回复 37楼changheruhailiu的帖子 下面是Chatgpt给的答复，基本靠谱 A common strategy to avoid sequence of return risk in retirement is to implement a "bucket" or "tiered" approach to withdrawals. This involves dividing your retirement savings into different buckets based on their investment time horizon and level of risk, with each bucket designed to provide a specific stream of income. For example, one "safe" bucket might consist of highly liquid and low-risk investments, such as high-yield savings accounts and short-term bonds, that can be used to cover near-term expenses. A second "intermediate" bucket might consist of a mix of stocks and bonds with a longer time horizon, which can be used to cover expenses over the next 5-10 years. And a third "long-term" bucket might consist of riskier investments, such as stocks, that are designed to grow over the long term and provide a source of future income. By following this approach, you can withdraw funds from the safe bucket first and limit your exposure to market downturns during the early years of retirement, when you may be relying heavily on your savings to cover expenses. You can then gradually shift withdrawals to the intermediate and long-term buckets as you need to, while also taking advantage of potential market growth to sustain your income over the long term.
IRS有一个rule of 55了解一下？ Employer-sponsored, tax-deferred retirement plans like 401(k)s and 403(b)s have rules about when you can access your funds. As a general rule, if you withdraw funds before age 59 ½, you’ll trigger an IRS tax penalty of 10%. The good news is that there’s a way to take your distributions a few years early without incurring this penalty. This is known as the rule of 55. If you’re contemplating early retirement, you should know how the rule of 55 works. If you have retirement planning questions, consider talking to a financial advisor who can help you create and manage your long-term financial plan. https://www.forbes.com/advisor/retirement/rule-of-55-retirement/
所以睿从大妈升级成仙了？
看你这个说法儿，她那也不算早退休，只是成为home maker了？
你的钱不需要投资吗？都是存银行或者压在床底？
可是分红和债卷收入够吗？收益只有不到5%。 我觉得是必须要卖股票的
Housewife
你没有理解我的问题。假设我有足够的股票了，那么具体每个月怎么卖？ 也不可能闭着眼睛随便点一个卖吧
我问你，你预计退休后每年开销多少？
我预计退休以后每年开销八万左右
你的钱全买股票了？很难想象提前退休的人这么干，一点现金都不留，还没出租房。
回答楼主的问题，最简单的办法，你不知道卖哪个股票的话，就按比例都卖点好了。
股票持仓在100-200万之间就行了，如果操盘水平好点，不用按上限准备持仓资金
股票1-2米，其他啥都没有的话，提前退休的，心也是很大很勇敢的。
股票是高回报也高风险的投资。如果退休需要稳定的现金流，需要用到bond。要提前几年安排，避免sequence risk（俗话说就是避免在股市大跌的时候，实在需要钱的时候不要被迫卖股票，要买债券变现）。
我存银行的钱够我过一辈子了。我没有现金流的问题。
感谢分享，马克待学习。
这个说法是不对的。股票的盈利不是靠分红是靠股价成长的，你看亚马逊涨了这么多20年都一分钱没有分红。
大盘股票的分红率就是1%多一点。如果她家需要每年拿8万，只靠分红就得有8百万到1千万股票。最后的结果是人死了，钱没花完，还要交很多遗产税。
就是回报率1-2%可以支撑生活方式即可。 丰俭由人
8万/5%=160万。那你在退休前需要160万
这个股票资产住湾区生活肯定不行，房子太贵了，换别的地方就好
其他地方华人少没这么热闹啊！退休后精神生活要丰富多彩才行
那么多唐人街的、偷渡的 都能有医疗。你怕什么？
不好用啊。。。我一个同事的妈妈65以前用medical 治乳癌，可遭罪了。现在好的地方是总能买到，但是好用的不便宜，不便宜这事儿还好说，主要是保费涨起来没谱儿，我对难预测的事情有恐惧。比方说，我觉得年纪大了不想操持院子，住公寓不错，但是对租金的不稳定性就觉得害怕。
哪里可以看类似的讨论？求介绍谢谢
自己放狗搜很容易找，要不试试Chatgpt也行。keyword - retirement withdrawal strategy to avoid sequence risks
https://www.fool.com/retirement/strategies/withdrawal/
https://retirementresearcher.com/4-approaches-managing-sequence-returns-risk-retirement/
https://www.schwab.com/learn/story/timing-matters-understanding-sequence-returns-risk
https://www.forbes.com/sites/jamiehopkins/2019/10/30/4-ways-to-manage-sequence-of-returns-risk/?sh=305b8df627eb
下面是Chatgpt给的答复，基本靠谱
A common strategy to avoid sequence of return risk in retirement is to implement a "bucket" or "tiered" approach to withdrawals. This involves dividing your retirement savings into different buckets based on their investment time horizon and level of risk, with each bucket designed to provide a specific stream of income. For example, one "safe" bucket might consist of highly liquid and low-risk investments, such as high-yield savings accounts and short-term bonds, that can be used to cover near-term expenses. A second "intermediate" bucket might consist of a mix of stocks and bonds with a longer time horizon, which can be used to cover expenses over the next 5-10 years. And a third "long-term" bucket might consist of riskier investments, such as stocks, that are designed to grow over the long term and provide a source of future income. By following this approach, you can withdraw funds from the safe bucket first and limit your exposure to market downturns during the early years of retirement, when you may be relying heavily on your savings to cover expenses. You can then gradually shift withdrawals to the intermediate and long-term buckets as you need to, while also taking advantage of potential market growth to sustain your income over the long term.
如果这个是最大担忧，强烈建议考虑申请台湾金卡，然后办个台湾永居。
不过最近听说XJP已经给解放军下了命令，准备2027年解放台湾。到时候台湾健保还能不能用就不知道了。
楼上的别吓人行吗？
很难说啊。解放军在扩军备战，造军舰像下饺子。最近CIA的头出来公开说共军2027年就能做好解放台湾的准备。
系统提示：若遇到视频无法播放请点击下方链接
https://www.youtube.com/embed/qsjJ5QvNmd8?showinfo=0
抖音上很多这类视频，小粉红很自豪。
大连造船厂同时在建5艘052D，中国一年造舰的吨位相当于整个法国海军。
https://www.douyin.com/video/7188393842733796641
https://www.douyin.com/video/7135724926853532941
不就是一个月多出2千的医保费吗。
我们的投资顾问说保费的涨幅一般是通胀的双倍，但是医保法规有变化的时候，很难预估。。。
65 岁后买supplement保险 只会比regular低
65以后就不太担心了，这贴不是说65之前吗？我是有点小焦虑，对不能预估的开销。 我有个同事比太太大6岁，他太太生了老三以后全职主妇，两家都是老钱人家，不过他太太是第四代了，她父辈瞎折腾，她这辈人多，信托他说也没多少了。他说要工作到老婆能用Medicare 。
接近退休投资方面要保守一点，买些红利高的基金。
你买有dividend 的股票？
買Obamacare啊，和公司給的一樣的。
每個月的保費，取決於你當年的1040。已經沒有W2了，也不取4 0 1，那就只有taxable account 中的利息紅利. 所以想要保費低，你每年可以用taxable account存款生活，那是本金，不报税。
华人退休的标准就是本金绝对不能动，一定要留给孩子，自己只吃利息就可以退休才行
投资只会赔钱 不会有稳定现金流
一般的planner 都是劝你赔钱的 把股票都卖了换成定存 没啥技术含量 就是万事求稳 小学生都会 纯属割韭菜
谁卖给你医保呢？
问的是 65 以前不能取 401k 时怎么办？
卖就卖吧！保持你预定的资产配置。卖高价位的。
dividend income
难道没有房产还有其他的股票吗？401K应该只占1/3吧，你先动用其他两种不就行了吗？
65？你再查查。
401k 不要那麼多錢，即便用不到，也取點出來做Roth conversion. 否则将来RMD開始，税就上來了。再以後配偶死亡，單身了，税就更加了
说的对，401K有几种方式55岁以后取就没有penalty. 65其实是medicare kick in这个坎。
Marketplace 上自己买
美國最重要的政策啊，你該好好複習一下很多最基本的知識，比如不上班的人哪裡買保險，401什麼時候可以拿。
拿退休金没有罚款的年龄是59.5岁。
我也去问问。 mark
IRS有一个rule of 55了解一下？
Employer-sponsored, tax-deferred retirement plans like 401(k)s and 403(b)s have rules about when you can access your funds. As a general rule, if you withdraw funds before age 59 ½, you’ll trigger an IRS tax penalty of 10%. The good news is that there’s a way to take your distributions a few years early without incurring this penalty. This is known as the rule of 55. If you’re contemplating early retirement, you should know how the rule of 55 works. If you have retirement planning questions, consider talking to a financial advisor who can help you create and manage your long-term financial plan.
https://www.forbes.com/advisor/retirement/rule-of-55-retirement/