend your retirement dollars?

Here's how older Americans today spend their money.

 Ages 50-64 Ages 65-74 Ages 75 and older Housing 47.3% 45.8% 48.84% Food 12.6% 13.2% 11.9% Health 7.6% 10.8% 10.4% Clothing 3.2% 3.1% 2.9% Transportation 13.3% 12% 9.5% Entertainment 8.4% 8% 6.5% Other 3% 3.9% 5%

Source: Zahra Ebrahimi, "How Do Retirees' Spending Patterns Change Over Time?" EBRI Issue Brief, no. 492 (Employee Benefit Research Institute, October 3, 2019).

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