女性如何为退休做准备
当我们的父母退休时, 活到75岁是一种美好的长寿, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today's average 67-year-old woman will live to age 88. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1
你为20年的退休生活做好准备了吗?
30年甚至40年的退休生活怎么样? Don't laugh; it could happen. The Society of Actuaries predicts that an average healthy woman that reaches age 65 has a 48% chance of living past 90, 活到95岁以上的几率为26%.2
以好问题开始
How can you draw retirement income from what you've saved? How might you create other income streams to complement Social Security? And what are some ways you can protect your retirement savings and other financial assets?
聘请金融专业人士
合适的人可以给你一些好主意, especially one who understands the challenges women face in saving for retirement. These may include income inequality or time out of the workforce due to childcare or eldercare. It could also mean helping you maintain financial equilibrium in the wake of divorce or the death of a spouse.
AG捕鱼王新版app下载战略
如果你已经50多岁了, you have less time to make back any big investment losses than you once did. 所以，保护你所拥有的可能是当务之急. 同时, the possibility of a retirement lasting up to 30 or 40 years will require a good understanding of your risk tolerance and overall goals.
考虑延长医疗AG捕鱼王在线app下载
Women have longer average life expectancies than men and may require significant periods of eldercare. 医疗AG捕鱼王在线app下载 is no substitute for extended care insurance; it only covers a few weeks of nursing home care, and that may only apply under special circumstances. Extended care coverage can provide financial relief if the need arises.3
小心申请社会保障福利
If your career and health permit, delaying Social Security can be a wise move. If you wait until full retirement age to claim your benefits, you could receive larger Social Security payments as a result. For every year you wait to claim Social Security past your full retirement age up until age 70, 你的月供会增加8%.4
有策略地退休
当你面临退休, a financial professional who understands your unique goals can help you design an approach that can serve you well for years to come.
1. SSA.政府,2023
2. LongevityIllustrator.org, 2023. Life expectancy estimates assume average health, non-smoker, and a retirement age of 65.
3. 医疗AG捕鱼王在线app下载.政府,2023
4. SSA.政府,2023
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