星洲日報／投資致富‧企業故事
退休理想花费知多少？
2017-10-15 19:22
你有试想过退休后，每个月的理想花费是多少吗？
你有试想过退休后，每个月的理想花费是多少吗？
56%认为退休后花费
占薪资50%
根据今年的摩根退休快乐指数c调查，台湾工作民众认为退休后的花费，平均约占退休前薪资的46%，整体而言，近60%（55.5%）民众自评，退休后随着物质需求降低，每个月的花费只需要目前薪资的50%以下，仅有不到20%（18%）民众预估自己的退休后每月花费，会需要超过目前薪资的60%。
这项统计显示，台湾工作民众平均月收入为4万7873元（新台币，下同），以50%所得替代率来计算，约2万4000元。
事实上，退休后已经有如老年医疗与照护等基本开销，若加上每年通膨、外加退休后想实现第二人生梦想，例如出国旅游、实现兴趣、持续进修等，都需要额外的资金支持。
如果评估退休后花费仅约退休前薪资的50%，则可能无法满足退休后的生活要求和所有梦想，势必要有所取舍。
摩根投信执行董事刘玲君表示，准备退休资金对很多人而言，不是想得太难，就是过度简化了。
文章来源：
星洲日报‧投资致富‧万花筒‧2017.10.15http://www.sinchew.com.my/node/1691715/退休理想花费知多少？
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