Ib tus neeg yuav khoom ntawm lub khw muag khoom noj hauv San Francisco thaum Lub Tsib Hlis 2, 2022.
David Paul Morris | Bloomberg | Getty Images
Kev nce nqi yog qhov kev txhawj xeeb loj zuj zus raws li Asmeskas siv ntau pua ntxiv txhua lub hlis. Tab sis qee cov neeg so haujlwm tuaj yeem zam qhov tsis txaus siab ntawm tus nqi nce nqi rau roj av, khoom noj thiab lwm yam nqi.
Kev nce nqi txhua xyoo tau nce 8.3% hauv lub Plaub Hlis, hovering nyob ze 40-xyoo siab, raws li US Department of Labor.
Ntau tshaj li ib nrab ntawm cov neeg Amelikas xav tias yuav nce cov nuj nqis kom muaj "kev cuam tshuam loj" ntawm cov hom phiaj nyiaj txiag mus sij hawm ntev, xws li so kom txaus.
Ntxiv ntawm Nyiaj Txiag:
Yuav ua li cas xam koj tus kheej tus nqi nce nqi
Kev nce nqi sai npaum li cas txo kev yuav lub zog? Ib qho yooj yim qhia
Dab tsi cov neeg siv khoom npaj yuav txiav rov qab yog tias cov nqi nce ntxiv
Tab sis kev siv nyiaj hloov pauv thoob plaws tib neeg lub xyoo kub tuaj yeem txo qhov cuam tshuam ntawm qee tus nqi nce, raws li JP Morgan's 2022 Phau Ntawv Qhia Txog Nyiaj Laus.
Katherine Roy, tus thawj saib xyuas nyiaj laus ntawm JP Morgan tau hais tias, "Nws tau txais qis dua cov lus tshaj tawm," piav qhia tias pob tawb ntawm cov neeg so haujlwm yuav khoom yuav hloov mus li cas.
Txawm hais tias cov nqi roj av tau nce mus rau lwm cov ntaub ntawv siab tshaj lub lim tiam no, cov tsev neeg laus nyiam siv tsheb thauj mus los tsawg dua cov tsev neeg muaj hnub nyoog 35 txog 44 xyoos, ua rau lawv tsis muaj zog, daim ntawv tshaj tawm pom.
Thiab qee cov neeg so haujlwm yuav muaj qhov yooj yim los yuav cov roj tsawg los ntawm kev sib txuas mus ncig lossis sib koom caij tsheb, hais tias Catherine Valega, tus kws pab tswv yim nyiaj txiag ntawm Green Bee Advisory hauv cheeb tsam Boston ntau dua.
"Kuv tsis xav tias peb yuav tsum ntshai," hais ntxiv Valega, piav qhia txog yuav ua li cas hloov tus nqi yuav muaj sijhawm los rov mus xyuas cov peev nyiaj thiab cov phiaj xwm mus sij hawm ntev.
Thaum JP Morgan qhia txog kev siv cov kab sib cais rau kev nce nqi ntawm kev saib xyuas kev noj qab haus huv, nrog rau 6% kev loj hlob, lwm yam kev siv nyiaj tsuas yog nce los ntawm 1.5% mus rau 2% txhua xyoo, Roy tau hais.
Yog tias koj rub tawm kev saib xyuas kev noj qab haus huv, cov neeg so haujlwm yuav siv tsawg dua hauv cov ntsiab lus tiag tiag kom txog thaum muaj hnub nyoog 80 xyoo ntawm lwm pawg, nws hais.
Cov kev tshawb pom no sib haum nrog a Kev txheeb xyuas SmartAsset qhia txog kev siv nyiaj laus poob qis hauv 11 ntawm 14 pawg tseem ceeb pom nyob rau hauv US Bureau of Labor Statistics Consumer Expenditure Survey.
Txawm hais tias kev nce nqi ntawm kev saib xyuas kev noj qab haus huv yog ib qho kev txhawj xeeb, nws tsis txaus los cuam tshuam qhov txo qis ntawm cov neeg so haujlwm kev siv nyiaj hauv vaj tse, zaub mov thiab kev thauj mus los, hais tias CFP Anthony Watson, tus tsim thiab tus thawj tswj hwm ntawm Thrive Retirement Specialists hauv Dearborn, Michigan.
Nws tau hais tias "Rau feem ntau ntawm cov tib neeg, lwm cov nuj nqis nqis mus dhau sijhawm," nws hais.
Rau feem coob ntawm cov neeg, lwm cov nuj nqis nqis mus dhau sijhawm.
Anthony Watson
Founder thiab tus thawj tswj hwm ntawm Thrive Retirement Specialists
Tau kawg, cov nqi nce tam sim no yuav nyuaj tshaj plaws ntawm cov tsev neeg tau nyiaj tsawg tshaj plaws, uas zoo li yuav muaj kev nce nqi ntau dua, raws li kev lag luam. daim ntawv ua haujlwm los ntawm National Bureau of Economic Research.
Txawm li cas los xij, nws yog ib qho tseem ceeb rau cov neeg so haujlwm kom muaj kev xav mus sij hawm ntev thaum nws los txog kev nce nqi, JP Morgan tsab ntawv ceeb toom sib cav.
Watson tau hais tias "Nws tsuas yog lub ntsiab lus hauv lub sijhawm thiab qhov tseem ceeb yog qhov nruab nrab," Watson hais.
"Yog lawm, peb tab tom muaj kev nce nqi siab tam sim no," Roy ntxiv. "Tab sis peb tau tawm ntawm lub sijhawm tsis tshua muaj keeb kwm rau lub sijhawm ntev heev."
Tau qhov twg los: https://www.cnbc.com/2022/05/13/heres-why-inflation-may-be-less-costly-for-some-retirees.html