是否太晚計劃退休？
是否太晚計劃退休？
 The ten years before your retirement date and the ten years after is the critical time for retirement planning. Wherever you are in that time frame will normally allow you options. If you are ten years away from retirement start today to live on your retirement income and see how that feels. Put the difference between your current income and your retirement income into a Roth IRA. Make adjustments as necessary but get into the post retirement budgeting process as quickly as possible. Identify those skills and interests that you have that can generate additional income should that be necessary. During this period of time be particularly wary of changing investment strategies in an attempt to make up the short-fall. If you elect more aggressive strategies you could end up with an unacceptable loss.
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