評(píng)論
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How Much Money Do You Need to Retire?
你需要為退休準(zhǔn)備多少錢？
Have you ever calculated the amount of money you will need to have saved in order to enjoy the flow of income necessary to maintain your current lifestyle in retirement?
你有沒有算過(guò)你需要存多少錢才能在退休后還有收入來(lái)維持和現(xiàn)在一樣的生活？
If your answer is no, the sooner you determine how much you need to have saved, the sooner you can start the critical planning necessary to ensure a comfortable retirement.
如果沒有，那還是就快算算吧。越早做決定你就能越早為退休后的生活做計(jì)劃。
I have often heard millionaires referred to as “the rich people,” but did you know if you had one million dollars saved paying you an annualized return of 5 percent a year, you would only be earning $50,000, before paying taxes.
大家都把百萬(wàn)富翁叫“富人”，但是如果你以5%的年利率存入一百萬(wàn)美金，那么你每年的稅前收入僅僅是50000美金，這一點(diǎn)你知道嗎？
You must also consider the effects of inflation. As an example, let’s say you are 42 years old today and plan to retire when you are 65. Based on 3 percent annual inflation, you will need twice the cash flow at age 65 as you do today to maintain your current lifestyle.
你也要考慮到通貨膨脹的影響。假設(shè)你現(xiàn)在42歲，計(jì)劃到65歲時(shí)退休。如果年通脹率為3%，那么到你退休時(shí)就要用兩倍于現(xiàn)在的錢來(lái)維持當(dāng)前的生活。
How much do you need to save annually?
你每年要存多少錢？
Using the medium household income in the U.S of approximately $50,000, here are some at-a-glance numbers as to the amount of money you will need to save each year to maintain your current cash flow of $50,000 annually when you reach age 65.
以年收入大約為50000美元的美國(guó)中等收入家庭為例，下面列出了一組數(shù)據(jù)，顯示每年要存下多少錢才能在65歲退休時(shí)保持現(xiàn)在每年花費(fèi)50000美金的生活方式。
Age Annual Savings Required 25 $10,500 30 $13,500 35 $17,500 40 $23,500 45 $33,000 50 $49,000. These amounts were determined using an income calculator. The rate of return on investments used was 7 percent before age 65 and 3 percent thereafter. An inflation rate of 3 percent was included. The numbers also assume no current savings and do not take Social Security income into consideration. In each example, all the savings will have run out at age 85.
年齡/每年需存下的錢：25/$10500; 30/$13500; 35/$17500; 40/23500; 45/33000; 50/$49000. 這些數(shù)據(jù)都是用收入計(jì)算機(jī)算出來(lái)的。65歲前以7%的投資回報(bào)率計(jì)算，65歲后則以3%，其中包括了3%的通脹率。這些數(shù)據(jù)不包括當(dāng)前的存款，也不考慮社會(huì)保障收入。照這么計(jì)算，到85歲時(shí)就會(huì)用光所有存款。
As if these numbers aren’t scary enough, keep in mind that all annual savings (unless placed in pre-tax retirement account) are after tax dollars. In other words, if your current household income is $50,000 a year, you must pay 25% in taxes before putting your after- tax savings into your investments.
好像這些數(shù)據(jù)并不是很嚇人，但是要記住，所有的年收入都是以稅后算的（稅前退休賬戶除外）。換句話說(shuō)，如果你現(xiàn)在家庭年收入為50000美元，那么你必須先交25%的稅才能用你的存款投資。
How many people are prepared?
有多少人準(zhǔn)備好了？
Based on all the data I have reviewed and all the calculations I have done, I would bet that less than 3 percent of our population is currently on track with their savings and investments to maintain their current qualify of life during their retirement years.
基于我調(diào)查所得數(shù)字和所做計(jì)算，我敢說(shuō)目前計(jì)算自己存款和投資以保證退休后能保持當(dāng)前生活質(zhì)量的人不會(huì)超過(guò)3%。
The baby boomers (born between 1946-1964) will start reaching age 65 in 2011. Guess how much they’ve saved? One report from 2008 indicated they had an average retirement savings of $38,000, excluding pensions, homes, and Social Security. Using 5 percent as an investment return rate, $38,000 would provide a monthly income of $158.
嬰兒潮時(shí)期出生的那批人（1946—1964年出生的人）到2011年將會(huì)陸續(xù)達(dá)到65歲。猜猜他們存了多少錢呢？2008年的一項(xiàng)報(bào)告顯示，他們的平均退休存款為38000美元，不包括養(yǎng)老金，子女贍養(yǎng)費(fèi)和社會(huì)保障金。以5%的投資回報(bào)率計(jì)算，38000美元每月的利息能有158美元。
