Dave Ramsey, financial guru and founder of Ramsey Solutions, has a very simple approach to retirement planning. Save consistently, avoid (or get out of) debt, invest wisely and view retirement from a long-term perspective. Read More: Dave Ramsey Warns: This Common Habit Can Ruin Your Retirement Learn About: 3 Advanced Investing Moves Experts Use to Minimize Taxes and Help Boost Returns While this might seem like common sense, Ramsey’s financial tips posted to his blog can save retirees (and most anyone el ...

智通财经APP获悉，友邦香港最新发表的"AIA理想退休生活调查"显示，受访者理想退休储备中位数为 329.4万港元。然而，72%受访者的退休储备不足，平均缺口高达256.4万港元，或需延迟12.8年退休， 反映理想与现实之间出现落差。 另外，近六成受访者未有明确的退休储蓄计划，反映尽管受访者普遍意识到退休后的财务压力，仍未 有"超前部署"以规划理想退休生活。 调查于今年8月13日至8月31日期间进行，透过网上问卷及面对面形式，访问了共1003名年龄介于18至65 岁，并至少持有一个强积金账户的在职港人，以探讨在职港人对理想退休生活的目标、看法及实现目标 的可能性。 调查揭示，受访者普遍预期仅约三成退休储备来自强积金。同时，大部分受访者在作出强积金投资决策 时亦感到困难与迷惘：65%表示在拣选强积金基金时感到困难、57%不清楚各类基金的区别、56%不懂 如何解读表现、45%不清楚其强积金账户的实际年均投资回报。 值得关注的是，近七成受访者认同智能科技有助建立回报较好的强积金投资组合。数据反映，科技赋能 的工具有助提升受访者对退休规划的信心，并鼓励他们透过强积金更积极地作出部署。 60后受访者偏好配置混合资产基金 ...

I'm Robert Brokamp, this week, I speak with financial planning expert David Blanchett about his research into how to turn a portfolio into retirement paycheck and why many retirees could spend more than they do. But first, let's dig into what happened last week in money, starting with the ongoing federal government shutdown. One consequence is that many economic numbers won't be released, including the previous week's jobs report, and if the shutdown continues, the inflation figures for September, the cost ...

Retirement planning can be confusing at best and overwhelming at worst. When people try to plan for their golden years without professional advice, it’s easy to make mistakes that can cost you both time and money later on. Find Out: Retirees Share the One Thing They Regret Not Saving For Read Next: The New Retirement Problem Boomers Are Facing To get a sense of what some of the worst — in other words, most costly — mistakes people make in their retirement planning, I asked ChatGPT to help aggregate the in ...

Key Points It's important to have a thorough retirement plan, outlining how much income you'll need and how you'll amass it. Be sure to estimate your future spending comprehensively, including the expenses outlined below. Remember that there will likely be multiple unexpected expenses that pop up over the years. The $23,760 Social Security bonus most retirees completely overlook › Planning and saving for retirement is a tricky endeavor, because there are many unknowns -- and luck plays a factor, ...

Many people work for several decades before they can retire. Portfolios compound, earnings go up and people look toward the finish line as motivation to continue the race. Retirement is a marathon, not a sprint, but a few curveballs can catch some retirees by surprise. Learn More: How Much the Average Middle-Class Retiree Spends Monthly at Age 65 Find Out: I'm a Retired Boomer: 6 Bills I Canceled This Year That Were a Waste of Money Often, boomers end up depleting their portfolios much sooner than expecte ...

Key Points Many people forget to take healthcare costs into account when planning for retirement. Medicare doesn't cover everything, and seniors could face big out-of-pocket expenses. You should invest in an HSA or earmark money for medical care as a retiree. The $23,760 Social Security bonus most retirees completely overlook › When you plan for retirement, you're probably going to think about all the great things that you hope to do after you don't have to go to your job all day. You may have ...

By your 60s, most of your retirement foundation is already in place. While you may still have a few years to save, building significant new wealth is less likely unless you continue working during retirement. This stage typically shifts focus to taxes, withdrawals, Social Security and budgeting. To help you create a retirement budget, let’s walk through an example of a 63-year-old with $1.35 million in a traditional IRA and $2,200 in monthly Social Security benefits. If you prefer a hands-on approach to re ...

退休收入规划 - 退休收入计算基于储蓄与社会保障金的组合 其中100万美元退休储蓄与每月2500美元社会保障金可形成基本收入框架 [1][2] - 100万美元储蓄在30年退休周期中按月提取可产生约2700美元月收入 结合社会保障金后月总收入达5200美元 [6] - 现金类储蓄方式即使按美联储基准利率2%计算 实际收益率仍低于通胀水平 导致购买力持续衰减 [6] 投资组合配置 - 退休投资需综合考虑现金、债券、股票和年金等不同资产类别的配置方案 [2] - 纯现金配置方案存在明确期限约束 从96岁起将仅能依赖社会保障金单独维持生活 [6] - 投资组合构建需根据个人特定需求进行定制化设计 不同资产类别将影响长期回报率与收入流 [6] 长寿风险管控 - 民众普遍低估预期寿命 实际男性平均寿命82岁/女性85岁 远超普遍认知的75-80岁范围 [4] - 退休规划需至少按30年周期进行准备 65岁退休时应以至少95岁为资金规划终点 [5] - 寿命低估可能导致退休后期资金短缺 需确保资金持续周期覆盖整个生存期间 [5]

关于退休所需资金，嘉信理财职场金融服务部客户体验总监玛西·史都华（Marci Stewart）提到，受访者平均认为退休前需要准备约160万美元，比 2024年的180万美元有所下降，但仍在合理区间。 另一份由"终生收入联盟"（ALI）在2025年8月发布的报告显示，52%的45至75岁消费者对社会安全金的信心比五年前下降，其中58%担心未来福 利会减少。根据"联邦预算问责委员会"（CRFB）的预测，一对2033年初退休的双薪夫妻，每年可领取的社安金将比2025年退休的平均水平少1万 8100美元，减幅高达24%。 总体来看，尽管美国人更加依赖工作场所提供的退休计划，但通胀和对社安金的不确定性，仍让他们的退休蓝图面临重重考验。 这项调查在2024年春季展开，共有1000名拥有401(k)账户的投资人和100名Z世代年轻人参与。结果显示，有57%的受访者认为，通货膨胀是他们 享受退休生活的最大阻碍。 虽然不少人努力通过削减开支来维持储蓄，但对能否达成长期目标的信心却在下降。仅34%的受访者认为自己能实现退休储蓄目标，比2024年的 43%明显减少。嘉信理财退休计划服务部总经理李·麦卡杜（Lee McAdoo）指出 ...