HOW MUCH FOR RETIREMENT

birdhugecn

<p>A suggestion to 版主 to conduct a survey on "Target for Retirement". ----- Setting an appropriate target would be an important starting point for the life-long investment. </p><p>Given the current high inflation, I think S$5m could be a reasonable&nbsp;base for retirement (a small family of two) with S$4m in asset and S$1m in cash/equivalent? </p><p></p><p></p>

utopia80

<p>哈哈～～～</p><p>楼主真风趣。。。基本上，在退休时（55）有百万的总资产已经不错了。。。</p><p>看来楼主的目标锁定在高收入的专业人士。</p>

bluesky77

<p>这个帖有意思，大家讨论讨论。</p><p>虽然计划赶不上变化，但有计划总比没计划好。</p>

strings

<p>现在的通货膨胀率(Inflation Rate)并不高，一年1.2%左右，但是银行的利息就很低，少过1%。所以如果要积累财富，一定要自己想点其他的办法来给自己的资本增值。</p>

逍遥居士

目前如何弄到 <strong><font color="#ff0000" size="5">206万 </font></strong>[em04][em04]

DIYer

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>birdhugecn</i>在2007-7-18 1:15:00的发言：</b><br/><p>A suggestion to 版主 to conduct a survey on "Target for Retirement". ----- Setting an appropriate target would be an important starting point for the life-long investment. </p><p>Given the current high inflation, I think S$5m could be a reasonable&nbsp;base for retirement (a small family of two) with S$4m in asset and S$1m in cash/equivalent? </p><p></p><p></p></div><p><font size="4">假设30年后退休，退休时净资产是5百万元（包括所有资产和现金），<strong><font color="#0000ff">按3%的通货膨胀率</font></strong>计算，</font><font color="#ff0000" size="5"><strong>30年的500万大概等于现在的206万</strong>。</font></p><p><font size="4">再做一系列假设，退休后通货膨胀率继续按3%计算，也就是生活费每年增加3%，206万的净资产全部用于退休生活，不留遗产。206万的净资产，除每年提取生活费外，全部购买新加坡长期国债，年息也按3%计算。</font></p><p><font size="4">全部按以上假设计算，搂主可以以每月大概</font><font color="#ff0000" size="5"><strong>6940元（现值）的生活费生活25年。</strong></font></p><p></p>

xzyan

rob the bank

DIYer

<font size="4">新兴市场基金和小公司基金有可能达到年15%的回报</font>

birdhugecn

<p>Great to see some valuable comments. </p><p>My assumptions&nbsp;are as follows: &nbsp;</p><p>Retirement age: 55 (although govt encourages to recruit older workers, the potential and pay of the older workers are highly limited, at such age, the best is not to work for money)</p><p>Inflation rate: 5-7% (the published inflation rate may not include some critical items, eg, housing/rental, given rental is the largest part of cost of doing biz in Spore, if rental increase as those analysts predict, the cost of living in Spore will increase substantially in the coming yrs; another big ticket item is salaries of employees, which coudl also affect the cost of biz significantly; medical exp and etc are increasing much faster than the average CPI); In general, what I believe Spore is going to a business and entertainment centre for Asia, and targeting&nbsp;to attract the rich and super rich people. </p><p>&nbsp;Monthly exp: this is really based on individual requirement, currently I am using 10.8k future value or 4k current value</p><p></p><p>After setting the requirement, then a big Q is how to achieve it. Assuming the net&nbsp;saving of a small family is 50k per annual, so the required return in real term (without inflation) would be 15% in 20 yrs to achieve $5m. I am not sure which fund can provide a 15% return in real term. </p>

Jacky-Tong

<p>不愿承受风险的人可以不投资的，完全在乎个人。</p>