你给退休存的钱可能太多了.docVIP

You may be saving too much for retirement 你给退休存的钱可能太多了 Are you saving too much for retirement? Can you believe Im even asking that question? 你的养老金是不是存得太多了？或者你认为这个问题本身就很无厘头？ Full disclosure: The folks at Morningstar Investment Management, specifically head of retirement research David Blanchett, asked it first. He found that for many people the answer is yes -- by an average of 20%. That, as Blanchett acknowledges, is a big deal. Retirement is, by and large, the most expensive purchase of anyones lifetime, he says. For people who think they need $1 million but find they only need $800,000, it is a big difference. 而事实是这样的：晨星投资管理公司（Morningstar Investment Management）退休研究部主管大卫?布兰切特率先提出了这个问题，而且他发现， 20%左右的人对这个问题的回答是肯定的。布兰切特认为情况有些严重，他说：“养老储蓄金毫无疑问是大多数人人生最大的一笔投入。但想象和现实差距很大，人们以为自己需要存上100万美元来养老，实际上只要80万就够了。” So how do you figure out whether it applies to you? You have to take a step back and look at both the retirement saving goals youve set for yourself and your current spending. 那么，这种情况是否也出现在你身上？大家最好还是重新审视一下自己的养老储蓄计划，以及目前的开销。 There has long been a rule of thumb that says you should plan to replace 70% to 80% of your pre-retirement income (that is, your final annual salary before you retire) in retirement -- and that that number should be adjusted upward, with inflation, each year. In real life, data from the Survey of Consumer Finances shows, spending, and therefore the amount youll need, isnt that linear. 长期以来，根据概测法，人们应该存下退休前收入（即退休前的最终年收入）的70%到80%作为养老金。而且，算上通货膨胀的话，这个比例还应该逐年上调。但美国消费者金融调查报告（Survey of Consumer Finances）的数据显示，人们的实际开销并不会因为通胀的影响而上涨。 People in their mid-40s to 50s spend the most. (As someone right in the middle of that range with one child in college and another starting in 18 months, I can totally see why thats the case.) From there, spending starts to decline as -- typically -- the kids leave the nest, you downsize, retire the mortgage (although thats getting less common), ditch the extra car, etc., etc., until medical needs drive expenses up again toward the end