優質退休~這樣想也這樣做就對了！

原創作者：Winner Chen 日期：2021/08/02

對於退休這件人生大事，你是怎麼想的呢？
拼命加班升職提高收入，節省度日努力存錢，仍然對於退休還是沒有個底嗎？
有沒有方法可以得知什麼時候可以退休？每月可以花費多少是合理呢？
筆者以多年的財務規劃經驗，在此提供各位簡單可執行的觀念及試算工具，助力你提早退休，實現夢想！

長期的奉行羅伯特清崎在財富自由的思想，最近購置了一個在台北市蛋黃區的收租房產，總算讓自己摸到了財富自由的界線，盤點自己的被動式收入，在60歲時，每月被動式收入將可以達到95,000元，簡單列明如下：

  • 勞保勞退約30,000/月 (60歲開始領)
  • 商業保險約15,000/月 (55歲開始領)
  • 收租房產約35,000/月 (即刻)
  • 其他被動收入約15,000/月 (即刻)

簡而言之，只要我將每月的花費控制在55歲後65,000元，60歲後95,000元，就不需要將資產變現，而能長期保持財務的穩健，過好人生的下半場。

每個人的情況大不相同，我將非常樂意與你坐下來好好制定，專屬個人的退休規劃。又或者，您可以自己透過以下的文章，自我檢視、制定計劃加以執行！

在我的退休觀念裡，重點是人的生活品質而非繼續被金錢制約，所以接下來所提供的方式有三不，務求有別於其他雞湯文章。

一、不會讓你需要每天盯著新聞股市

二、不會明顯降低生活品質

三、不會只談理論沒有實務

為了讓這些文章更加有架構和易讀，建議閱讀順序如下：

①H.A.P.P.Y 致富方程式

「致富」必須先明確定義何謂富？

在我看來，做任何選擇時，不需要太過考慮價錢，就代表了是一種富有的狀態，通俗點說就是「財富自由」！

另外一個「富」有趣的定義，就是比鄰居更加有錢。因此「富有」的狀態，不但是在實質上有夠用的金錢，並且也代表在心理上，有一個「滿足」的感受。而這種滿足的感覺，會帶來心靈上的安全感，遠離憂慮。

閱讀全文…

②優化退休現金流(上)-自我評估工具

在HAPPY致富方程式，已經將退休的五個關聯變項完整定義，接著，我們要做的就是制定一個適合自己的退休現金流。而目標設立就是最重要的第一步，所謂凡事起頭難，先設定了H (Hope Level期望年花費)。

下載

我們思考一下，如果現在的花費是每個月5萬，到了退休時有那些是可以扣除的，例如保險費、房貸、孩子教育費用等，再加上，退休後會多出的花費，如旅遊、公益、醫藥及保健費用等。

閱讀全文…

③優化退休現金流(下)-資產活化之留房養老

優化退休現金流(上篇)，我們已經聊到了資產活化。而所謂「資產活化」就是將閒置資產增加其效益，一般透過形式的轉換以及前後投報率的落差，達到優化的成果！

多數退休族，理論上會有一棟自住房及一些金融資產，或許也就覺得，沒什麼搞頭了。但對於善於理財的人來說，這可是「無法容忍」的呢！原因為何，在接下來的論述中，您可能會有非常大的驚訝與收獲！

閱讀全文…

④退休現金流優化案例一：企業高管林小姐

45歲林小姐是一位企業高管獨立女性，年收入200萬，因為收入高且穩定，因此對於生活品質極為講究，疫情前每年至少出國二次，幸好對於名牌並不追求，二十多年的工作也積累了一些資產。曾經也聽從銀行理專的建議，買過基金及銀行商品，初期績效還算滿意，可惜遇到2008年次貸風暴，部份的投資腰斬，令她對於投資更加的保守。

再加上工作實在非常忙碌，因此再也未進行任何的投資理財，只要存款累積到一個程度，就會把活存轉為定存。就在幾年前，父母強力鼓吹之下，除了自住外另外購置了一個收租的房產，買價1500萬，貸款本息每月攤還20000，每月可收租30,000，扣除維護成本後年報酬率(ROA：Return of Asset)約1.5%。

閱讀全文…

⑤30天內提升3倍資產總體投報率

投資理財是一輩子的功課，就像減肥，我們可能不喜歡減肥，但卻一輩子都要減。所以，在進行這個主題討論前，我們對於自己的了解，可以先將自己歸類：

第一類：也是最容易成功的是真心喜歡研究投資理財，平時也會涉獵相關訊息，而即便短期的失利，也仍然持之以恒的投資者

第二類：確實認為投資理財很重要，會用心的做好資產配置，並且在重大變化時認真進行檢討及調整

第三類：對投資理財漠不關心，甚至排斥任何相關訊息，大部份的可動用資金皆在銀行存款或保險裡

您是屬於那一類人呢？如果您是第二類或第三類人群，誠心的建議，您一定要嘗試跟著這篇文章做些功課！

閱讀全文…

⑥錢存夠，少了5件事退休保護力大不足！

人老了，錢存夠只是基本60分及格。要能無憂的享受老後生活，必須能把許多的擔心和風險拋諸腦後，心若靜下來了，人清爽了，日子就無限美好了！

至於人老後會有什麼樣的風險，參考這篇今周刊文章：老後獨居的9大風險，你真的完全了解嗎？ 列舉了以下9大風險：

閱讀全文…

如果您覺得這幾篇文章的確有所幫助，可以請我喝杯☕哦！

3Q~ありがとうArigato~Merci~感恩啦！

掃左側 QR 碼或點擊下方信用卡付款連結都！Thank you~😘

https://p.ecpay.com.tw/B7A9FD9

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