Predicting exactly what your retirement will be like is about as possible as a meteorologist predicting the weather correctly every single time. In fact, few retirees find their financial futures playing out precisely as they assumed. 但, understanding some of the more common assumptions about retirement may help you get closer to your goal than most.
代之前, 当人们退休, 许多人确实生活在可怕的困境中, 有时“连最后一毛钱都花不完”,” which lead to the creation of Social Security. Today, Social Security is still around and a common supplement to one’s retirement strategy. 真正的, health crises can sometimes impoverish retirees, but working with a financial professional may even help you prepare for this hard-to-anticipate cost.
Retiring on 70-80% of your end salary may not be feasible
A quick internet search reveals all sorts of sources instructing new retirees should strive to retire on 70-80% of their end salary, 但这可能是一个很难实现的目标.
大多数新退休人员经常想去旅行, 探索新的追求, 学习一些兴趣爱好, and finally get around to those things they had put off when they were too busy with work. So, in the first few years, some may spend roughly as much as they did before retirement.
For many retirees, median household spending increases on the way to a retirement transition. 但, 有一个明智的财务策略, the annual median household spending in retirement tends to decline gradually after age 60 and begins to plateau when people reach their early eighties.1
平均, households headed by those older than 65 spend 25% less annually than younger households (a difference of more than $15,000). While health care spending increases in retirement, 其他家庭成本下降, particularly transportation and housing expenses.2
Most people retire closer to age 60 than age 70. Believe it or not, the average retirement age in this country is 61. That means you could find yourself claiming Social Security earlier than you planned, if only to avert drawing down your retirement savings too quickly.3
In general, American retirees seem to have it pretty good. A recent survey found that 47% of American retirees feel that the time they put in before retirement allowed them to enjoy the same standard of living they had while working.4
Your retirement may differ slightly or even greatly from the retirement you have imagined. 幸运的是, it may be possible to create a flexible retirement strategy with the help of a financial professional. 开始永远不嫌晚!
1. 摩根大通(JP Morgan), 2019
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