Perencanaan pensiun - Keapakan tahu

Perencanaan pensiun - Must-Knows:

Segalanya anda perlu tahu tentang perencanaan pensiun :

We Human beings dibedakan dari binatang kami oleh kemampuan kami untuk merencanakan di depan.

Sedangkan itu mungkin benar, agak cukup sulit untuk kebanyakan dari kami untuk merencanakan apa saja hanya dua belas bulan di depan, suka liburan musim panas.

Oleh sebab itu bagaimana kami seharusnya berurusan dengan sesuatu pada masa depan jauh -- seperti pensiun?

Di usaha untuk menyepak-mulai rencana pensiun anda, kami akan mengeluarkan tongkat bilyar dari mentalitas "perjuangan atau penerbangan" dan ketakutan dunia hewan anda ke dalam tindakan:

Jika anda tidak melakukan sesuatu sekarang juga untuk memastikan pensiun anda, anda akan akhirnya tinggal di gang yang berkelahi dengan kucing nyasar untuk makan malam anda.

Adalahnya pensiun orang-tua anda??

Berpikir punggung sekitar 40 tahun.
Rekening pensiun perseorangan (IRAs) baru saja diciptakan.
Ada tak ada hal seperti itu sebagai 401 (K) S.

Bensin bebas. (Atau sedikitnya itu kelihatannya cara itu di mawas diri. )
Orangtua yang lebih tua mengandalkan bangku tak bersandaran yang berkaki tiga yang seperti dalam pepatah untuk menopang mereka pada tahun-tahun keemasan mereka:

1. Jaminan sosial,
2, helai cek pensiun, dan
3, tabungan.

Hidup pengharapan dan Pensiun:

Pensiun tidak bertahan terlalu panjang karena pengharapan kehidupan tidak pergi jauh melewati umur sebanyak 70. Pria rata-rata tidak menjadi rata menjadikannya itu jauh.

Pensiun anda akan sangat berbeda.
Anda akan hidup lebih lama, dan anda akan mempunyai lebih aktif (membaca: mahal) gaya hidup. Orang-tua anda sudah mungkin hidup terus atas 70% dari penghasilan pre-pensiun mereka (barangkali anda sudah mendengar peraturan biasa ini thumb?). Tetapi itu adalah mungkin tidak cukup bagi anda.

Collapsing Tool:

Jika anda menaruh pensiun anda di atas bangku tak bersandaran itu yang berkaki tiga yang seperti dalam pepatah, ada kesempatan baik bermaksud melipat.

Mengapa?

Mari melakukan sedikit teknik struktural dan melihat bagaimana masing-masing "kaki" awet.

Jaminan sosial:

Mulai 2004, keuntungan pensiun Jaminan Sosial tahunan yang rata-rata adalah sekitar $11.000.

Di kata lain, retirees tidak bisa tinggal di Jaminan Sosial seorang diri.
Dan tidak mengharapkan bahwa untuk berganti.

Sewaktu kangguru jantan bayi pensiun dan membebani ketegangan, keuntungan akan paksa dimatikan atau pajak ditinggikan.

Untuk yang itu di atau dekat pensiun, keuntungan anda cantik aman. (Melihat? Kami tidak mempunyainya ke luar untuk di-undang-undang di semua. )

Bagi orang banyak yang lebih muda, tidak memperhitungkan mendapat seluruh keuntungan yang ditaksir di pernyataan dikirim kepada anda oleh Administrasi Jaminan Sosial setahun, tiga bulan sebelum hari ulang tahun anda.

Rencana ditegaskan-keuntungan (pensiun tradisional): Banyaknya anda akan menerima dari pensiun tradisional bergantung, terlebih dulu semua, di apakah anda bekerja untuk perusahaan yang menawarkan sesuatu.

Kebanyakan dari kami tidak.
Penurunan rasio di Keuntungan:
Sebenarnya, hanya 20% dari orang Amerika mempunyai keuntungan seperti itu, dari 40% pada 1975.

Jika anda di antara yang mujur di lima, keuntungan anda akan menerima berdasarkan gaji anda dan jumlah tahun-tahun anda bekerja untuk majikan itu.

Since we've become a mobile workforce, many people don't stay in a plan long enough to accrue significant benefits.

The average annual defined-benefit payout is less than $10,000. Plus -- unlike Social Security benefits -- most benefits aren't adjusted for inflation over the years.

Savings:
Of the three legs that may prop up your retirement, your personal savings are what you have the most control over. So while two out of three of those stool legs have some pretty serious cracks, this leg is as strong as you want to make it.

The good news is that this one decision -- to save or not to save -- will have the biggest impact on the quality of your post-work life.

There's really only one place your retirement savings should go.
While we've got our calculators out, let's take a look at various investments' average annual returns from 1926-2003 (source: Ibbotson Associates):
Treasury bills: 3.7%
Intermediate-term Treasury bonds: 5.4%
Large-cap stocks: 10.42%
Small-cap stocks: 12.7%

On the Rule Your Retirement-dedicated discussion boards, we often get questions from early retirees (55-year-old whippersnappers, for instance) who wonder if 50% of their investments should be in bonds.
Market risk (the chance you will lose money) and reward (the chance that your investments will head skyward) travel hand-in-hand in the daily marketplace.

Great Risk and Great returns:

The greater the risk, the greater will be the potential return for taking that risk.

Equally true is the potential for loss, which quite handily explains why taking that risk should pay a greater reward.

By and large, however, risk is pretty much a short-term phenomenon. That's particularly true in the stock market, which many regard as a quite risky investment.

Fools recognize that the stock market shifts every day, sometimes sharply downward.

That can be absolutely gut-wrenching when it occurs. Heck, from 2000 to 2002, many people lost more than half their life savings in the market.

But history shows us that the inexorable pressure on the stock market is upward. The biggest bang for our buck will be found in stocks.

According to Jeremy Siegel's Stocks for the Long Run, for every rolling five-year investing period from 1802 to 2002 (i.e., 1802-1807, 1803-1808, etc.), stocks outperformed bonds 80% of the time. Stocks beat bonds for 90% of the rolling 10-year periods, and essentially 100% of the rolling 30-year periods. For holding periods of 17 years or more, stocks have always beaten inflation, a claim bonds can't make.
Think now about your retirement. When will it occur -- 20 years from now, five years, tomorrow?

If you're close to it, or are already retired, how long must the money last?

Now think about your retirement investments. Is the bulk of your money positioned for long-term growth (read: stocks) or short-term stability and income (read: bonds and bills)?
The mix you have in these instruments is something you must decide for yourself.

After all, you're the one who has to sleep at night.

Recognize, though, that investing for retirement is a long-term goal. Hence, you truly want to shoot for the best growth in your investments that you can get.

That won't be found in bonds or bills over the long haul. If you elect to keep most of your money there, almost assuredly in retirement you will be eating Beanie Weenies because you have to, not because you want to.

When you are given an inch take a mile :

Be greedy.

As the number of defined-benefit plans has declined, the number of defined-contribution plans -- e.g., 401(k)s, 403(b)s, and 457s -- has increased.

Your contributions to such a plan lower your taxable income dollar for dollar, so you immediately cut your income tax bill. (Be greedy!)

Plus, the investments grow tax-deferred -- i.e., you don't pay taxes on the growth and income until you make withdrawals in retirement -- leaving more of your money to compound through the years. (Take it! Take it!)

Matching contributions:
As a third bonus, your boss might pay you to save by matching your contributions.

For example, the company might add 70 cents to your account for every dollar you sock away. (Freebies! Grab! Grab!)


C.EASHWER – SINGAPORE