家立方, 退休收入

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在家庭财务规划中,退休规划是为退休收入做准备的。

退休就意味着你不再有工作收入,而你的收入主要来自于你在工作年月中的积累。退休收入的来源主要有三个:政府的福利,所在公司的退休金和退休储蓄计划(group RRSP),个人退休储蓄计划 (RRSP, 非注册账户投资,出租收入,等等)

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退休规划的三个内容,

  • 1, 确定退休的目标,包括什么时候退休,和理想的退休收入是多少,等等。

目前加拿大的法定退休年龄是65岁,之前是67岁。自由党上台后在2016三月将退休年龄改回到65岁。可是越来越多的人们想在65岁前退休,在身体还强壮的时候去做些年轻时想做,而又没有时间和财力去做的事,如,去一个遥远的国家做一次长时间的旅行,等等。

在做退休规划是时候,首先要把 退休的目标定下来。主要两个退休目标是,退休的年龄和退休的收入。这两个目标定下来,其他的事情就容易多了。

  • 2, 为退休的目标制定计划,

当你的退休年龄的目标定下来,你就知道你还要工作多少年。当你的退休收入目标定下来,你可以通过计算知道你目前的积累距离你退休收入目标是不是有差距。为了弥补这个差距,你需要制定计划。

  • 3, 为风险做准备,

在退休规划中要考虑的风险除了市场风险外主要有两个,退休储蓄的急剧消耗和长寿的风险。

风险一,退休储蓄的急剧消耗,主要是指,退休后的突然重病所带来的资产的消耗,或突然生活不能自理,需要长期护理带来的资产消耗;这些风险在现代社会人们寿命不断延长的情况下,也越来越增加。

风险二,长寿的风险,是指长寿给退休收入带来的压力,尤其是退休收入主要来自储蓄计划的人们。长寿是喜事,但在做退休规划的时候我们需要把它作为‘风险’考虑进去,这也是现代人们越来越开始重视的。

十年前做退休规划的时候,通常把人们的平均寿命定在85岁。如果一个人65岁退休,那么要为20年的退休收入做计划。而现在,是95岁,因为人口统计预测未来加拿大人的平均寿命是超过90岁。同时越来越多的人们希望能早点退休。如果退休的年龄是55岁,那么退休规划要为40年的退休收入做准备。

比较谨慎的退休规划把寿命定在105岁,这样做的好处是,可以大大减少‘人还没走,钱已经花完了’的窘境。

退休规划的六个具体内容:

1. 计算退休后每月的收入;

2. 估算退休后每月的花销;

3. 计算收入与花销间的差别;

4. 计算需要从退休储备中取钱的比率;

5. 计算退休储备可以提供多长时间的取钱;

6. 通过寻找合适的金融产品,利用注册和非注册账户进行多样化投资,来做好退休规划。


本周末讲座会重点讨论退休规划, 请扫二维码,报名参加。

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(本文是原创,只作为信息参考,并不构成任何具体投资理财建议。欢迎各种与财务规划相关的问题,请扫二维码提问。)





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