Kaw ntawm ob niam txiv laus noj tshais thiab ua daim nqi
Tshuag
Tsuas yog ib ntawm plaub tus neeg laus laus muaj tsis tau ntsib txhua yam kev tshwm sim poob siab hauv kev so haujlwm, raws li a txoj kev tshawb no los ntawm Society of Actuaries. Thiab cov xwm txheej poob siab - zoo li daim nqi kho hniav loj, piv txwv li - feem ntau tuaj nrog tus nqi poob siab ib yam nkaus. Qhov ntawd tuaj yeem nyuaj tshwj xeeb rau cov neeg laus, zoo li tsis zoo li thaum ib tus neeg ua haujlwm thiab tsim cov nyiaj them poob haujlwm tsis tu ncua, cov neeg so haujlwm yuav tsum cia siab rau lawv txoj kev npaj mus sij hawm ntev thiab teeb tsa kev faib nyiaj txhua hli.
Txoj xov zoo? Kev txhawb nqa koj cov nyiaj khaws cia tuaj yeem tiv thaiv cov xwm txheej poob siab. "Nrog cov neeg so haujlwm so haujlwm, ib qho ntawm cov khoom loj uas peb tham txog yog pes tsawg lub hlis ntawm kev faib tawm peb xav muab nyiaj ntxiv rau qhov tsis tau pom dua, lossis cov nuj nqis tsis raug," said Peter T. Palion, tus kws npaj nyiaj txiag thiab tus thawj tswj hwm ntawm Master Plan. Kws qhia ntawv hauv East Norwich, New York. (Saib cov nyiaj khaws cia zoo tshaj plaws uas koj tuaj yeem tau txais ntawm no.)
Saib xyuas cov neeg hlub
Qhov no yog ib qho kev siv nyiaj ntau tshaj plaws hauv kev so haujlwm, thiab suav nrog kev xav tau kev kho mob ntawm tus txij nkawm, niam txiv, menyuam lossis xeeb leej xeeb ntxwv, hais tias Spencer Betts, tus kws npaj nyiaj txiag tau lees paub, tus thawj coj ua raws cai thiab tus kws pab tswv yim nyiaj txiag ntawm Bickling Financial hauv Lexington, Massachusetts.
"Cov no yuav luag tsis tuaj yeem kwv yees tau, tab sis kev saib xyuas ib tus neeg xav tau kev saib xyuas mus sij hawm ntev tuaj yeem tau txais kim heev," nws hais ntxiv tias kev saib xyuas hom no kuj tseem suav nrog kev pab tus neeg hlub nrog kev quav tshuaj, kev sib nrauj, kev lag luam thiab lwm yam. nyiaj txiag tsom xav tau kev pab. "Tsis yog qhov no yuav siv nyiaj txiag nkaus xwb tab sis tuaj yeem suav nrog kev hloov chaw thiab teev thiab teev sijhawm ntawm tus kheej."
Kev saib xyuas ua rau muaj kev cuam tshuam nyiaj txiag: Piv txwv li, tus txij nkawm tus txij nkawm hnub nyoog 59 thiab 66 xyoo muaj 50% tsawg dua hauv IRA cov cuab tam, 39% tsawg dua hauv cov khoom tsis yog IRA thiab 11% tsawg dua hauv Social Security cov nyiaj tau los, nrog rau cov nyiaj tau los tsawg dua li txij nkawm. tsis yog tus neeg saib xyuas, daim ntawv qhia pom.
Tab sis kev npaj rau theem no tuaj yeem nyuaj tshwj xeeb vim yog tus nqi loj sib txawv nyob ntawm qhov xav tau, Betts hais. "Ntawm qhov pheej yig muaj kev saib xyuas yooj yim, zoo li tus kws saib xyuas neeg mob taug kev tuaj rau koj lub tsev ob peb zaug hauv ib lub lis piam thiab ua kom koj noj tshuaj thiab pab qee yam haujlwm yooj yim. Nyob rau sab kim dua yog Alzheimer units uas muab ib ncig ntawm lub moos saib xyuas cov neeg laus. "
Thawj kauj ruam thaum nws los txog rau kev npaj rau theem ntawm lub neej no yog "saib koj tsev neeg keeb kwm kev noj qab haus huv," Betts hais. Ntxiv rau kev txiav txim siab txog kev tuav pov hwm mus sij hawm ntev, nws hais tias nws tseem yuav tsum tau tshawb xyuas "tus nqi saib xyuas nyob ze qhov chaw koj nyob lossis qhov chaw koj xav so," vim qhov ntawd tuaj yeem "hloov ntau raws li koj qhov chaw nyob."
Saib cov nyiaj khaws cia zoo tshaj plaws uas koj tuaj yeem tau txais ntawm no.
Cov nqi kho mob
Cov khub niam txiv uas muaj hnub nyoog 65 xyoos lossis laus dua tuaj yeem xav tias yuav siv li ntawm $ 315,000 tom qab cov nyiaj se rau kev noj qab haus huv thiab kev kho mob thoob plaws hauv cov nyiaj laus, txoj kev tshawb no los ntawm Fidelity pom.
Qhov ntawd tau hais tias, nws yuav tsum tsis txhob xav tsis thoob tias ze li ib feem tsib ntawm cov neeg so haujlwm hais tias lawv xav tsis thoob los ntawm cov nqi kho mob thiab cov nqi sau tshuaj, raws li Society of Actuaries qhia. "Qhov no tsis suav nrog yog tias tus neeg siv khoom xav txav mus rau qee yam kev pab cuam nyob qhov twg lawv tuaj yeem muaj ib tus neeg ua noj rau lawv lossis muaj tus kws saib xyuas neeg mob uas kuaj xyuas lawv," raws li Christopher Lyman, tus kws pab tswv yim nyiaj txiag ntawm Allied Financial Advisors hauv Newtown, Pennsylvania.
Tau qhov twg los: 2015 Society of Actuaries 'Survey of Post-Retirement Risk and the Process of Retirement
A daim ntawv qhia los ntawm RBC Kev Tswj Xyuas Nyiaj Txiag pom tias cov neeg muaj hnub nyoog 65 xyoo muaj kev noj qab haus huv tuaj yeem cia siab tias yuav muaj ib hnub siv ntau npaum li $ 100,000-ib xyoos rau cov nqi mus sij hawm ntev, uas suav nrog cov tsev laus, kev saib xyuas hauv tsev lossis kev xaiv hybrid.
Lyman hais tias qhov tseem ceeb ntawm kev npaj rau kev so haujlwm yog qhov ua rau koj noj qab haus huv thiab koj lub neej zoo. Koj yuav tsum tau suav nyiaj ntxiv rau cov kws kho mob tshwj xeeb thiab tshuaj noj hauv koj cov xyoo laus, nws hais.
Kev kho tsev
Nyob ib ncig ntawm 76% ntawm cov neeg muaj hnub nyoog 65 txog 79 xyoo, thiab 68% ntawm cov hnub nyoog tshaj 80 xyoo tam sim no nyob hauv ib tsev neeg, raws li kev tshawb fawb. daim ntawv qhia los ntawm Joint Center For Housing Studies ntawm Harvard University. Tsis tas li ntawd, ze li peb feem peb ntawm cov neeg 50 thiab laus dua hais tias lawv xav nyob hauv lawv lub tsev tam sim no thaum lawv muaj hnub nyoog, raws li AARP txoj kev tshawb no.
Nrog rau qhov no ntau tus neeg laus muaj thiab nyob hauv lawv lub tsev, Lub Koom Haum ntawm Actuaries tau tshaj tawm pom tias 28% yuav muaj ib hnub ntsib kev kho tsis tau xav txog lossis raug hloov kho tsev loj hauv cov nyiaj laus. Daim ntawv tshaj tawm kuj pom tias 16% ntawm cov neeg so haujlwm tau hais tias lawv xav tsis thoob los ntawm lawv cov nqi tsev poob ntau dua 25%.
Thaum nws los txog rau kev npaj kho tsev hauv kev so haujlwm, txawm li cas los xij, Palion ib txwm ceeb toom nws cov neeg siv khoom tias cov nqi no raug khi rau ib hnub. "Yog tias koj ua tag nrho cov khoom hauv tsev thaum koj tsis nyob hauv cov nyiaj laus, koj paub tias cov khoom tawg mus ib ntus thiab yuav tsum tau kho, xws li koj lub tshuab ntxhua khaub ncaws lossis lub rhaub dej kub, lossis lub ru tsev lossis txhua yam nws yuav yog. ”
HELOCs lossis qiv nyiaj hauv tsev thiab qiv nyiaj rov qab tsuas yog qee qhov kev xaiv uas koj yuav tsum tau tawm tsam cov nuj nqis uas tsis tau pom dua.
Betts hais tias thaum npaj rau nws cov neeg siv nyiaj so haujlwm, nws yog ib qho tseem ceeb kom muaj ntau tshaj li ib qhov nyiaj tau los los pab cuam tshuam cov nuj nqis uas tsis tau pom dua txog kev kho tsev. "Yog tias qhov kev siv nyiaj tsis txaus siab tshwm sim, peb muaj ob qhov nyiaj tau los ntxiv uas cia siab tias yuav tsis cuam tshuam lawv cov phiaj xwm so haujlwm."
Saib cov nyiaj khaws cia zoo tshaj plaws uas koj tuaj yeem tau txais ntawm no.
Kev kho hniav
Raws li cov kev siv nyiaj npaj txhij mus, kev ua haujlwm kho hniav loj nyob ze rau sab saum toj nrog 24% ntawm cov neeg so haujlwm hais tias lawv xav tsis thoob nrog cov nyiaj uas lawv yuav tsum tau siv nyiaj laus, raws li Lub Koom Haum ntawm Actuaries qhia.
Feem ntau cov neeg laus tuaj yeem cia siab tias yuav siv ntau dua $ 20,000 hauv cov nqi kho hniav thiab ntau dua $ 12,000 ntawm cov nqi sib koom los ntawm hnub nyoog 65 xyoo 2022 txog hnub nyoog 87 xyoo, raws li kev tshawb fawb ntawm HealthView Insights. Thiab thaum Medicare npog qee yam, HealthView Services Ron Thawj Tswj Hwm Mastrogiovanni tau hais tias nws "tsis them nyiaj kho hniav rau tej yam xws li txhaws lossis rub tus hniav, thiab yog vim li cas tib neeg yuav tsum xav txog kev pab kho hniav."
Txhawm rau kom tsis txhob muaj kev ntxhov siab thiab kev npaj zoo dua rau cov nuj nqis no hauv cov nyiaj laus, Palion hais kom tawm ntawm kev kwv yees ib sab thiab xav tias koj yuav tau siv nyiaj ntawm koj cov hniav hauv cov nyiaj laus.
"Tus nqi ntawm kev kho hniav cuam tshuam rau txhua tus," nws hais. “Txhua tus neeg muaj cov hniav yog li nws xav tau tiag tiag thaum koj xav tau qee qhov kev kho hniav? Tshwj tsis yog tias koj muaj qee qhov cog koj yuav xav tau qee qhov kev kho hniav. "
Pab cov menyuam laus
Ntau li 52% ntawm cov tub ntxhais hluas hnub no, txij li hnub nyoog 18 txog 29 xyoos, nyob nrog lawv niam lawv txiv, qhia los ntawm Securian. Qhov ntawd yog ze li ob zaug ntau li ntau tau ua nyob rau tib lub hnub nyoog hauv xyoo 1960.
Vim li cas thiaj nyuaj rau qhov no rau kev npaj nyiaj laus? Tom Balcom, CFP thiab tus tsim ntawm 1650 Kev Tswj Nyiaj Txiag hauv Fort Lauderdale, Florida tau hais tias "Peb tsis tuaj yeem ua qauv nyiaj txiag cov nuj nqis thiab lawv feem ntau tshwm sim thaum lub sijhawm tsis tsim nyog xws li thaum muaj kev poob nyiaj txiag,"
Puas muaj ib yam dab tsi uas tuaj yeem ua tau los ua kom muaj peev xwm siv nyiaj rau hauv koj txoj kev npaj txuag nyiaj mus sij hawm ntev? Balcom hais tias nws lub tuam txhab pom zoo ua haujlwm nrog cov menyuam yaus hauv kev tsim lawv tus kheej cov peev nyiaj thiab xyuas kom lawv tsis txhob siv nyiaj ntau dhau lawv txoj kev. Nws tau hais tias "Kuv feem ntau hu qhov kev hlub nyiaj txiag nyuaj," nws hais. "Yog tias koj ua tau $ 50,000-ib xyoos, koj tsis tuaj yeem siv $ 2,000-ib hlis ntawm kev xauj tsev."
Balcom lub tuam txhab tseem qhia nws cov neeg siv khoom khaws cia txog li rau lub hlis ntawm cov nyiaj qiv nyiaj ntxiv rau cov nyiaj laus. "Nrog ib tug xov tooj ntawm hedged peev, peb cov neeg muas zaub yeej ib txwm yuav muaj ib yam dab tsi uas tau txaus siab rau, yog li qhov yuav qis, muag siab lub tswv yim yuav tsum ib txwm ua hauj lwm."
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Source: https://www.marketwatch.com/picks/1-in-5-retirees-dont-see-this-expense-coming-or-its-315-000-pricetag-01664824517?siteid=yhoof2&yptr=yahoo