{"id":7031,"date":"2022-10-25T14:56:18","date_gmt":"2022-10-25T14:56:18","guid":{"rendered":"https:\/\/quomarkets.com\/?p=7031"},"modified":"2023-09-12T05:20:31","modified_gmt":"2023-09-12T05:20:31","slug":"how-much-do-i-need-to-retire","status":"publish","type":"post","link":"https:\/\/www.quomarkets.com\/zh_cn\/%e6%8a%95%e8%b5%84%e5%9f%ba%e7%a1%80\/retirements\/%e6%88%91%e9%9c%80%e8%a6%81%e5%a4%9a%e5%b0%91%e9%92%b1%e6%89%8d%e8%83%bd%e9%80%80%e4%bc%91\/","title":{"rendered":"\u6211\u9700\u8981\u591a\u5c11\u94b1\u624d\u80fd\u9000\u4f11\uff1f"},"content":{"rendered":"<p><b><span data-contrast=\"none\">\u5927\u591a\u6570\u5de5\u4eba\uff0c\u5c24\u5176\u662f\u90a3\u4e9b\u5373\u5c06\u9000\u4f11\u7684\u5de5\u4eba\uff0c\u6700\u5e38\u5173\u5fc3\u7684\u95ee\u9898\u4e4b\u4e00\u662f\u4ed6\u4eec\u9700\u8981\u591a\u5c11\u94b1\u3002\u95ee\u9898\u5f88\u660e\u663e\uff1a\u6211\u9700\u8981\u7ef4\u6301\u6211\u7684\u8d2d\u4e70\u529b\uff0c\u8fd8\u662f\u7a0d\u5fae\u4f4e\u4e00\u70b9\u7684\u6708\u6536\u5165\u5c31\u591f\u4e86\uff1f<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u7136\u800c\uff0c\u7b54\u6848\u5e76\u4e0d\u5b8c\u5168\u4e00\u6837\u3002\u663e\u7136\uff0c\u6bcf\u4e2a\u4eba\u90fd\u662f\u4e0d\u540c\u7684\u3002\u8003\u8651\u9000\u4f11\u540e\u7684\u6536\u5165\u53d6\u51b3\u4e8e\u4e2a\u4eba\u60c5\u51b5\u3001\u9700\u6c42\u548c\u751f\u6d3b\u6c34\u5e73\u3002\u6211\u4eec\u503e\u5411\u4e8e\u8ba4\u4e3a\u9000\u4f11\u540e\u7684\u751f\u6d3b\u4f1a\u66f4\u5b89\u9759\uff0c\u5f00\u652f\u4e5f\u4f1a\u66f4\u4f4e\u3002\u4f46\u60c5\u51b5\u5e76\u975e\u603b\u662f\u5982\u6b64\u3002\u6211\u4eec\u82b1\u66f4\u591a\u7684\u7a7a\u95f2\u65f6\u95f4\uff0c\u6211\u4eec\u7684\u5065\u5eb7\u4e5f\u66f4\u8106\u5f31\uff1b\u56e0\u6b64\uff0c\u8fd9\u4e9b\u5f00\u652f\u6709\u65f6\u4f1a\u5927\u5e45\u589e\u52a0\u3002\u65e0\u8bba\u5982\u4f55\uff0c\u4e00\u7cfb\u5217\u56e0\u7d20\u4ee5\u540c\u6837\u7684\u65b9\u5f0f\u5f71\u54cd\u7740\u6240\u6709\u5de5\u4eba\uff0c\u56e0\u6b64\u51b3\u5b9a\u4e86\u4eba\u4eec\u672a\u6765\u7684\u9000\u4f11\u751f\u6d3b\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">\u517b\u8001\u91d1\u6570\u989d\u4f4e\u4e8e\u6211\u4eec\u4e0a\u4e00\u4efd\u5de5\u8d44<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u9000\u4f11\u91d1\u5c06\u4f4e\u4e8e\u5de5\u4eba\u7684\u4e0a\u4e00\u4efd\u5de5\u8d44\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u9996\u5148\u8981\u8003\u8651\u7684\u662f\uff0c\u6211\u4eec\u7684\u516c\u5171\u517b\u8001\u91d1\u6570\u989d\u5c06\u4f4e\u4e8e\u4e0a\u4e00\u4efd\u5de5\u8d44\u3002\u8fd9\u4e0e\u8bb8\u591a\u9000\u4f11\u65f6\u6ca1\u6709\u50a8\u84c4\u6765\u8865\u5145\u517b\u8001\u91d1\u7684\u4eba\u7684\u73b0\u5b9e\u5f62\u6210\u4e86\u9c9c\u660e\u5bf9\u6bd4\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u6b27\u6d32\u666e\u901a\u5de5\u4eba\u9700\u8981\u50a8\u84c4\u4e00\u5b9a\u6570\u989d\u7684\u8d44\u672c\u3002\u5982\u679c\u4ed6\u4eec\u5e0c\u671b\u4fdd\u6301\u4e0e\u5de5\u4f5c\u524d\u51e0\u5e74\u76f8\u540c\u7684\u8d2d\u4e70\u529b\uff0c\u8fd9\u5c06\u4f7f\u4ed6\u4eec\u83b7\u5f97\u989d\u5916\u6536\u5165\u3002\u6b64\u5916\uff0c\u8fd9\u7b14\u8d44\u672c\u7684\u6570\u989d\u5c06\u53d6\u51b3\u4e8e\u6211\u4eec\u9000\u4f11\u65f6\u7684\u9884\u671f\u5bff\u547d\u3002\u4f8b\u5982\uff0c\u636e\u4f30\u8ba1\uff0c\u5fb7\u56fd\u7684\u9884\u671f\u5bff\u547d\u7ea6\u4e3a 83 \u5c81\uff0c\u9884\u8ba1\u5230 2040 \u5e74\u5c06\u8fbe\u5230 86 \u5c81\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">\u901a\u8d27\u81a8\u80c0\u662f\u5f71\u54cd\u6211\u4eec\u672a\u6765\u517b\u8001\u91d1\u7684\u65e0\u5f62\u56e0\u7d20<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u4e00\u4e2a\u56fd\u5bb6\u666e\u904d\u7684\u7269\u4ef7\u4e0a\u6da8\u662f\u4e00\u4e2a\u770b\u4e0d\u89c1\u7684\u56e0\u7d20\u3002\u4f46\u4ece\u957f\u8fdc\u6765\u770b\uff0c\u5b83\u5bf9\u6211\u4eec\u7684\u8d27\u5e01\u4ef7\u503c\u6709\u91cd\u5927\u5f71\u54cd\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u6211\u4eec\u5fc5\u987b\u8003\u8651\u901a\u8d27\u81a8\u80c0\u5bf9\u6211\u4eec\u672a\u6765\u517b\u8001\u91d1\u7684\u5f71\u54cd\uff0c\u7279\u522b\u662f\u5982\u679c\u90a3\u4e00\u5929\u8fd8\u5f88\u9065\u8fdc\u7684\u8bdd\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u901a\u8d27\u81a8\u80c0\u7387\u53ef\u80fd\u9010\u5e74\u5448\u6307\u6570\u589e\u957f\u3002\u56e0\u6b64\uff0c\u6211\u4eec\u5fc5\u987b\u610f\u8bc6\u5230\uff0c\u6211\u4eec\u5bf9\u517b\u8001\u91d1\u8ba1\u5212\u6216\u5176\u4ed6\u50a8\u84c4\u5de5\u5177\u7684\u8d21\u732e\u5fc5\u987b\u6709\u5e74\u5ea6\u56de\u62a5\u3002\u5982\u679c\u6211\u4eec\u60f3\u4fdd\u6301\u76f8\u540c\u7684\u8d2d\u4e70\u529b\uff0c\u8fd9\u5c31\u7b49\u4e8e\u901a\u8d27\u81a8\u80c0\u6c34\u5e73\u3002\u4f8b\u5982\uff0c\u5728\u5e73\u5747\u5e74\u901a\u8d27\u81a8\u80c0\u7387\u4e3a 2% \u7684\u60c5\u51b5\u4e0b\uff0c\u6211\u4eec\u5c06\u9700\u8981\u5728 30 \u5e74\u540e\u6295\u5165 1,811.3 \u6b27\u5143\u624d\u80fd\u7ef4\u6301\u4e0e\u4eca\u5929 1,000 \u6b27\u5143\u76f8\u540c\u7684\u8d2d\u4e70\u529b\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">\u6211\u4eec\u80fd\u51c6\u786e\u77e5\u9053\u9700\u8981\u591a\u5c11\u94b1\u5417\uff1f<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u4e00\u4e2a\u4eba\u9000\u4f11\u540e\u9700\u8981\u591a\u5c11\u94b1\u53d6\u51b3\u4e8e\u4ed6\u81ea\u5df1\u7684\u60c5\u51b5\u3002\u6839\u636e\u7f8e\u56fd\u94f6\u884c\u7f8e\u6797\u8bc1\u5238\u7684\u7814\u7a76\uff0c\u9000\u4f11\u524d70%\u7684\u6536\u5165\u5e94\u8be5\u8db3\u4ee5\u7ef4\u6301\u4ee5\u524d\u7684\u751f\u6d3b\u6c34\u5e73\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u5fb7\u610f\u5fd7\u94f6\u884c\u5219\u66f4\u8fdb\u4e00\u6b65\u3002\u4f30\u8ba1\u4e00\u4e2a\u4eba\u9000\u4f11\u540e\u7ef4\u6301\u8fd9\u4e00\u751f\u6d3b\u6c34\u5e73\u6240\u9700\u7684\u5e73\u5747\u50a8\u84c4\u989d\u4e3a 10 \u4e07\u6b27\u5143\uff0c\u5e76\u5728\u5176\u5269\u4f59\u65f6\u95f4\u5185\uff08\u8003\u8651\u5230\u81f3\u5c11\u8fd8\u6709 20 \u5e74\u7684\u9884\u671f\u5bff\u547d\uff09\u4f7f\u7528\u8fd9\u4e9b\u8d44\u91d1\u3002\u867d\u7136\u6ca1\u6709\u7cbe\u786e\u7684\u516c\u5f0f\uff0c\u4f46\u6709\u51e0\u79cd\u65b9\u6cd5\u53ef\u4ee5\u7c97\u7565\u5730\u8ba1\u7b97\u51fa\u8fd9\u4e00\u6536\u5165\u3002\u6700\u7b80\u5355\u7684\u65b9\u6cd5\u4e4b\u4e00\u662f\u6309\u7167\u4ee5\u4e0b\u6b65\u9aa4\u64cd\u4f5c\uff1a<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"65\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">\u5c06\u7ef4\u6301\u5f53\u524d\u751f\u6d3b\u6c34\u5e73\u6240\u9700\u7684\u6bcf\u6708\u5f00\u652f\u4e58\u4ee5 12\uff08\u4f8b\u5982\uff0c900 \u6b27\u5143 x 12 = 10,800 \u6b27\u5143\uff09\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"65\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">\u8ba1\u7b97\u60a8\u6536\u5230\u7684\u793e\u4f1a\u4fdd\u969c\u517b\u8001\u91d1\u91d1\u989d\uff08\u4f8b\u5982\uff0c600 \u6b27\u5143 x 12 = 7,200 \u6b27\u5143\uff09\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"65\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">\u7528\u7b2c\u4e8c\u4e2a\u91d1\u989d\u51cf\u53bb\u7b2c\u4e00\u4e2a\u91d1\u989d\uff0810,800 - 7,200 = 3,600 \u6b27\u5143\uff09\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"65\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">\u5e76\u5c06\u8be5\u91d1\u989d\u4e58\u4ee5\u6211\u4eec\u4ece\u9000\u4f11\u65f6\u8d77\u9884\u8ba1\u7684\u9884\u671f\u5bff\u547d\uff083,600 x 20 = 72,000 \u6b27\u5143\uff09\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u8fd9\u662f\u4e00\u4e2a\u5927\u6982\u7684\u6570\u5b57\uff0c\u56e0\u4e3a\u5f88\u591a\u8d39\u7528\u6211\u4eec\u4e0d\u518d\u9700\u8981\u627f\u62c5\uff0c\u6bd4\u5982\u629a\u517b\u5b69\u5b50\u6216\u4e0a\u4e0b\u73ed\u901a\u52e4\u3002\u8fd9\u79cd\u65b0\u7684\u4e2a\u4eba\u60c5\u51b5\u610f\u5473\u7740\uff0c\u6211\u4eec\u4e0d\u9700\u8981\u4fdd\u7559\u76f8\u540c\u7684\u91d1\u989d\u6765\u83b7\u5f97\u7c7b\u4f3c\u7684\u751f\u6d3b\u6c34\u5e73\u3002\u56e0\u6b64\uff0c\u6bcf\u4e2a\u4eba\u90fd\u9700\u8981\u8bb0\u4f4f\u4e0a\u8ff0\u524d\u63d0\uff0c\u7136\u540e\u5f00\u59cb\u50a8\u84c4\u3002<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/my.quomarkets.com\/register?regnew=8e66d8f915c6ad91ec5266dffd05c9a6\"><picture><source srcset=\"https:\/\/www.quomarkets.com\/wp-content\/uploads\/2023\/06\/QuoMarkets-CTA-banner_mobile-1.png\" media=\"(max-width: 767px)\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7599\" src=\"https:\/\/www.quomarkets.com\/wp-content\/uploads\/2023\/06\/QuoMarkets-CTA-banner_desktop-1.png\" alt=\"\" width=\"1440\" height=\"416\" \/><\/picture><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>One of the most common concerns of most workers, especially those approaching retirement, is how much money they will need. The question is obvious: Will I need to maintain my purchasing power, or will a slightly lower monthly income suffice?\u00a0 \u00a0 The answer, however, is not the same in every case. Obviously, each person is 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