两口子退休养老大概需要多少钱？ (转载) - 未名空间MITBBS历史存档

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两口子退休养老大概需要多少钱？ (转载)

两口子退休养老大概需要多少钱？ (转载)# Stock

t*g2012-02-18 08:02

1 楼

【以下文字转载自 Investment 讨论区】
发信人: thanksgiving (###), 信区: Investment
标题: 两口子退休养老大概需要多少钱？
发信站: BBS 未名空间站 (Sat Feb 18 00:10:59 2012, 美东)
假设60岁退休，活到90岁。2个人退休生活需要多少钱？（包括401k和所有不动产）。
假设不需要考虑子女的学费和生活费。要考虑到生病看医生的钱，和诸如行动不方便后请保姆的开
销。

x*o2012-02-18 08:02

2 楼

要么自己401k 支付，要么美国政府救济支付。

b*l2012-02-18 08:02

3 楼

$3M

后请保姆的开

【在 t**********g 的大作中提到】

: 【以下文字转载自 Investment 讨论区】
: 发信人: thanksgiving (###), 信区: Investment
: 标题: 两口子退休养老大概需要多少钱？
: 发信站: BBS 未名空间站 (Sat Feb 18 00:10:59 2012, 美东)
: 假设60岁退休，活到90岁。2个人退休生活需要多少钱？（包括401k和所有不动产）。
: 假设不需要考虑子女的学费和生活费。要考虑到生病看医生的钱，和诸如行动不方便后请保姆的开
: 销。

g*c2012-02-18 08:02

4 楼

not enough

【在 b******l 的大作中提到】

: $3M
:
: 后请保姆的开

K*g2012-02-18 08:02

5 楼

和美国人聊过，需要至少300万美刀

b*l2012-02-18 08:02

6 楼

There is a well-known rule called "4% rule" in retirement planning. The rule
is the following. Assuming you are retiring at 65, you can withdraw your
money at 4% for your first year. Later on, you will withdraw your money in
that amount of money plus inflation. With this rule, your money will live
longer than you do. That is why I came up with $3m number for you.

【在 b******l 的大作中提到】

: $3M
:
: 后请保姆的开

g*c2012-02-18 08:02

7 楼

if only withdraw 4%, and you most likely have >4% return from
your investment, the you'll leave 3m for your kids

rule

【在 b******l 的大作中提到】

: There is a well-known rule called "4% rule" in retirement planning. The rule
: is the following. Assuming you are retiring at 65, you can withdraw your
: money at 4% for your first year. Later on, you will withdraw your money in
: that amount of money plus inflation. With this rule, your money will live
: longer than you do. That is why I came up with $3m number for you.