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新加坡退休规划指南：如果活到100岁，你需要准备多少退休金？

大家有没有想过，如果自己活到100岁，需要准备多少退休金？根据一些最新的长寿研究，今天的孩子有可能超过一半会活到100岁！这意味着我们不仅要规划到65岁之后的生活，还需要应对更长的退休期。那么，活到100岁需要多少退休金？我们一起来看看～

长寿带来的财务挑战

这就是所谓的“长寿革命”，因为寿命的延长，我们的退休规划和生活开支都需要重新审视。《时代》杂志指出，长寿带来的挑战将影响医疗、个人理财、退休生活等各方面。

“活得长意味着我们需要激进地改变生活方式，重新构想我们的人生轨迹。”——心理学教授Laura L. Carstensen

其中一个重要的问题是：如果你活到100岁，需要为退休准备多少钱？

一般来说，你退休后的生活水平需要达到你退休前收入的70%-80%。假设在新加坡，您退休时的年收入为S$80,000，那么每年需要大约S$56,000至S$64,000来维持生活。以下我们会分项讨论这些开支。

1. 食物开销

以65岁退休，假设你未来35年的食物开支保持在大约S$10,000/年，这35年的食物费用总计大约需要S$350,000。由于新加坡的饮食成本较高且会随通胀上升，实际费用可能还会增加。

2. 医疗费用

医疗费用是退休期间不可忽视的支出。新加坡公民可以通过CPF的Medisave账户来覆盖一部分医疗费用，但随着年纪增长，住院、长期护理、药物等医疗费用会逐年增加。
假设每年需要S$6,000用于医疗开支，35年下来约为S$210,000。为了更有保障，建议在退休前加入医疗保险（如MediShield Life或个人补充计划），以及长期护理保险（如CareShield Life），以应对医疗开支的增加。

3. 住房费用

在新加坡，很多人在退休后依然会选择继续住在现有的HDB或私人住宅中。如果你已经还清了房贷，那住房成本会相对较低。根据新加坡居民的平均生活开支，一对夫妻的住房相关支出大约在S$12,000/年。
那么，35年下来，住房费用约为S$420,000。

温馨提示：提前对住宅进行无障碍改造，可以让自己在家中安全、独立地生活更久，例如加装扶手、防滑地板等。

4. 杂项与可自由支配的支出

除了基本生活开销外，退休生活中也会有一些日常的社交、娱乐及交通出行费用。在新加坡，一对退休夫妇每年在交通、娱乐、社交方面大约需要S$12,000。
因此，35年的杂项支出预计为S$420,000。

活到100岁所需的总退休金

综上所述，如果活到100岁，维持退休生活所需的总金额约为：

  • 食物费用：S$350,000
  • 医疗费用：S$210,000
  • 住房费用：S$420,000
  • 杂项支出：S$420,000

合计：S$1,400,000

退休收入来源

新加坡的退休收入主要来源于CPF终身入息计划（CPF LIFE），再加上个人的储蓄和投资收入。如果您选择CPF LIFE Basic计划，每月可以获得一定的固定入息，用于补充退休支出。但大部分情况下，额外的储蓄或投资是必不可少的，以确保充足的生活保障。

如何提高退休储蓄？

尽早开始规划是关键。以下是几个方法帮助您提升退休储蓄：

  1. 增加CPF的自愿供款：通过提高CPF的储蓄额度来获得更高的终身收入。
  2. 投资与被动收入：通过定期投资股息股、债券、房地产等资产来实现多样化收入来源。
  3. 医疗与长期护理保险：选择适合的保险产品覆盖退休期间的潜在医疗和护理成本。

有了合适的计划和保障措施，我们就能够在财务上更加从容地享受长寿带来的乐趣～

如果您也在为未来的退休做规划，记得随时联系我哦！我是JolysseWu 😊，您的独立理财顾问，一起规划无忧的退休生活！💖

 

我是宇思，和你一起看世界。

微信：bigwusister / WhatsApp：90088276

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新加坡退休规划指南：如果活到100岁，你需要准备多少退休金？ — Engage

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

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您好。我是宇思，您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策