赚够了多少钱，才算财务自由？

huagongkeji

There will come atime in everyone’s life when they will choose to stop working and mustdetermine how much income they’ll require from their retirement savings.

每个人生命中都会迎来这个时期——要选择停止工作并确定养老金会带来多少收入。

Those who arefortunate will have a large nest egg to draw from and can live comfortably andwithout worry. But that’s not true for everyone.

幸运的人会有一大笔养老金，可以高枕无忧，但并非人人如此。

These days, peopleare living longer and may need income for 25, 30, or even 40 years. How muchmoney does a retiree need to save?

现在的人更长寿，可能要领25、30甚至40年养老金，退休人员要攒多少钱呢？

Is $500,000enough?

500,000美元够吗？

For many people,that total may not be sufficient. But the right investment portfolio couldprovide enough income to get you by.

对很多人来说，这个总数可能不够，但选对理财产品就能保证你安度晚年了。

Let’s assume thata person is receiving about $17,000 annually from Social Security, which isroughly the average payment for those receiving benefits today.

我们假设一个人每年从**领17,000美元，大概是现在养老金的平均数额。

The rest of theirannual income must come from their investment portfolio of $500,000.

其余的年收入来自500,000美元的投资收益。

That means thatthey will need to pull in about $33,000 from their investments just to earn$50,000 in their first year of retirement.

这就意味着退休第一年想要有50,000美元的收入，他们投资收益大约要有33,000美元。

We should assumethat inflation will cause income needs to rise, so the retiree’s investmentportfolio needs to increase as well.

我们要假设通货膨胀会导致收入需求的增长，所以退休人员的投资收益也要随之增加。

Thus, it’simportant to have a portfolio that can protect your savings while also allowingit to grow faster than your annual withdrawals. This means finding the rightbalance between stocks and fixed income investments.

因此很重要的是要找到一个既能保护你的积蓄，又能保证收入增速超过年消费增速的理财产品，这意味着要在股票和固定收益类投资之间找到一个平衡。

Keep in mind thatmost financial advisors recommend following the “four percent rule” regardingthe withdrawals on accounts.

你要记住大部分投资顾问提到账户提款时都会给出下面的“百分之四原则”。

This guidelinesuggests that to ensure retirement savings will last for the rest of theirlives, they should not withdraw more than 4 percent of their income on anannual basis.

这个指导原则建议你为了保证退休金能让你安度晚年，每年取款钱数不能超过收入的4%。

With $500,000 insavings, most investors will be forced to either violate the four percent ruleor live on a very small income.

大部分投资者有500,000美元的存款也会被迫要么违反百分之四的原则，要么靠很少的收入维持生活。

Let’s examine 2possible investment portfolios of $500,000 and a look at the potential income.

我们来看两组500,000美元可以买的理财产品以及潜在的收入。

In this scenario,20 percent of an investor’s portfolio would be placed into equities, with theother 80 percent invested in fixed income.

这个方案中，投资者收益的20%投到股票上，剩余80%用于投资固定收益的产品。

The equities wouldbe in a basic S&P 500 index fund or similar investments designed to mirrorthe movement of the overall stock market. The fixed income investments would belargely comprised of bonds, with some cash and CDs.  

股票是标准普尔500指数基金或类似的投资产品，要能反映整个股市的走势。固定收益的投资中大部分是债券，还有一些现金和活期存款。

With this muchmoney placed in fixed income securities, a person’s portfolio would bereasonably protected against a bad stock market crash. However, this portfoliomight struggle to generate the kind of income the retiree needs.

大部分钱放在固定收益的投资中，个人收益就会得到合理的保护，以免遭遇糟糕的股市暴跌。然而这笔收益产生的收入勉强够退休者所需。

Doug Amis, theowner and CEO of Cardinal Retirement Planning, notes that between 1926 and2017, a 20/80 portfolio generated an average annual return of 6.7 percent.That’s barely above the withdrawal rate needed to produce the necessary $33,000and investors with shorter time horizons may see lower returns.

卡迪纳尔退休计划的老板兼首席执行官Doug Amis指出，1926年-2017年间20/80的投资方案创造了年均6.7%的回报率，刚刚超过要赚到所需的33,000美元的提款比率，短期投资者的收益会更少。

This portfoliocould work, Amis says, but “it’s not what we would recommend based on futureexpected returns.”

Amis说这个方案有用，但“基于未来预期收益我们并不建议这种投资”。

Amis says a betterportfolio would place involve placing half of the funds in equities and theother half in fixed income.

Amis说，更好的理财产品要用一半资产买股票，另一半买固定收益的投资产品。

The equities couldbe placed in a combination of U.S. equities, along with stocks and fundsfocused on international and emerging markets.

股票包括美股和以国际和新兴市场为主的股票和基金。

Research fromVanguard suggests such a portfolio has generated an average annual return of8.4 percent over time. That would bring about $42,000 in annual income thefirst year and give the retiree some extra cushion and allow some accommodationfor inflation.

领航投资（先锋集团）的研究表明长期做这样的投资能产生年均8.4%的收益，第一年年收入约为$42,000，退休者能有一些额外存款并抵消通货膨胀带来的损失。

However, it’s keyto note that the additional equity does bring some additional risk.

然而值得注意的是额外的股票的确会增加风险。

A 50/50 portfoliolost money in 17 of 92 years between 1926 and 2017, compared to 12 down yearsfor the 20/80 portfolio.

50/50的投资方案在1926年-2017年的92年间有17年是赔钱的，相比之下20/80的投资方案有12年赔钱。
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STA8023

钱永远赚不够

reichina

不花钱是真正的财务自由

liangda6

有赚够钱的时候？

ftecagan247

hubaolin

10亿旧够了

北柠陌涵

没有赚够的时候

42988533

够花就自由了

hubaolin

xxxxxxx

zjwmcl

够花就行 多了没用

luduo2001

还有一个心态问题，关键是很多人难以达到这种境界。

thankwc

光子魂

天天学习英语，还真不错

断弦说书人

学习一下放弃很久的英语

BatteryX

恭喜恭喜，楼主厉害了。
楼主辛苦了楼主辛苦了楼主辛苦了

云淡风也轻

wygnei

谢谢分享！

as85331446

看个人把，钱财，生不带来死不带去，够用就好。