「要準備多少錢纔能退休呢？」其實因人而異但如果想過還不錯的退休生活新聞英文》退休金多少纔夠？這樣存就對瞭

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趣味新聞網記者特別報導 : 「要準備多少錢纔能退休呢？」其實因人而異，但如果想過還不錯的退休生活，必須存多少退休金呢?根據美國退休投資機構推算，至少必須存下工作最後一年年收入的「十倍」以上纔夠養老，而且不要以為養老金是中年以後的 .....

「要準備多少錢纔能退休呢？」其實因人而異，但如果想過還不錯的退休生活，必須存多少退休金呢?根據美國退休投資機構推算，至少必須存下工作最後一年年收入的「十倍」以上纔夠養老，而且不要以為養老金是中年以後的事，必須從20歲開始循序漸進，纔有可能達標。至於要怎麼存錢纔能夠達到這個「神奇數字」呢?點擊下方《子璿教英文》新聞英文，子璿老師將告訴你一些步驟及公式，可以一邊學英文，一邊學理財唷~~

●What’s the magic number for your retirement savings?

退休需要存多少錢?

How much money do you need to retire well? It’s a million-dollar question that, for some Americans, may require more than $1 million to answer.

如果想要好好的退休需要存多少錢呢?這是一個價值一百萬美元的問題，對某些美國人來說，可能需要花費超過一百萬美元纔能迴答這個問題。

To be financially ready to retire by age 67, says Fidelity Investments — the nation’s largest retirement-plan provider — you should aim to have 10 times your final salary in savings.

如果想在67歲之前準備好退休金，根據投資機構—全美最大退休計畫提供組織說，必須存到工作最後一年年收入十倍的錢纔夠養老。

That’s the 〝magic number,〞 and it applies to investors with a broad range of income, from about $50,000 to $300,000 a year.

這個神奇數字，也適用於投資者，年收入範圍從五萬塊美金到30萬美金。

Planning for a seven-figure nest egg may seem to be an intangible retirement savings goal. Trying to set benchmarks along the way — based on your age and earnings — might be more realistic.

人們對於存下七位數的百萬養老金，似乎還是有點懷疑這樣夠嗎?事實上，人生中要試著設定標準，以你的年齡、收入來做變動，這樣的標準比較實際。

〝It’s easy to get your mind around,〞 said Manisha Thakor, director of wealth strategies for women at The BAM Alliance. 〝The Fidelity metric is clear, memorable and, for most people, still a stretch, so it will get them thinking, Wow, I need to save more.〞

財富策略專傢說，雖然退休投資機構所訂定的退休金標準，好像很清楚、容易記，但對大多數人而言，仍有疑慮，因此大傢可以思考一下，有可能需要存得更多。

Here is the time line in which Fidelity suggests you increase your savings so that you can reach that magic number:

這裏有一個時間序，退休投資機構建議，要增加儲蓄纔有機會存到退休金的神奇數字：

• In your 20s, put enough away so that by the time you turn 30, you’ll have the equivalent of your salary saved.

20歲開始要存足夠的錢，到30歲以前，你的存款纔會與你的年收入相當

• By 40, aim to have three times your salary saved up.

到瞭40歲，存款要是年收入的三倍

• By age 50, you should have enough saved to equal six times your salary.

50歲時，存款要達到年收入的六倍

• By age 60, your savings should be eight times your salary.

60歲時，存款要是年收入的八倍

• And 10 times your salary by the full retirement age of 67.

到瞭67歲，你就可以存到年收入的十倍瞭

Of course, life doesn’t always fit neatly into a formula. You may need to adjust along the way, be open to saving more or less in any given year, and work toward making up any investment losses. Seeking the advice of a financial planner may be another important step to take to help you reach your retirement goal.

當然，生活並無法總是那麼恰好的符閤公式，但是一生中可以自由地做彈性調整，包括努力工作以彌補投資的損失，尋求一些財務專傢的建議，採取某些步驟達到你的目標。

【重要單字片語】

require：動詞，需要

aim：動詞，目標對準

salary：名詞，薪資；薪水

nest egg：名詞，養老金；儲蓄金

intangible：形容詞，模糊的；難以界定的

benchmark：名詞，標準；基準

earning：名詞，收入

realistic：形容詞，實際可行的

metric：名詞，標準

stretch：名詞，麯解