Planejamento de renda de aposentadoria?
Estas não são perguntas fáceis de responder porque os dados da equação dependem muito da situação atual e futura do indivíduo. Uma orientação geral é que você deve economizar 25 vezes o seu salário atual quando se aposentar. Outra é que você deve retirar apenas 4% de seus ativos a cada ano na aposentadoria.
- Operando sem objetivo. ...
- Procrastinando. ...
- Aproximando-se da aposentadoria com custos residenciais descomunais. ...
- Não saber se você tem correspondência com o empregador. ...
- Escolhendo a estratégia tributária errada. ...
- Negligenciar a consolidação de suas contas. ...
- Colocando seus filhos antes da aposentadoria.
Para ir direto ao ponto, se você deseja que seus juros ganhem $ 50.000, $ 70.000 ou $ 100.000 por ano, você precisará ter aproximadamenteUS$ 1,25 milhão a US$ 2,5 milhõesem contas de poupança ou de aposentadoria. Se seu objetivo é algo intermediário, como US$ 70.000, você gostaria de economizar US$ 1,75 milhão.
A regra dos 4%: uma fórmula simples para um cálculo complexo
De acordo com essa regra, você precisaria de um pé-de-meia de US$ 1,25 milhão para uma renda anual de aposentadoria de US$ 50.000. Para gerar US$ 75.000 por ano na aposentadoria, você precisaria de poupanças para aposentadoria deUS$ 1,875 milhãousando a regra dos 4%.
Seguindo o exemplo de US$ 80.000, isso significa que você precisa de uma renda adicional de US$ 50.000 por ano. Supondo uma taxa de inflação de 4% e uma taxa conservadora de retorno após impostos de 5%, você deve ter como meta uma meta de poupança deUS$ 1,3 milhãopara financiar uma aposentadoria de 30 anos que começa aos 67 anos.
1)Não mudar o estilo de vida após a aposentadoria
Um dos maiores erros que os aposentados cometem é não ajustar suas despesas ao novo orçamento na aposentadoria.
Avaliando o corpus de aposentadoriater em conta a taxa de inflação, escolher as soluções de reforma adequadas, aumentar o investimento com o aumento dos rendimentos, rever os planos e manter-se investido por mais tempo são cinco regras de ouro para manter os seus planos de reforma no bom caminho.
Taxa de retirada segura
Usando nosso portfólio de US$ 400.000 e a taxa de retirada de 4%, você poderia sacar US$ 16.000 anualmente de suas contas de aposentadoria e esperar que seu dinheiro dure por muito tempo.pelo menos 30 anos. Se, digamos, seus cheques da Previdência Social forem de US$ 2.000 mensais, você terá uma renda anual combinada na aposentadoria de US$ 40.000.
Idade | Saldo médio da conta | Saldo médio da conta |
---|---|---|
35-44 | US$ 76.354 | US$ 28.318 |
45-54 | US$ 142.069 | US$ 48.301 |
55-64 | US$ 207.874 | US$ 71.168 |
65+ | US$ 232.710 | US$ 70.620 |
Em 2024, os benefícios médios da segurança social para todos os trabalhadores reformados aumentarão de 1.848 dólares em 2023 para 1.097 dólares. Cubra o valor com economias 401 (k),viver com US$ 3.000 por mês após os impostos é possível para um aposentado.
O que é uma boa renda mensal de aposentadoria?
“Setenta a 80% da renda de pré-aposentadoriaé bom almejar”, diz Ben Bakkum, pesquisador de investimentos da empresa financeira Betterment. Mas acrescenta que há outras variáveis a considerar, como a inflação, as recessões do mercado e as mudanças nos padrões de despesa. “Algumas pessoas viajam mais após a aposentadoria”, diz ele.
A média nacional de poupanças para a reforma varia consoante a idade, mas de acordo com o Instituto de Política Económica, a poupança média para a reforma para todos os agregados familiares em idade ativa nos EUA é de cerca de 95.776 dólares. Este número inclui contas de aposentadoria patrocinadas pelo empregador e contas de aposentadoria individuais (IRAs).
A regra dos 80%: Alguns especialistas citam a “regra dos 80%” do planejamento da aposentadoria, que afirma que você deve planejar viver com 80% de sua renda pré-aposentadoria para manter um estilo de vida semelhante. Portanto, se você ganha US$ 100.000 por ano, deve almejar uma renda de aposentadoria na faixa de$ 80.000 por ano.
Resumo. US$ 300.000 podem durar cerca de 26 anos se seu gasto médio mensal for de cerca de US$ 1.600.Os benefícios da Previdência Social ajudam a aumentar sua renda de aposentadoria e tornam a aposentadoria com US$ 300 mil ainda mais acessível. Muitas vezes, é recomendado ter de 10 a 12 vezes sua renda atual em poupança quando você se aposentar.
Ainda assim, o seu benefício inicial da Segurança Social é maior. É assim que o governo incentiva as pessoas a adiarem o início dos seus benefícios. Aqui está o benefício inicial para cada uma dessas mesmas rendas anuais finais, se você esperar até os 70 anos: Pagamento final de $ 80.000: benefício de$ 2.433 mensais, $ 29.196 anuais.
- Um plano financeiro vago.
- Sem metas de aposentadoria.
- Contando com emprego de longo prazo.
- Perder contato com filhos adultos.
- Experimentando as desvantagens da aposentadoria antecipada.
- Não focar no que realmente importa.
- Deixar de adotar um ritmo mais lento.
- Não começar uma carreira de segundo ato antes.
Neste momento, a idade média para os homens se aposentarem é65enquanto a idade média para as mulheres se reformarem é de 63 anos. Embora muitas pessoas digam que trabalharão o máximo que puderem, outras reformam-se mais cedo do que o esperado.
Siga a regra dos 3% para uma aposentadoria média
Se você está bastante confiante de que não ficará sem dinheiro, comeceretirando 3% do seu portfólio anualmente. Ajuste com base na inflação, mas fique de olho no mercado também.
Um plano de aposentadoria 80/20 é um tipo de plano de aposentadoria em que você divide suas poupanças/investimentos para aposentadoria em uma proporção de 80 a 20 por cento, com 80% representando investimentos de baixo risco e 20% representando ações de alto crescimento.
Saiba mais: uma análise mais detalhada de 6 regras financeiras comuns)Para uma carteira de aposentadoria que ganha pelo menos 6% ao ano, essa estratégia garantiria que os reformados apenas gastariam os seus juros, deixando o seu capital intacto – uma forma infalível (em teoria) de preservar activos.
Qual é a 4 regra prática para a aposentadoria?
A regra dos 4% é uma estratégia popular de retirada de aposentadoria que sugereos aposentados podem sacar com segurança o valor igual a 4% de suas economias durante o ano em que se aposentam e depois ajustar a inflação a cada ano subsequente durante 30 anos.
Enquantoaposentar-se com $ 400.000 é possível e acima da poupança média para a aposentadoria, você pode precisar ajustar suas expectativas de estilo de vida se este for o valor final da aposentadoria. Se você quiser se aposentar mais cedo, US$ 400.000 pode ser um número difícil de aumentar.
Você precisaria economizarpelo menos US$ 480.000antes da aposentadoria se você quiser $ 2.000 por mês.
Sim, é possível se aposentar confortavelmente com US$ 500 mil. Esse valor permite um saque anual de US$ 20.000 dos 60 aos 85 anos, abrangendo 25 anos. Se US$ 20.000 por ano, ou US$ 1.667 por mês, atendem às suas necessidades de estilo de vida, então US$ 500 mil são suficientes para sua aposentadoria.
Se você adiar o recebimento dos seus benefícios desde a idade de aposentadoria completa até os 70 anos, o valor do seu benefício aumentará. Se você começar a receber benefícios antecipadamente, seus benefícios serão reduzidos em uma pequena porcentagem para cada mês antes de sua idade de aposentadoria completa.
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