周末话题：你要积累多少资产才能在退休后无忧维持现状？

contr · 发表于 2013-10-20 02:21 PM

5M to be in the top 1%

dsp · 发表于 2013-10-20 02:40 PM

I guess I have to work to death.

6degrees · 发表于 2013-10-20 03:59 PM

ctcld 发表于 2013-10-20 01:16 PM
你说的是一人10万哈，现在和将来是完全不同的算法。

现在每人（税后）10万估计都剩不下几个子儿，退休后自理能力下降，要请人的地方多了，估计就更紧了。
如果想去好的care-center，每年10万根本不灵。
再如果得什么大病（可能性很大的），就可想而知了。
所以如果估计退休后还可再喘气20年的话，如果不想给社会和家人增加负担，每人至少需要2米林。否则就很拮据了。

fortune1212 · 发表于 2013-10-20 04:17 PM

偶要健康工作到68岁！

StuOfMkt · 发表于 2013-10-20 07:29 PM

夫妻两with 5m diversified investment portfolio (real estate, stocks, bonds, domestic and international) 可以较舒适地退休。

ctcld · 发表于 2013-10-20 08:39 PM

透明雨发表于 2013-10-20 01:16 PM
身体健康至死无大病= 1M财富

身体健康至死无大病〉》 1M财富

bigbadwolf · 发表于 2013-10-20 08:55 PM

本帖最后由 bigbadwolf 于 2013-10-20 08:57 PM 编辑

假设可以再活25至30岁，按照保守投资回报3% 外加每年撤出4%本金的水平，看来至少需要2M才可以维持中上阶层的生活水准。夫妻二人退休时最好有合计3M以上的净投资portfolio。

82-28婚配的另解。

curiosity2009 · 发表于 2013-10-20 09:27 PM

我相信绝大多数人积累不了2-3M 这么多的财富。
为了这个数字工作到很老，老到没有热情和精力去享用这笔财富，也没什么意思。

1.5M， 55岁半退休，感觉还可以。这个年龄有足够的精力去旅游，去做自己真正有兴趣的事。
人的消费其实弹性很大，没有2-3M，房子可以住小一点，奢侈的消费可以少些。只要有健康乐观的心态，同样可以过得很自在。
要是得了需要躺在医院，用钱堆着维持生命的病，生活没有一点生活质量，多活少活几天也没什么区别。

ctcld · 发表于 2013-10-20 09:46 PM

curiosity2009 发表于 2013-10-20 08:27 PM
我相信绝大多数人积累不了2-3M 这么多的财富。
为了这个数字工作到很老，老到没有热情和精力去享用这笔财 ...

如果能股东合作投资1M，胜出的操盘手操盘，周进1%为目标，几年下来大家的分红就能实现提前退休的目标。这也许是我当初倡议招股和基金比赛的初衷。能否走下去，要看大家有没有这个缘分和运气。

chinesebuffet · 发表于 2013-10-20 09:56 PM

华尔街就是ATM，哪用积累？没钱就提款就是了！

dsp · 发表于 2013-10-20 10:01 PM

ctcld 发表于 2013-10-20 09:46 PM
如果能股东合作投资1M，胜出的操盘手操盘，周进1%为目标，几年下来大家的分红就能实现提前退休的目标。这 ...

周进1%为目标就是一年50%+的return。那些MF都该关门了。

bigbadwolf · 发表于 2013-10-20 10:04 PM

curiosity2009 发表于 2013-10-20 09:27 PM
我相信绝大多数人积累不了2-3M 这么多的财富。
为了这个数字工作到很老，老到没有热情和精力去享用这笔财 ...

55岁累积1.5M 也许比65岁累积3m还有挑战性呢。

ctcld · 发表于 2013-10-20 10:15 PM

chinesebuffet 发表于 2013-10-20 08:56 PM
华尔街就是ATM，哪用积累？没钱就提款就是了！

对华尔街来说，散户就是赌民，他们是赌场的老板。。

乐水鸣佩环 · 发表于 2013-10-21 05:57 AM

有命来花才更重要。每个人希望走到哪步，都要出发前先看看自己站在这里，想要迈着大步或者跑起来超越目前的阶级，那就肯定要付出其他东西去换。

福多多 · 发表于 2013-10-21 05:14 PM

透明雨发表于 2013-10-20 02:39 PM

很多人忽视了“太多”这个重要的词，而以为什么都不留下才是对的。事实上一个人走了，他带走的和留下的东西都很多。

有的人生下来受到的教育不好，好吃懒做，留下太多的钱给他的话，对人对己都没有好处，这是真的，现实中也有不少这类人。

可是为什么做父母的不尽自己的责任去改变子女的思想和行为，让他们努力成为贤能的人？却消极地以子孙不肖为由来处理了自己的财富？
当父母在积蓄财富的时候，做子女的难道没有间接地出力吗？（例如父母上夜班了，子女就要忍受一夜的孤寂，少了一夜的教导）或者说子女难道从来就没有给父母带来欢乐吗？

我个人认为林则徐的话容易产生一种失败的教育和理财的观念。

即使什么都不留下，做子女的都可以理解，毕竟父母的钱财有权自己处理。不过做父母的不应该说这样的话来伤子女的心。

Rumor has it, Gates' children will only inherit $10 million each. "Only"? Well, when you're worth $65 billion, $10 million is chump change.
"I definitely think leaving kids massive amounts of money is not a favor to them. Warren Buffett was part of an article in Fortune talking about this in 1986 before I met him and it made me think about it and decide he was right."

jamesmith · 发表于 2013-10-21 06:21 PM

did some quick calculation, 2 to 3 million should be enough for most people in normal circumstances...

I support your view! health is definitely much more valuation than 1 million

what's more interesting is how can we do what we like to do now, and keep working for as long as possible. It will be very boring if there's nothing to do after retirement.
There are studies that shows working makes you healthier and lives longer.

http://www.livescience.com/13258-hard-workers-live-longer.html

Among the findings: Conscientious, prudent people live a few years longer than carefree, happy-go-lucky sorts. Marriage lengthens life for men, but makes little difference for women, and social ties are longevity boosters for both genders. Hard workers who advanced in their careers and took on more responsibility were also more likely to live long, healthy lives.

5883 · 发表于 2013-10-21 10:22 PM

1千万也没用，你要的是个business，或者其他不停生钱的办法

Cheese · 发表于 2013-10-22 03:46 PM

ctcld 发表于 2013-10-20 11:25 AM
医疗保险这倒不用太担心。65岁以上就有Medicare了。关键时要请人的花费。

medicare我记得不是全包的，真得了那种烧钱的病，out of pocket肯定少不了。

Cheese · 发表于 2013-10-22 03:48 PM

jamesmith 发表于 2013-10-21 06:21 PM
did some quick calculation, 2 to 3 million should be enough for most people in normal circumstances. ...

问题是谁雇70/80的老头老太太啊，那么多年轻力壮的都没饭碗呢

landlord · 发表于 2013-10-22 04:05 PM

Below is an interesting brief on health care cost after retirement:

Fidelity Investments, which has been tracking retiree health care costs for more than a decade, estimates that a 65-year-old couple retiring this year will need $240,000 to cover future medical costs. That doesn't include the high cost of long-term care. Nor does it take into account additional costs you may incur if you decide to take — or are forced into — early retirement before your Medicare kicks in.

Fidelity's estimated $240,000 includes the cost of deductibles and copayments, premiums for optional coverage for doctor visits and prescription drugs, out-of-pocket expenses for prescription drugs, and other expenses that Medicare doesn't cover, such as hearing aids and eyeglasses.

Even if you face no other costs, paying for premiums and deductibles for the traditional Medicare choices of Parts A, B and D (rather than opting for the Medicare Advantage program known as Part C) can quickly eat up retirement savings.

http://www.aarp.org/health/medic ... h-care-costs.2.html

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