如何處理退休金？
如何處理退休金？
 You are not unique. Studies show that less than twenty percent of those without an active plan for retirement feel confident about retiring. Here are four strategies that you can pursue if you are unsure that you can retire on the income you will receive when you retire. The first strategy is to increase your savings for retirement now. As people approach retirement they frequently lose responsibility for children, their mortgage may become paid-off and their disposable income might climb. Seizing this opportunity to increase saving for retirement is crucial. If your employer matches what you put into a retirement or savings program try to make a matching contribution to the company plan. Be careful about putting excessive money into the company plan as the investments contained in the portfolio might now reflect your risk tolerance and you could become quite worried over them. Maximum contributions increase on certain retirement savings programs and you should explore the opportunity that could afford to you. Make sure your retirements savings are coordinated. A retirement income expert could be very helpful in this regard. There are severe penalties if you inadvertently overfund a pension or retirement savings plan. If you are saving all you legally can for retirement you should then focus on reducing debt. The less debt that you carry into retirement the higher your satisfaction will be. At a minimum eliminate any credit card debt and installment purchase debt. Discuss with your accountant the wisdom of reducing or eliminating a mortgage. The second strategy would be to get better performance from your investments. This can be a reason to sit down with someone who specializes in retirement portfolios. You could have investments that have underperformed for a while and have little prospects of rebounding. This might be the time to adjust your assets so that you are better able to reach your retirement goals. The third strategy is often overlooked and yet it is the most obvious. You might be able to work longer. Forty percent of retirees start retirement because of some unforeseen event and at a date that they had not selected. The illness of parents, spouse or children can often force an early retirement. As you approach retirement make an inventory of your marketable skills and interests. Focus your attention on what you want to do and develop the expertise to move into that area whenever retirement starts. If this means staying at your current employer that can be negotiated most of the time. Some people negotiate for reduced hours, or returning to the exact same job as a consultant. If you like your work and you like those you work with, dont think that you must quit because you have reached some arbitrary age. Working longer is the quickest way to enhance your retirement income. My brother could probably work into his 90s because he was a programmer over fifty years and knows some proprietary computer languages that are still being used, but few people can program them. The fourth strategy is to decide to live on less. If this is going to be your strategy, start reducing your standard of living now. Waiting until the day you retire to downsize can bring more trauma than you want. You can live on less now, save the difference. Then when you retire you can keep marching along. This can include moving to a smaller, less difficult to manage single story home. This could mean resuming cooking rather than eating in restaurants. It usually will include reducing the number of cars. For some this will mean establishing a joint residence with a child. While this can be done, planning is essential. Your childs idea might be putting you in the middle bedroom and that might not be desirable. These are practical strategies that anyone can follow to increase the likelihood that your assets will not be exhausted in your retirement and that you can enjoy your retirement. Planning is really the key to having a successful retirement.
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