退休后的长寿 & 你应该知道什么

杰里米·乔伊纳|
类别
投资
退休
金融
储蓄

你的退休生活将持续多久?

你活过90岁的几率有多大?

Most of us answer those questions wrong because we don’t have strong 长寿文化.1

That means that about 81% of us1 aren’t working with a viable understanding of our own life expectancy.

Let’s explore how understanding longevity could create a positive impact in your 退休计划.

什么是长寿素养?

Longevity literacy refers to your knowledge about expected lifespans and how it relates to retirement. Most people have poor to moderate 长寿文化, which can create a two-fold issue:

  1. 错误计算退休储蓄: Without a clear understanding of just how long you could live in retirement, 你可能存的钱不够, 让你在比预期长几十年的时间里没有资源.
     
  2. 不完整的退休计划: Your savings shouldn't be the only focal point for 退休计划. 当考虑到更多的退休时间, plans should incorporate strategies for maintaining quality of life and making adjustments in the future.

Interestingly, 长寿文化 is more prominent among some demographics.

性别长寿素养 & 一代.

The latest research paints an eye-opening picture of 长寿文化 in the U.S.2

  • 男性低估预期寿命的可能性比女性高63%. Remarkably, this is not how financial literacy trends among genders, where men outpace women.2
     
  • Boomers and the Silent Generation tend to have the strongest longevity knowledge, with roughly 45% of individuals (within each of these 一代s) demonstrating strong 长寿文化 versus only 30% of Gen Z and Gen Y. Given that older 一代s are closer to their retirement age (or they’ve retired already), it makes sense that they’d have a better understanding of longevity when compared to younger 一代s.2
     
  • Z世代和Y世代更有可能说他们“不知道”。 关于长寿素养. 他们也更有可能低估寿命.2
     
  • 长寿知识贫乏与退休准备不足有关. This lack of knowledge can mean that people don’t just misunderstand how long retirement could last, but they’re also lacking a strong grasp on how to draw income in retirement.2

为什么长寿知识在退休后很重要 & 金融.

A deeper understanding of your personal lifespan and how it relates to your 金融s can be vital to comprehensive 退休计划. Setting a more realistic timeline for your retirement can result in prudent planning and more reliable financial readiness, 你的退休生活应该持续20年或更长时间吗.

Longevity literacy can also help you answer other crucial questions related to life in retirement, 包括(但不限于):

  • 我能用我的退休储蓄生活多久?
     
  • 我的保证收入来源是什么?
     
  • What will it take to maintain my quality of life for decades (and accounting for inflation in the future)?
     
  • 我什么时候开始领取社会保障福利或养老金?
     
  • What kind of healthcare, long-term care, and other expenses do I need to prepare for?
     
  • 我退休后是否需要工作赚取收入? 它会是什么样子呢?
     
  • What strategies should I put in place now to set myself up for a happy, 长期退休后?

With stronger 长寿文化, any of us can improve our retirement plans. 我们也可能比现在更享受退休生活 过 可以想象的.

如何提高你的长寿素养 & 退休计划

长寿知识是长寿、有意义的退休生活的关键. 让你对退休能持续多久有个看法, 长寿文化 can foster more effective planning while offering greater peace of mind.

记住, when you’re ready to expand your 长寿文化 and retirement plans, 金融专业人士可以提供帮助.

来源:

  1. http://www.tiaa.org/content/dam/tiaa/institute/pdf/infographic/2023-08/2023-tiaa-institute-gflec-pfin-longevity-infographic.pdf
  2. http://www.tiaa.org/content/dam/tiaa/institute/pdf/insights-report/2023-01/longevity_literacy_financial_literacy_and_retirement_readiness.pdf

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