强烈推荐一本退休财务规划方面的书

来源: 2023-11-06 13:58:32 [博客] [旧帖] [给我悄悄话] 本文已被阅读:

鉴于最近大家都在谈论退休的事,在此,强烈推荐一本在退休财务规划方面最好的书(没有之一),是Wade Pfau所著的Retirement Planning Guidebook,最新版是2023年出版的第二版:

Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success: Pfau, Wade: 9781945640155: Amazon.com: Books

这本书涵盖的内容之广,作者分析之精细,真是让人佩服,能看得出,作者绝对是个行家,他真的知道自己在讲什么:

Chapter 1: Retirement Income Styles and Decisions
Chapter 2: Retirement Risks
Chapter 3: Quantifying Goals and Assessing Preparedness
Chapter 4: Sustainable Spending from Investments [Summarizes 
How Much Can I Spend in Retirement?]
Chapter 5: Annuities and Risk Pooling [Summarizes 
Safety-First Retirement Planning]
Chapter 6: Social Security
Chapter 7: Medicare and Health Insurance
Chapter 8: Long-Term Care Planning
Chapter 9: Housing Decisions in Retirement [Summarizes 
Reverse Mortgages and adds new content]
Chapter 10: Tax Planning for Efficient Retirement Distributions
Chapter 11: Legacy and Incapacity Planning
Chapter 12: The Non-Financial Aspects of Retirement Success
Chapter 13: Putting it All Together

内容包括社保、医保、Annuity、Long Term Care等。 我个人最感兴趣的是第十章,主要讲Taxable Account、IRA、Roth IRA等不同税率账号取钱顺序的分析。

读这本书,可粗可细,他的有些精细数字分析,可能需要花大时间去理解,不愿意读这部分也无所谓,只泛泛地读一些大概念也会有很大收获。

对已经退休的,或者正在规划退休的, 强烈建议读一读这本书,否则是跟自己过不去。读完这本书后,基本上你再需要向别人问任何退休财务有关的问题。

几个月前在Amazon上买这本书的时候,搞错了买了两本,本来想退回去一本,发现这书太好,舍得退,索性寄给了大哥一本。

建宁 2023/11/6