南加州62岁夫妻,没房贷,有0.9米401K+100Kcash, SS=$2000/月. 如何才能退休但不把本金用光.

所有跟帖： 

• 每年从401k中取4%，约$3万六，就行。 -commonsense888- ♀ (0 bytes) () 03/28/2012 postreply 22:09:48

• 他的问题是如何能不动用本金，还可以有足够的收入。 -qka- ♀ (0 bytes) () 03/29/2012 postreply 05:28:40

• you need to put your money in a safe investment -little.me- ♀ (65 bytes) () 03/29/2012 postreply 00:00:26

• What is safe investment? CD? -sinke- ♂ (0 bytes) () 03/29/2012 postreply 09:10:29

• you need to talk to a fee-based finacial advisor -planotx- ♂ (135 bytes) () 03/29/2012 postreply 06:09:29

• 问过我的CPA,她说Theydontdobetter. CPA是很正的台人. -sinke- ♂ (0 bytes) () 03/29/2012 postreply 09:17:59

• The key question is: Can you live on 60K annually in Southern CA -Morning3evening4- ♂ (1211 bytes) () 03/29/2012 postreply 06:37:48

• 很有见解， 顶一下！ -螺丝螺帽- ♀ (0 bytes) () 03/29/2012 postreply 06:59:33

• :). Thanks. -Morning3evening4- ♂ (0 bytes) () 03/29/2012 postreply 09:16:07

• 说得好。阿毛是投坛为人民服务的 financial advisor! ：） -laoyangdelp- ♀ (0 bytes) () 03/29/2012 postreply 08:31:45

• It is free at this moment.:). -Morning3evening4- ♂ (0 bytes) () 03/29/2012 postreply 09:16:44

• 34大老,1-3都听的很中.4不容易. 很少老中搬离S CA.如不golffishfinseacucumber...60K差不多 -sinke- ♂ (0 bytes) () 03/29/2012 postreply 09:15:43

• Then, a part-time job should cover extra expense. -Morning3evening4- ♂ (0 bytes) () 03/29/2012 postreply 09:17:40

• 不过 $5/H part time job还不如到这里来灌水 -sinke- ♂ (0 bytes) () 03/29/2012 postreply 09:20:52

• 其实你什么都安排好了。看你以前的旧帖子就知道你都考虑过了。 -Nonsense123- ♀ (0 bytes) () 03/29/2012 postreply 09:56:12

• 大老您有CIA的经研? -sinke- ♂ (0 bytes) () 03/29/2012 postreply 17:30:13

• In CA, minimal salary is 5/h? -Morning3evening4- ♂ (109 bytes) () 03/29/2012 postreply 09:58:39

• 在CA,除了灌水上饭馆教会trail修屋顶操房产,还能做十么? -sinke- ♂ (0 bytes) () 03/29/2012 postreply 17:29:04

• 我读到的信息是，４０１K到了６６岁以上每年必须要拿出一部分的， -圆西瓜- ♀ (60 bytes) () 03/29/2012 postreply 10:06:47

• I remember at age 70. The amount is total amount divide by 20. -Morning3evening4- ♂ (78 bytes) () 03/29/2012 postreply 10:09:45

• you are right. 他们有90万，所以每年的minimum withdraw 只有1万多 -laoyangdelp- ♀ (0 bytes) () 03/29/2012 postreply 10:29:09

• 90/20 = 4.5w/year -sinke- ♂ (0 bytes) () 03/29/2012 postreply 17:32:03

• Open an IRA account and move your $90k into it and receive 5% st -gzkom- ♂ (5019 bytes) () 10/05/2012 postreply 23:39:55