長壽的風險 — 退休後的持續收入(一)

現在65歲的人士的平均壽命大概是84歲,但事實上每4位65歲人士就有一位會活超過90歲;每10位就有一位會超過95歲。長壽讓很多退休人士可以有更多的時間去享受退休生活,但同時也讓他們面臨很多問題,其中最重要的兩樣問題就是健康和退休後的持續收入。

笑っている老夫婦
(fotolia)

超過一半以上中等收入的嬰兒潮人士,他們的退休儲蓄經費不超過10萬;而且5分之1的人還少於1萬。所以,超過57%嬰兒潮的人士預期退休以後還得繼續工作。到底我們要積累多少退休經費才能夠滿足我們的退休需要? 這要看我們對退休生活質量的要求,你想選擇圖書館和義工的生活,還是想要環遊世界的生活。

根據2012年的數據統計,在美國65歲以上的老人收入來源和金額:

收入來源

收入的人數

占老人總數比例

平均金額

有收入老人總數

4182萬

96%

32,856

社會安全金

3635萬

84%

14,229

利息收入

2014萬

46%

3,233

退休金收入

1304萬

30%

17,914

繼續收入

934萬

21%

44,470

股息收入

853萬

19%

6,191

房地產收入

319萬

7%

10,935

女兒資助

202萬

4%

8,006

喪偶福利

191萬

4%

12,130

老兵福利

136萬

3%

13,200

增加的社安金福利

115萬

2%

6,217

失業救濟

52萬

1%

6,208

傷殘福利

28萬

0.70%

14,010

不同收入水平老人養老金來源比例:

收入來源 收入最低20%老人 收入較低20%老人 中等收入20%老人 收入較高20%老人 收入最高20%
政府資助 8.7% 2.4% 1.8% 2.4% 1.8%
資產收入 3% 3.1% 4.6% 8% 14.5%
退休金 2.7% 4.3% 11.8% 26.3% 21.1%
社會安全金 82.5% 86% 75% 45.6% 16.1%
繼續工作 2.9% 3.6% 6.4% 17.3% 46.1%

從數據可以看出,美國的退休收入來源主要是社會安全金,但這只是最基本的保障。根據統計數字顯示,2014年,退休人員個人可領取的社會安全金平均額為$1,294每月;夫妻可領取的月平均金額為$2,111。

在美國收入較高的40%退休人群中,社會安全金收入占其退休後收入比例已經不足一半。而在收入最高的退休老人中,退休後繼續工作的收入成為最大的收入來源。由此可見,要想退休以後可以維持高的收入,只能繼續工作奮鬥。(待續……)

聯信理財提供多元化的保險退休計劃,想要瞭解更多適合自己的保障方案,請跟Yan Chen,陳白燕小姐聯繫,電話:415-939-5936。
2.yan
文|圖 陳白燕· 理財顧問

責任編輯:趙亮

3 Responses to 長壽的風險 — 退休後的持續收入(一)

  1. Hannah

    05/16/2016 at 3:57 下午

    This initrmaofon is off the hizool!

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