退休後的生活開銷與你估計的差多少? - 投資
By Steve
at 2022-10-07T18:06
at 2022-10-07T18:06
Table of Contents
不知道別人如何,但我這一年下來,發現開銷比預期多出不少。不幸的是投資收入方面不但
不如預期,還出現不少虧損。
這開銷多出來的部份,醫療保健是其中一塊,除了治療檢查也有保健,包括參加運動,按摩
都算。
另一塊是休閒活動。退休不就是想做自己有興趣的事? 無論是參與,學習,添購裝備,都能
讓你額外消耗不少銀兩。
此外還有更多時間社交或出遊,無論是現在的國旅,或邊境解封後的出國,都會更快的侵蝕
掉你的積蓄。總之就是,收入比退休前少,支出比退休前多。尤其醫學發達壽命延長,至少
得估計自己能活到90歲,真的沒有樂觀的本錢。
退休後要靠投資與年金產生的現金流來支應生活開銷。只要能打平,通常都能睡得不錯。這
也是為什麼許多退休族買定存股或債券領息生活的原因。如果一直得拿本金來消耗,難保內
心不慌啊! 況且退休後若每日還要在股海奮戰搏鬥才能維持生計,那與工作有何兩樣?
規劃的退休生活期間越長,面對不可知的風險越大。比方說,少子化的未來世界,是否得付
出更多才能得到相同的生活品質? 還是無可避免的必須承擔品質下降的遭遇? 如所以我覺得
除非你條件特殊,還是別年紀輕輕的就退休。工作/事業其實也能帶來很大的成就感,又能
讓你不必操心生計,也可能有益於你的健康。
無論如何,對退休的開銷估算還有投資收入預期,別太樂觀為好。
--
不如預期,還出現不少虧損。
這開銷多出來的部份,醫療保健是其中一塊,除了治療檢查也有保健,包括參加運動,按摩
都算。
另一塊是休閒活動。退休不就是想做自己有興趣的事? 無論是參與,學習,添購裝備,都能
讓你額外消耗不少銀兩。
此外還有更多時間社交或出遊,無論是現在的國旅,或邊境解封後的出國,都會更快的侵蝕
掉你的積蓄。總之就是,收入比退休前少,支出比退休前多。尤其醫學發達壽命延長,至少
得估計自己能活到90歲,真的沒有樂觀的本錢。
退休後要靠投資與年金產生的現金流來支應生活開銷。只要能打平,通常都能睡得不錯。這
也是為什麼許多退休族買定存股或債券領息生活的原因。如果一直得拿本金來消耗,難保內
心不慌啊! 況且退休後若每日還要在股海奮戰搏鬥才能維持生計,那與工作有何兩樣?
規劃的退休生活期間越長,面對不可知的風險越大。比方說,少子化的未來世界,是否得付
出更多才能得到相同的生活品質? 還是無可避免的必須承擔品質下降的遭遇? 如所以我覺得
除非你條件特殊,還是別年紀輕輕的就退休。工作/事業其實也能帶來很大的成就感,又能
讓你不必操心生計,也可能有益於你的健康。
無論如何,對退休的開銷估算還有投資收入預期,別太樂觀為好。
--
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