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对于年近花甲的人而言，理财规划的重点从起伏跌宕的投资市场转向个人的工作年限。若你计划65岁退休，那么储蓄时间已所剩不多。要不了多久，你就要吃“老本”了。
如果你还可在工作岗位上奋斗几年，那么情况便大有不同。奋斗的这几年，你可以暂时不动用自己的养老储蓄，从而延长其收益年限。年近花甲，做任何决定之前请务必三思而后行，以下几点为考虑的重中之重：
第一、估算支出总额
对于很多退休者而言，仅对消费额进行估算会导致日后的生活备受煎熬。实际上，以5年为一个周期，计算一下期间收益和支出的总和，从而估算出一个平均消费值是比较可取的方法。计算过程中，一些必须还清的贷款项（房贷和车贷）都可忽略不计。
第二、合计收入总额
毋庸置疑，投资会产生部分收益，分红股票和债券便是最好的证明。如果你有社保，这也属于一部分流动收益。但切记一点，除非你所持为免税债券，且绝大部分投资来自罗斯个人退休账户，否则均需上税。
对于年近花甲的人而言，理财规划的重点从起伏跌宕的投资市场转向个人的工作年限。若你计划65岁退休，那么储蓄时间已所剩不多。要不了多久，你就要吃“老本”了。
如果你还可在工作岗位上奋斗几年，那么情况便大有不同。奋斗的这几年，你可以暂时不动用自己的养老储蓄，从而延长其收益年限。年近花甲，做任何决定之前请务必三思而后行，以下几点为考虑的重中之重：
第一、估算支出总额
对于很多退休者而言，仅对消费额进行估算会导致日后的生活备受煎熬。实际上，以5年为一个周期，计算一下期间收益和支出的总和，从而估算出一个平均消费值是比较可取的方法。计算过程中，一些必须还清的贷款项（房贷和车贷）都可忽略不计。
第二、合计收入总额
毋庸置疑，投资会产生部分收益，分红股票和债券便是最好的证明。如果你有社保，这也属于一部分流动收益。但切记一点，除非你所持为免税债券，且绝大部分投资来自罗斯个人退休账户，否则均需上税。
第三、弥补收支缺口
如果你的收支平衡，那再好不过。一旦收支出现失衡之势，那你应尽力弥补收支缺口，“多赚少花”堪称明智之举。面对两种选择，大部分退休者会选择“少花”，搬迁到一个税收抵、环境好的州。
第四、保险不能停
终止一些保险项听起来很是诱人，诸如定期人寿保险和残疾保险等。但是，如果你家里有在读学生，或者全职家庭主妇（煮夫），建议你慎重考虑。可以设想这样一个场景：你选择终止长达15年的保险，突然某一天你又需要这份保险，那时的你只能悔不当初了。
第五、计划需长远
对于绝大多数退休者而言，常见的退休误区有两个：其一，退休后的前几年消费过度；其二，低估了自己的寿命。现如今，退休之后再活个20年甚至更久很是普遍。若你临近退休，那么在退休前多攒几年工资会有利于你的审慎投资和收益，进而降低退休后入不敷出的风险。
长期看来，60岁的理财规划并非是人生的“最后一章”。从某种程度上而言，60岁意味着你需要换一种方式去适应改变的环境，从而为安享晚年做好准备。
原文：
Financial Planning In Your 60s
The fundamental question when it comes to financial planning in your 60s has nothing to do with the markets. It’s really all about your work life.
If you plan to retire on the dot at 65, then your time to save is short. Before long, you will need to begin to draw down your retirement accounts.
If you know you will work longer, then things change a lot. The reason why is compounding. Every year you can put off taking money out of your retirement plan, it has a chance to grow.
It also has a chance to lose value, too, depending on how you are invested. Here’s a checklist of steps to take before making any big decisions:
1. Figure out your real spending
Many retirees simply guess at how much money they spend, and that can be a huge source of grief later. Dig up your bank accounts going back five years and add up your real outgo, then average it over the five years. You can subtract big-ticket spending like themortgageor car payments, if in fact you’ll have them paid off.
2. Now, add up all your income
Your investments will generate some income, particularly if you own dividend-paying stocks and bonds. If you take Social Security, that will be an income flow as well. Remember, however, that you will be taxed on both to some degree, unless you hold exclusively tax-free bonds or your investments are largely inRoth IRA accounts.
3. Decide how to bridge any gaps
If you know that your income will comfortably outpace your spending, you’re in good shape. If you know there’s a potential shortfall or the numbers run close, you should start thinking now about how toincrease your incomefrom working or, conversely, how to lower your costs. Most retirees go the latter route, moving to low-tax states with good weather. It’s a good strategy if you can afford it.
4. Keep current on insurance
It can be tempting to let insurance policies lapse, such as term life policies and disability coverage. If you have student-age children or a non-working spouse, consider carefully the impact of this choice. You would not want to have paid into a life insurance policy for 15 years, only to let it end and then suddenly have a real need for that protection.
5. Consider the long term
The major mistake of most retirees is overspending in the first few years of retirement. The second is underestimating their own longevity. Twenty years of retirement or more is increasingly common. If you are cutting it close, a few more years of working income would allow you to continue toinvest prudently for growth, reducing the risk of outliving your assets.
Financial planning in your 60s in not the “final chapter” of a long effort. In many senses, it’s just a change in the environment to which you must carefully adapt if you expect toretire comfortably and well.（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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