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How much retirement income you really need? | Group Retirement

This does not constitute an endorsement by John Jastremski, Group superannuation or the author of the book. The views expressed are those of the author and may or may not be an opinion representative of the Group pension or John Jastremski. John Jastremski, Jeremy Keating, Erik Larsen J, Frank Esposito, Ray Patrick, Robert Welsch, Michael Philip Catalan Reese, Brent Wolf, Andy Starostecki, Group Retirement, AT & T, Verizon

What is enough? What is not enough? If you plan to retire in the near future, you've probably heard or read that you need about 70% of your final earnings to live comfortably in retirement. This estimate is often repeated ... but this does not mean it is true for everyone. It may not be true for you.

You will not learn how much retirement income you'll need to read this section. You'll want to meet with a qualified retirement planner who can help you plan to estimate your needs and lifestyle spending in the short term and long term.

That said, there are certain factors that affect the income needs in retirement - and too often they are ill.

Health. Most of us will face a major health problem at some point in our lives - perhaps even multiple health problems or chronic. We do not want to think about this reality. But if you're a new retiree, thinks for a moment the costs of prescription drugs, and treatment of chronic recurring. These costs minors and adults can really take a bite out of income retirement, even with a map of consumer healthcare. While generics have slowed the advance of prescription drug costs to about 1-2% per year in recent years, 1 found an estimate that a 65 years who retired in 2007 will have $ 215,000 to pay all costs of care health plans - up to about 7.5% from 2006.2

Heredity. If you come from a family where people often live into their 80s and 90s, you can live as long or longer. Imagine retiring at 55 and live to 95 or 100. You would need 40-45 years stable retirement income.

Portfolio. Many people retire with investment portfolios, they did not seen in years, with the allocation of assets that may no longer be appropriate. Recent retirees are sometimes too many risks in their portfolios the result being that the retirement income from their investments from fluctuations with market fluctuations. Other retirees are super-conservative investors: their portfolios are risk-averse that they can not earn enough to cope with moderate inflation, even, and over time, they discover they have the purchasing power of less.

Spending patterns. Do not spend 70% of your salary? Probably not. If you're like many Americans, you probably spend 90% or 95% of it. Are your spending habits radically changed Once you retire? Again, probably not. Most people do not change consumption patterns in response to an economic necessity or the pursuit of new financial goals. People do not want to "live with less" once they had "more".

Social Security (or lack thereof). In 2005, SSI accounted for 39% of typical 65-year retiree's income one. But in 2030, Social Security can not replace 29% of that income, after deductions for health insurance premiums and taxes. Since 1983, pensioners earning more than $ 25,000 in SSI had to pay tax on part of their benefits.3 This is all assuming Social Security is still there in 2030.

So you have enough? When it comes to retirement income, a hypothesis can be terribly inaccurate casual. Meet with a planner qualifying retirement while you're still discussing these factors and estimate how much you really need.

These are the views of Peter Montoya Inc., not name an agent or broker, and should not be construed as investment advice. Neither the name nor representative broker gives tax advice or Legal. All information is believed to be reliable sources, but we make no representation as to its completeness or accuracy. Please consult your financial advisor for more information.

Citations. Nytimes.com/2007/09/21/business/21generic.html 1? _r = 1 & OREC = slogin

2 marketwatch.com / news / history / health-care costs sky-retirement / story.aspx? GUID = {EF2B6CDA-E176-4747-B528-76AC814051C5} & Print = true & dist = PrintTop

3 money.cnn.com/2007/05/14/pf/retirement/nasi__report/index.htm

This material has been prepared by Peter Montoya Inc., and do not necessarily represent the views of John Jastremski, Jeremy Keating, Erik Larsen J, Frank Esposito, Ray Patrick, Robert Welsch Michael Reese, Catalan Philip, Brent Wolf, Andy Starostecki Group and QA3 Financial Corp. or retirement This information should not be construed as advice placement. Neither the name nor the representatives of the broker gives tax or legal advice. All information is believed to be reliable sources, however, we do no representation as to its completeness or accuracy. The publisher is not engaged in rendering legal, accounting or other professional services. If other expert assistance is required, the reader is invited to engage the services of a competent professional. Please consult your financial advisor for more information or call 800-900-5867.

* The Retirement Group is not affiliated fidelity.com with nor endorsed by, netbenefits.fidelity.com, hewitt.com, resources.hewitt.com, access.att.com, AT & T, Qwest, Chevron, Hughes, Northrop Grumman, Raytheon, ExxonMobil, GlaxoSmithKline, Merck, Pfizer, Verizon or your employer. We are an independent financial adviser who specializes in transition Planning and distribution fee. Please call our office at 800-900-5867 if you have questions or need help in the planning process retirement.

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About the Author

John Jastremski is a Representative with QA3 Financial and may be reached at The Retirement Group 800-900-5867

 

For free information: http://theretirementgroup.com/new/retiregroup2/content.asp?contentid=2016566828

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