退休后每年需要多少收入？

来源: commonsense888 于 2011-12-02 21:56:32 [档案] [旧帖] [给我悄悄话] 本文已被阅读：次 (2447 bytes)

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一般以为退休后需要退休前80%的收入。有的专家讲实际上并不需要那么多。按平均算，年龄越大，开销越小，下面是2010年，美国不同年龄的年家庭开销：

45-54岁 $57k 100%

56-64岁 $50k 80% of $57K

65-75岁 $42K 72% of $57k

76岁以上 $31K 55% of $57k

http://finance.yahoo.com/news/are-you-saving-too-much-for-retirement-.html

Look at the data. True spending patterns suggest your first years of retirement will be your most expensive. Consider these figures from the Bureau of Labor Statistics' consumer expenditure survey for 2010:

The average household headed by someone age 45 to 54 spends 57,788 a year. Those years are typically the highest-earning, highest-spending years. Average expenditures for the 55-to-64 age group (which presumably includes workers as well as early retirees) are $50,900; 88 percent of the expenditures for the younger group. Heads-of-household aged 65 to 75 spent an average of $41,434 in 2010, or about 72 percent of the amount spent during those early prime-earning years. And households headed by those over 75? They only spent an average of $31,529, or 55 percent of their peak spending.

That means that even if you do need 80 percent, or more, in your first years of retirement, you will not need that forever. That changes the savings calculus.

You may be able to front-load your retirement spending. That's most likely what you would do anyway, because people in their first year of retirement often spend extra money on special trips, home repairs and new hobbies.

Another retirement rule of thumb says you should pull out only 4 percent of retirement savings in your first year if you want your money to last 30 years. So, if you've saved $500,000, you could withdraw $20,000, or $1,667 a month. But, if you're willing to curtail spending down the road, you could start with bigger withdrawals early, says Christopher Van Slyke, a money manager in Austin, Texas. He tells some of his newly retired clients they can start by pulling 5.5 percent or 6 percent out of their portfolios for a few years, as long as they understand that that rate isn't sustainable for three decades.