You just need your money in an inflation adjusted asset class. Also, I don''t buy in the 4% withdraw rate that the financial analysts preach. Here is a few detailed break-down: Social security income: this is already indexed with inflation, so you can safely spend it all. Rental property: rents are increasing with inflation, so you can safely spend all the rental cash flow. Stocks: stock appreciate consists a component that is indexed with inflation (because companies can increase their prices to match inflation as well) as well as what is known as risk premium. I think risk premium is lower than 4% and it is safe to put 2% rate there. So it is safe to withdraw 2% every year, your asset will grow with the inflation. In worse case, the current dividend rate is 1.5%, you can safely spend all the dividend. Pension: if you are lucky enough to have it, this is also inflation adjusted. However, given the risks of future reduction, I would think you can spend a portion of it safely.
所以存的钱需要投资 钱生钱呀 不能光存着 好比如果买了有现金流的房子，可以花掉现金流，房子还在。 或者买了有股息的股票，可以花掉股息，股本还在。 这类的。。。
投资回报有时候会是负数，通胀可都是正数
You just need your money in an inflation adjusted asset class. Also, I don''t buy in the 4% withdraw rate that the financial analysts preach.
Here is a few detailed break-down:
Social security income: this is already indexed with inflation, so you can safely spend it all. Rental property: rents are increasing with inflation, so you can safely spend all the rental cash flow. Stocks: stock appreciate consists a component that is indexed with inflation (because companies can increase their prices to match inflation as well) as well as what is known as risk premium. I think risk premium is lower than 4% and it is safe to put 2% rate there. So it is safe to withdraw 2% every year, your asset will grow with the inflation. In worse case, the current dividend rate is 1.5%, you can safely spend all the dividend. Pension: if you are lucky enough to have it, this is also inflation adjusted. However, given the risks of future reduction, I would think you can spend a portion of it safely.
以为自己攒了八百万，可以够退休了，谁知道还不到退休年龄就嗝屁，白白让从不未雨绸缪，吃快餐长大，背了一屁股学生贷款的儿媳妇占了便宜。
工作到80？我觉得人家不会要我聊，而且我身体也撑不住到80。
我有个同事，一辈子抠抠搜搜辛苦攒钱，攒了一堆房子，股票，家产几百万是绝对有了，本来就有基础病，但是因为保险死扛着上班，没熬到退休，就过世了，女儿老婆一步到位财富自由，不用上班了
以后还会速度更快
不好看
80-90年代成了万元户的如果买了房子,现在远远跑赢通货膨胀. 所以存了点钱也可以投资,起码可以抗通胀.
不过我也不赞成退休就是整天无所事事混吃等死，还是要有点事情做，还是要动动脑子，一来不容易老年痴呆，二是保持能挣钱的本事，技多不压身，有一技之长关键时候还能救命呢，看过纳粹电影的就知道。
图案夸张，气场强大的可以。
如果是老公取新妻，所有财产给了新妻和他的小孩，自己小孩什麽都没有，是不是更惨？
有钱人啥时候怕过通胀啊通缩啊的？很有钱的我不知道。我就5百万的资产，前7个月除掉开销资产还增加了30万。只要资产一直涨，而且涨的比别人工资都高，还轮得到我担心吗？
你看看今年通货膨胀率，再看看今年去年大盘跌多少
所以说，买房才是王道
你这个五米包括自住房吗
包括的。
这位完全不懂投资，profolio啊，要有组合，俗话说就是鸡蛋不能放到一个篮子里啊
你的想法没错, 但也只适用于你自己. 好多人觉得世界这么大, 生命这么短, 有精力有体力就自由自在坐喜欢做的事, 旅游烹饪摄影whatever, 反正没人喜欢给资本家打工帮他积累财富. 都到了晚年护理阶段, 生活不能自理还撑着活那么长干啥, 为了受罪么? 吃点止痛药早点有尊严地离世不好么. 屎尿不能自理地卧床一二十年是对自己的折磨吧?
你没看懂她的意思
完全不懂你写的这些和我的发言有什么关系。是什么让你觉得别人一直给资本家打工？我计划55退，老公也退，资产已经可以让我们早退，还真轮不到我一直给资本家打工。
资产多少可以退了
3米凑合，5米可以，10米更好，认为非10米不行的，纯属矫情