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。

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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)。

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。

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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!

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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%。

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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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