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Retiring minds want to know how to prepare for unexpected risks
籌劃退休人群 如何應對意外風險
By Walter Updegrave
作者：沃特·阿普迪格雷夫
WHEN IT COMES TO RETIREMENT PLANNING, WE NATURALLY focus on the risks we’re most aware of—
籌劃退休事宜時，我們通常會把注意力集中在我們最了解的風險上 -
for instance, the possibility that this nine-year-old bull market could give way to a ravaging bear.
比如，連續挺進了九年的牛市被慘不忍睹的熊市取代的可能性，
Or that an unscrupulous or incompetent adviser might talk us into bad investments.
或者，一個不擇手段或毫無能力的顧問忽悠我們做出錯誤投資的可能性。
Here are three risks that may not be top of mind but that you should still guard against:
然而，下面這三種風險雖可能并沒有被人們放在首位，但確實是你應該防范的：
1.COMPLACENCY RISK
1.自滿風險
Maybe you set your savings rate early in your career when your budget was especially tight, and haven’t raised it since.
或許在職業生涯早期你就已經給自己定好了存錢的節奏，而那時你的預算還相當緊張，而之后你一直沒有提高你的存錢節奏。
Or perhaps you were automatically signed up for your 401(k) at a default rate of 3% to 6% and you never increased it.
又或者您以默認的3％到6％的違約率簽了401(k)退休福利計劃但從來沒有上調這一計劃。
Still, aided by the double-digit market returns of recent years,
盡管如此，多虧了近幾年高達兩位數的市場回報率，
your retirement account balances seemed to be growing nicely,
你的退休賬戶余額才看起來漲得很快，
so you never bothered to gauge whether you were actually on pace to build an adequate nest egg.
以致于你從來沒有花心思去算你是否真的能夠往你的退休賬戶里存足夠的錢。
In short, you have fallen prey to complacency risk.
簡而言之，你已經成了自滿風險的受害者。
You’ve let yourself be lulled into a false sense of security that you’re on the road to a secure retirement—
你已經讓自己陷入了一種虛假的安全感，以為自己正在走向安全的退休之路 -
or at least making reasonable progress toward that goal—
至少以為自己在實現這一目標方面取得了合理的進展 -
while in reality you may be well short of where you need to be.
而實際上，你可能遠遠落后于你需要達到的水平。
The best way to protect against this risk is to periodically give yourself a retirement checkup.
要防止這種風險，最好的辦法就是定期檢查自己的退休賬戶。
Go to a retirement income calculator
找一個退休收入計算器
and plug in information such as your income, the current value of your retirement accounts,
輸入自己的收入，退休賬戶的當前余額，
how much you’re saving each year and the age at which you plan to retire.
每年存了多少錢以及你計劃退休的年齡等信息。
The tool will estimate your probability of achieving your goal.
工具就能估算出您實現目標的可能性。
If the tool estimates your chances at less than 80%,
如果估計出來的可能性低于80％，
then you need to make some adjustments, such as saving more, investing differently,
那你就需要做一些調整，比如多存錢，改變投資方式，
scaling back your planned retirement lifestyle or a combination of these things.
縮減您計劃的退休后的生活方式，或者多種措施同時實行。
譯文由可可原創，僅供學習交流使用，未經許可請勿轉載。
