长寿的风险 — 退休后的持续收入(一)

现在65岁的人士的平均寿命大概是84岁,但事实上每4位65岁人士就有一位会活超过90岁;每10位就有一位会超过95岁。长寿让很多退休人士可以有更多的时间去享受退休生活,但同时也让他们面临很多问题,其中最重要的两样问题就是健康和退休后的持续收入。

笑っている老夫妇
(fotolia)

超过一半以上中等收入的婴儿潮人士,他们的退休储蓄经费不超过10万;而且5分之1的人还少于1万。所以,超过57%婴儿潮的人士预期退休以后还得继续工作。到底我们要积累多少退休经费才能够满足我们的退休需要? 这要看我们对退休生活质量的要求,你想选择图书馆和义工的生活,还是想要环游世界的生活。

根据2012年的数据统计,在美国65岁以上的老人收入来源和金额:

收入来源

收入的人数

占老人总数比例

平均金额

有收入老人总数

4182万

96%

32,856

社会安全金

3635万

84%

14,229

利息收入

2014万

46%

3,233

退休金收入

1304万

30%

17,914

继续收入

934万

21%

44,470

股息收入

853万

19%

6,191

房地产收入

319万

7%

10,935

女儿资助

202万

4%

8,006

丧偶福利

191万

4%

12,130

老兵福利

136万

3%

13,200

增加的社安金福利

115万

2%

6,217

失业救济

52万

1%

6,208

伤残福利

28万

0.70%

14,010

不同收入水平老人养老金来源比例:

收入来源 收入最低20%老人 收入较低20%老人 中等收入20%老人 收入较高20%老人 收入最高20%
政府资助 8.7% 2.4% 1.8% 2.4% 1.8%
资产收入 3% 3.1% 4.6% 8% 14.5%
退休金 2.7% 4.3% 11.8% 26.3% 21.1%
社会安全金 82.5% 86% 75% 45.6% 16.1%
继续工作 2.9% 3.6% 6.4% 17.3% 46.1%

从数据可以看出,美国的退休收入来源主要是社会安全金,但这只是最基本的保障。根据统计数字显示,2014年,退休人员个人可领取的社会安全金平均额为$1,294每月;夫妻可领取的月平均金额为$2,111。

在美国收入较高的40%退休人群中,社会安全金收入占其退休后收入比例已经不足一半。而在收入最高的退休老人中,退休后继续工作的收入成为最大的收入来源。由此可见,要想退休以后可以维持高的收入,只能继续工作奋斗。(待续......)

联信理财提供多元化的保险退休计划,想要了解更多适合自己的保障方案,请跟Yan Chen,陈白燕小姐联系,电话:415-939-5936。
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3 Responses to 长寿的风险 — 退休后的持续收入(一)

  1. Hannah

    05/16/2016 at 3:57 下午

    This initrmaofon is off the hizool!

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