如何为退休生活做财务规划?

Practical steps

实践步骤

Here are some important insights and practical actions drawn from the research findings, which may help today’s retirement savers plan a better financial future for themselves. 

以下是我们从研究结果中总结的一些重要见解和实际行动，如果您目前正在为退休积极规划，这可能有助于您更好地制定财务方案。

Consider all your retirement expenses

考虑退休所需的所有花费

42% of retirees have long term savings/investments as one of their outgoings, yet only 25% of pre-retirees expect to be contributing to these in retirement.

42%的退休人士将长期储蓄/投资列为一项支出，但仅有25%的临退休人士预计到退休后要为长期储蓄/投资供款。

When planning for retirement, make sure to list all your possible retirement outgoings.

在为退休做规划时，确保列出所有可能的退休支出项目。

Start saving earlier for retirement

提前开始为退休存款

21% of retirees say they would have started saving for retirement at an earlier age, if they could have done anything differently.

21%的退休人士表示，如果有可能重来一次，他们会早几年开始为退休存款。

Plan to start saving for retirement earlier, to help build a bigger fund and allow it to grow for longer.

计划好提前开始退休储蓄，实现长期增长，获得更高金额。

Make sure your advice is professional

确保获得专业咨询意见

60% of pre-retirees and 62% of retirees who received retirement advice and/or information got it only from friends or family. 

在获得有关退休的意见及/或信息的人士中，60%的临退休人士和62%的退休人士仅通过朋友或家人获得相关意见及/或信息。

Seek information from many sources, but make sure the advice you get is professional.

从多种渠道征求信息，但确保获得专业的咨询意见。

Be prepared for financial ups and downs

为财务波动做好准备

37% of pre-retirees who started saving for retirement have either stopped and/or faced difficulties saving.

在已开始为退休存款的临退休人士中，37%已停止存款或碰到困难。

When saving for retirement gets difficult, make sure to review all your finances and seek alternative ways to help you continue towards a comfortable retirement.

在退休储蓄方面碰到困难时，确保审查所有财务状况，寻求以替代方式为实现理想的退休生活提供保障。