2023年3月8日

经济衰退专家一直响警钟一段时间。如果你在考虑退休不久,你可能会担心这意味着什么你的黄金年——你可能有理由感到紧张或压力。大多数退休人员(77%)和non-retirees(72%)说他们担心经济衰退影响了他们的计划,根据最近吉卜林调查。名待和退休人员面临一个不确定的未来对于初学者而言,你的养老金的价值可能已经下降——在2022年标准普尔500指数下跌了19%以上。债券同样下降。但是股票市场并不是唯一让你感觉不到退休持乐观态度。许多额外的因素可能会影响到你的退休计划,包括市场波动、社会保障的金融安全,医疗成本不断上升和通货膨胀,保持在创纪录的高水平。“50岁以上成年人现在有许多担忧,“Retirable首席执行官兼联合创始人泰勒表示,注册理财规划师(CFP®)。“通货膨胀和潜在衰退为我们的许多客户担心是首选方法退休。随着越来越多的美国人进入他们的退休计划的积聚物的处理阶段,通胀将对他们的日常生活产生很大的影响。” Case in point: More than 70% of those 50 and older are worried that inflation will cause serious hardship during retirement, the Kiplinger survey found. Understanding Inflation’s Effects Inflation has been consistently high for the past year, driving up costs and reducing the purchasing power of savers. This is a cause for concern for many Americans who are looking ahead to their golden years and wondering where to put their money during an inflation surge . Because interest rates are rising, the real — or inflation-adjusted — value of retirement portfolios dropped, which means if you’re retiring soon and need to withdraw your money, you’ll have less purchasing power. “Simply put, you will need more money to buy goods and services in this environment,” End said. “Daily costs will be more than what you may have budgeted for. These changes will affect how you plan, invest and spend during retirement.” Say you plan to withdraw $25,000 each year in retirement and your retirement lasts 25 years. If inflation is at 4%, your exact same lifestyle will cost you $66,646 at the end of your retirement. How to Recession-Proof Your Retirement You can’t control the market — or the economy for that matter — but you can control what you decide to do about the current landscape. Taking the wheel on your finances during a recession can restore feelings of control and lower stress — and save you money. The sooner you act, the more likely you’ll enter your retirement (somewhat) on top. Retirable, known for its holistic approach to retirement alongside the ongoing care of an adviser, recently released its guide “ How to Recession-Proof Your Retirement .” Written by its team of certified financial planners, Retirable’s free guide helps pre-retirees and retirees gain a better understanding of how to plan, invest and spend throughout retirement. The guide provides a playbook for adults aged 50-plus to help withstand any economic situation, including: Planning advice to boost your savings, consolidate your debts and use your greatest assets Ways to balance your investments, be smart with investment fees and lower your tax burden Retirement income strategies and resilient spending plans to help you embrace the unknown Retirable is designed for the 50 million Americans approaching retirement in the next decade without a formal retirement plan. Retirable is on a mission to provide ongoing management from a dedicated fiduciary adviser to help clients spend retirement income efficiently, make savings last and navigate key decisions throughout retirement. This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice.