女性如何为退休做准备
当我们的父母退休时, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today's average 67-year-old woman will live to age 88. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1
Are You Prepared For a 20-Year 退休?
How about a 30-year or even 40-year retirement? Don't laugh; it could happen. The Society of Actuaries predicts that an average healthy woman that reaches age 65 has a 48% chance of living past 90, and a 26% chance of living to be older than 95.2
以好问题开始
How can you draw retirement income from what you've saved? How might you create other income streams to complement Social Security? And what are some ways you can protect your retirement savings and other financial assets?
聘请金融专业人士
The right person can give you some good ideas, especially one who understands the challenges women face in saving for retirement. These may include income inequality or time out of the workforce due to childcare or eldercare. It could also mean helping you maintain financial equilibrium in the wake of divorce or the death of a spouse.
投资战略
如果你已经50多岁了, you have less time to make back any big investment losses than you once did. So, protecting what you have may be a priority. 同时, the possibility of a retirement lasting up to 30 or 40 years will require a good understanding of your risk tolerance and overall goals.
考虑延长医疗保险
Women have longer average life expectancies than men and may require significant periods of eldercare. 医疗保险 is no substitute for extended care insurance; it only covers a few weeks of nursing home care, and that may only apply under special circumstances. Extended care coverage can provide financial relief if the need arises.3
Claim Social Security Benefits Carefully
If your career and health permit, delaying Social Security can be a wise move. If you wait until full retirement age to claim your benefits, you could receive larger Social Security payments as a result. For every year you wait to claim Social Security past your full retirement age up until age 70, your monthly payments get about 8% larger.4
有策略地退休
当你面临退休, a financial professional who understands your unique goals can help you design an approach that can serve you well for years to come.
1. SSA.政府,2023
2. LongevityIllustrator.org, 2023. Life expectancy estimates assume average health, non-smoker, and a retirement age of 65.
3. 医疗保险.政府,2023
4. SSA.政府,2023
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