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美国夫妇平均为退休储蓄了这么多钱——您如何比较？
退休是经过多年努力工作后理想的放松和享受的时期，通常被认为是追求爱好、旅行或只是放松的时间。 寻找信托财务顾问并不难。 SmartAsset 的免费工具可在几分钟内为您匹配最多 3 位为您所在地区提供服务的财务顾问。
想与专业人士交谈吗？ 立即参加免费退休测验，并与经过审查的信托财务顾问交谈。
2%您现在的年龄是多少？
65岁以上
61 - 65
56 - 60
46 - 55
36 - 45
35岁以下
下一个这项调查将为您匹配最多 3 位经过审查的信托财务顾问。 SmartAsset 为您的顾问提供与您的调查回复的匹配，这有助于他们了解您的财务目标。 您的顾问匹配是根据您的位置和/或与远程顾问合作的愿望以及您声明的资产数量来选择的。 SmartAsset 还考虑每个顾问的广告预算； 因此，预算较多的顾问更有可能出现在结果页面上。 所有顾问必须符合相同的审查标准。SmartAsset Advisors, LLC（“SmartAsset”）是 Financial Insight Technology 的全资子公司，在美国证券交易委员会注册为投资顾问。 SmartAsset 的服务仅限于将用户推荐给在美国监管机构注册或特许为受托人的第三方顾问（“顾问”），这些顾问根据通过我们的在线服务从用户收集的信息选择参与我们的匹配平台。 调查问卷。 SmartAsset 不会审查任何顾问的持续表现、参与顾问对任何用户帐户的管理或提供有关特定投资的建议。 SmartAsset 不管理客户资金或保管资产。 投资涉及风险，包括本金损失。 与顾问合作可能会带来潜在的负面影响，例如支付费用（这会减少回报）。 有关更多信息，请参阅 SmartAsset 的服务条款和隐私政策。 这是付费广告。 由于发布此调查的网站有推广 SmartAsset 的经济动机，因此存在潜在的利益冲突。 付款方式包括 CPC、Cost+ 和 RevShare。阅读更多
但对许多人来说，人生的这个阶段被财务担忧所破坏，将本应是黄金时代变成了恐惧之源。 Zety 最近的一项研究揭示了这种日益严重的担忧，显示 40% 的美国人对退休的恐惧超过对死亡的恐惧，这主要是因为财务上的不安全感。
这种恐惧在已婚夫妇中更为严重，他们面临着为两个具有不同财务需求的人进行计划的复杂性。 NerdWallet 的一项研究使用 2022 年消费者财务调查，强调了这一挑战，表明 60% 的美国人缺乏退休专用账户。 按年龄组划分的平均家庭退休储蓄的差异进一步说明了这个问题：
35 岁以下：49,130 美元（中位数：18,880 美元）
35 至 44 岁：141,520 美元（中位数：45,000 美元）
45 至 54 岁：313,220 美元（中位数：115,000 美元）
55 至 64 岁：537,560 美元（中位数：185,000 美元）
65 至 74 岁：609,230 美元（中位数：200,000 美元）
这些数字显示平均储蓄和中位数储蓄之间存在显着差距，表明不同年龄组的财务准备情况广泛。
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为了指导夫妇进行退休规划，T. Rowe Price 提供了收入倍数的储蓄基准，该基准因家庭收入和婚姻状况而异。 例如，一对双收入已婚夫妇在 55 岁时年收入为 75,000 美元，其退休储蓄应等于其收入的 5 倍，到 65 岁时应增加到 8.5 倍。相比之下，相同收入水平的单一收入者 55 岁时收入的目标应该是其收入的 4.5 倍，到 65 岁时增加到 7 倍。这些基准针对较高收入阶层而扩大。
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为了解决这些问题，财务顾问是关键。 他们提供个性化指导，帮助夫妇根据他们独特的财务状况和目标制定全面的退休计划。 对于那些担心退休金的人来说，有几种实用的解决方案：
提高储蓄率：即使是小额储蓄增量也能产生显着的长期效益。最大化退休账户：充分利用雇主资助计划和个人退休账户 (IRA) 的潜力。减少债务：降低高息债务可以释放退休储蓄资源。延迟社会保障：推迟福利可能会导致每月付款更高。多元化投资：均衡的资产组合可以优化回报并降低风险。制定预算：跟踪费用有助于确定节省
The Average American Couple Has Saved This Much Money For Retirement — How Do You Compare?
Retirement, ideally a period of relaxation and enjoyment after years of hard work, is often envisioned as a time to pursue hobbies, travel or simply unwind. Finding a fiduciary financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to 3 financial advisors that serve your area in minutes.

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61 - 65
56 - 60
46 - 55
36 - 45
Under 35
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But for many, this phase of life is marred by financial worries, transforming what should be a golden era into a source of dread. A recent study from Zety sheds light on this growing concern, revealing that 40% of Americans fear retirement more than death, primarily because of financial insecurities.
This fear is more acute among married couples, who face the added complexity of planning for two people with varying financial needs. A NerdWallet study, using the 2022 Survey of Consumer Finances, underscores this challenge, indicating that 60% of Americans lack a retirement-specific account. The disparity in average household retirement savings by age group further illustrates this issue:
Under 35: $49,130 (median: $18,880)
Ages 35 to 44: $141,520 (median: $45,000)
Ages 45 to 54: $313,220 (median: $115,000)
Ages 55 to 64: $537,560 (median: $185,000)
Ages 65 to 74: $609,230 (median: $200,000)
These figures show a significant gap between the average and median savings, pointing to a broad spectrum of financial preparedness across different age groups.

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To guide couples in their retirement planning, T. Rowe Price provides savings benchmarks as multiples of income, varying by household income and marital status. For example, a dual-income married couple with an annual income of $75,000 at age 55 should have retirement savings equal to five times their income, which should increase to 8.5 times by age 65. In contrast, a sole earner at the same income level should aim for 4.5 times their income at age 55, increasing to seven times by age 65. These benchmarks scale up for higher-income brackets.
Take Action: Locate a financial advisor near you, for free.
To address these concerns, financial advisers are key. They offer personalized guidance, helping couples create comprehensive retirement plans based on their unique financial situations and goals. For those anxious about their retirement funds, several practical solutions exist:
Increase savings rate: Even small increments in savings can yield significant long-term benefits.Maximize retirement accounts: Use employer-sponsored plans and individual retirement accounts (IRAs) to their fullest potential.Reduce debt: Lowering high-interest debt frees up resources for retirement savings.Delay Social Security: Postponing benefits can lead to higher monthly payments.Diversify investments: A balanced mix of assets can optimize returns and mitigate risks.Create a budget: Tracking expenses helps identify savings opportunities.Consider working longer: Additional working years can boost retirement income and savings.Review and adjust regularly: Keeping retirement plans up to date ensures alignment with changing financial circumstances.



贴主:TopAI于2024_05_10 11:05:44编辑