理财资讯

视角姬_洋视角:知天命的年纪 顺人意的理财应这样……

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      毋庸置疑,50岁可谓是人生的一大分水岭:孩子大了,债务多了,要攒钱供孩子上学和买房了等。尽管这一时期的理财计划危机四伏,但却至关重要。

 

  对于很多人来说,既定的退休年龄已依稀可见。时光飞逝,你也在慢慢变老。时至今日,你不仅深刻体会到光阴15载是如何转瞬即逝,而且意识到规避一些消费误区的重要性。既已知天命,理财计划又何以顺人意?

 

第一、金钱上和子女“一刀两断”

 

   临近退休,父母和子女在金钱上“纠缠不休”乃是大忌。除非父母的钱财多到需要通过这种免税的方式赠予子女,否则万不可取。出于以下几种原因,子女向父母借钱无可厚非,诸如求学、买车或度假等。但是,提醒父母一点,务必不要陷自己于以下尴尬境地,即借钱用以维持自身的养老或医疗问题。

 

第二、规避大额债务

 

  年近50岁,适当缩小房屋面积或搬迁到税收低的州都是明智之举。但是,有太多夫妻却选择成为“房奴”。长此以往,你退休之日的可支配收入会是多少值得深思。如果新开销在开销总额中占比较大,建议你适当放低眼光,购买一些价格稍低的东西。

 

      毋庸置疑,50岁可谓是人生的一大分水岭:孩子大了,债务多了,要攒钱供孩子上学和买房了等。尽管这一时期的理财计划危机四伏,但却至关重要。

 

  对于很多人来说,既定的退休年龄已依稀可见。时光飞逝,你也在慢慢变老。时至今日,你不仅深刻体会到光阴15载是如何转瞬即逝,而且意识到规避一些消费误区的重要性。既已知天命,理财计划又何以顺人意?

 

第一、金钱上和子女“一刀两断”

 

   临近退休,父母和子女在金钱上“纠缠不休”乃是大忌。除非父母的钱财多到需要通过这种免税的方式赠予子女,否则万不可取。出于以下几种原因,子女向父母借钱无可厚非,诸如求学、买车或度假等。但是,提醒父母一点,务必不要陷自己于以下尴尬境地,即借钱用以维持自身的养老或医疗问题。

 

第二、规避大额债务

 

  年近50岁,适当缩小房屋面积或搬迁到税收低的州都是明智之举。但是,有太多夫妻却选择成为“房奴”。长此以往,你退休之日的可支配收入会是多少值得深思。如果新开销在开销总额中占比较大,建议你适当放低眼光,购买一些价格稍低的东西。

 

第三、考虑长期护理保险

 

 

  退休生活中有一个很容易被人忽略的大问题,即医疗花销。如果你的身体比较健康,那么一切都没问题。但是,一些慢性疾病会逐渐演变为一项长期花销,进而对你的生活造成不良影响。对于年近50岁的人而言,长期护理保险的花销还在可承受范围之内。然而,一旦上了60岁,情况便不容乐观。

 

第四、将储蓄进行到底

 

  诚然,政府希望你安然退休。一旦上了50岁,你的个人退休基金账户、罗斯个人退休账户中的储蓄均能享受减税甚至免税服务。现如今,正常范围内,个人和夫妻退休储蓄账户的存款额分别为5500美元和11000美元。优惠就在那里,会不会利用全凭你自己。

 

第五、审慎规划未来投资

 

 

  生活中,人们很容易将65岁视为人生长跑的“终点线”。实际上,你可能会比预期年龄多活20年甚至更久。如果你当下50岁,那么未来还有30年的时光在等你。随着年龄增长,选择一些较为保守的理财方式才是上上策。此外,你还需借助复利之力(或称利滚利、叠加之利)为你的晚年生活保驾护航。

 

  退休计划是成是败,关键取决于50岁的你是否采取了正确的理财举措。做好长期规划,踏踏实实地去实现,舒适安逸的晚年生活就在不远处向你招手!

 

原文:

 

Financial Planning In Your 50s

 

  Turning 50 is a milestone for many reasons: Children are grown and the big debts, such as saving for college and the mortgage, make less of a dent. Financial planning in this decade is tricky, however, and hugely important.

 

  For many, thetarget retirement ageis now in sight. As you get older, time seems to move faster as well. You really understand how quickly 15 years can get by you and the importance of avoiding bad money choices as retirement nears.

 

  Here are some of thekey financial planning movesto make in your 50s:

 

1. Make a clean break with your children

 

  Financially coddling your kids is a huge mistake as you edge closer to retirement age. Unless you have so much money that a CPA is advising you to take advantage of tax-free gifting, don’t splurge on them now. They can borrow for grad school, a new car or vacation. You cannot borrow tofinance your retirementor medical needs.

 

2. Avoid major new debt

 

  It might make sense todownsizeor move to a lower-tax state. Too many couples let that decision turn into a new, long-term mortgage. Consider how your cash flow will work in retirement. If your new digs are a big part of the spending pie, lower your sights and buy something cheaper.

 

3. Consider long-term care insurance

 

  The great unknown of retirement living is medical costs. If you remain healthy, no problem. But any chronic condition can turn into an ongoing expense that greatly restricts your lifestyle.Long-term care insuranceis available to people in their 50s that many in their 60s can no longer buy or simply cannot afford.

 

4. Save your maximums, including “catch ups”

 

  The government wants you to retire well. Once you hit 50, you can save more tax-deferred or tax-free than those under 50 inIRAs, Roth IRAs and, at 55, in health savings accounts. Currently, that figure is $5,500 per person for IRAs, so a couple could put an extra $11,000 away, on top of the normal limits. Use it or lose it.

 

5. Invest for the decades to come

 

  It’s easy to look at 65 as the “finish line,” but the fact isyou are likely to live 20 years or more. If you are 50 today, that’s 35 years of market ups and downs, inflation and all the rest of it. While moving toward more conservative investments makes sense as you get older, don’t overdo it. You’ll need the power of compounding to ensure that your nest eggs lasts well into your later years.

 

  Making the right moves in your 50s can dictate the success or failure of your retirement plan. Take things step by step and think about the long-term and you will find that your money will work hard to take care of you later on.(原文出处:forbes 网站)

 

栏目介绍:“洋视角”是理财频道新开设的一个栏目,栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点,以期对国内投资者的投资理财有借鉴意义。

 

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