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新加坡 | 80后退休前的存款挑战：究竟需要多少钱才够？

大家好，我是jolysse，今天来聊聊一个让很多80后头疼的话题——退休后的财务规划。

随着时间的推移，我们渐渐进入了职场的黄金期，但是退休时的生活支出和医疗费用会是一个巨大的挑战。在这个问题上，我们需要做好充分的规划，才能确保晚年生活的质量。

首先，让我们来看看CPF（公积金）在我们退休后能够提供多少帮助。假设我们在55岁时有10万新币的存款，按照标准退休金，到了65岁每月领取820新币。这对基本生活开销可能够用，但是如果遇到紧急情况或其他需求，就有些力不从心了。

所以，我们需要进行一些推算。假设我们在60岁退休，平均寿命为85岁，那么我们退休后大约需要25年的资金支持。如果每月生活开销为3000新币，那么总共需要90万。当然，如果适当节约，每月2000新币也够了，那么总共需要60万。

但是，生病的医疗费用又是一个额外的开销。考虑到老年人的健康状况，我们可能需要额外的储备。而且，通货膨胀也是一个不可忽视的问题，这可能会导致我们的储蓄贬值，影响到我们的退休生活质量。

因此，我们需要在年轻时就开始储蓄，打造被动收入，以确保未来的不确定性。记住，晚年生活质量取决于我们今天的规划和行动。

今天的规划是未来成功的基石，尤其是在财务方面。以下是一些今天可以采取的行动来规划未来：

  1. 制定预算：确保每月的支出不超过收入，可以通过制定详细的预算来实现这一点。将资金分配给必需品、储蓄、投资和娱乐等方面，并严格执行预算。

  2. 储蓄和投资：建立紧急储蓄账户，以覆盖意外支出。同时考虑长期投资计划，如股票、债券、房地产或退休账户等，以实现财务增长和稳定。

  3. 还清债务：尽快还清高利率的债务，如信用卡债务或个人贷款。这样可以减少利息支出，并为未来的储蓄和投资创造更多的资金。

  4. 学习金融知识：了解各种投资工具和金融概念，以做出明智的财务决策。可以通过阅读书籍、参加课程或咨询专业人士来增强金融知识。

  5. 保险规划：购买适当的保险，包括健康保险、人寿保险和财产保险等，以应对意外风险和保护家庭财务安全。

  6. 设定目标：制定清晰明确的财务目标，并制定实现这些目标的计划。这些目标可以是短期的、中期的或长期的，如购房、旅行、子女教育和退休计划等。

  7. 定期检查和调整：定期检查财务状况和目标的进展，根据需要调整计划。生活和经济状况都会发生变化，需要不断适应和调整。


通过这些今天的规划，我们可以更好地应对未来的挑战，并创造一个稳健、健康的财务未来。

让我们一起努力，为未来的退休生活做好准备吧！#晚年规划 #财务自由 #退休生活

#新加坡公积金 #新加坡CPF #新加坡永久居民 #新加坡公民

#新加坡投资 #海外配置 #新加坡保险 #新加坡理财

你的宝库管家

Jolysse邬宇思

微信：Yusi_Wo / WhatsApp：90088276

新加坡全牌照理财顾问

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JolysseWu 邬宇思

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 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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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