800,000 美元能让我退休多久？
174
鲍勃黑格勒
太平洋夏令时间 2023 年 6 月 10 日，星期六，早上 6:00
800k退休能用多久
800k退休能用多久
为退休储蓄是确保您的财务未来的最重要部分之一。 虽然像社会保障这样的计划可以提供帮助，但它们本身往往是不够的。 这就是拥有自己的退休储蓄至关重要的原因。 您可能想知道多少钱才足够； 例如，你能靠 800,000 美元生存吗？ 让我们来看看。

如需更多帮助规划您的退休生活，请考虑与财务顾问合作。

确定退休费用

了解您的钱能维持多久的第一步是计算您的生活费用：

固定费用

固定费用是那些从一个月到下一个月都不会改变的费用。 例如，这可能包括租金或抵押贷款、保险费和水电费。 将这些费用加在一起，看看您每月和每年花费多少。

可变费用

可变费用是每月不一样的费用。 许多事情都属于这一类，包括差旅费、医疗保健费、招待费和慈善捐款。 由于这些费用是可变的，您可能必须限制每月可以花在这些费用上的金额。 如果达到该限制，则必须使用预算中其他地方的资金或放弃购买。

计算退休收入

800k退休能用多久
800k退休能用多久
下一个挑战是计算退休收入。 这可能比在工作时计算收入更具挑战性，因为您可能有更多的收入来源。 例如，您的退休收入可能包括：

社会保障

养老金计划

退休储蓄

好消息是社会保障和养老金福利不会从一个月到下一个月发生变化。 它们可能包括每年增加的生活成本，但它们的相对稳定性使围绕它们进行规划变得更加容易。 更难规划的是退休储蓄，尤其是如果您依赖投资的话。 您可以使用 SmartAsset 的免费退休计算器来查看您是否正在按计划实现您的退休目标。

估计退休时间

规划退休的另一个挑战是估计您的退休时间。 这不是一个容易回答的问题，因为许多变量都会影响预期寿命。 然而，估计您的预期寿命是退休计划的重要组成部分。 人们的寿命比过去更长，因此如果您退休后还能活几十年，请务必做好准备。 美国目前的预期寿命约为 77 岁。

除了预期寿命之外，您还应该考虑诸如您目前的健康状况和家族史等因素，以及这将如何影响您的预期寿命。 最后，您应该使用通货膨胀计算器来了解您的钱还能维持多久。

退休投资组合风格

800k退休能用多久
800k退休能用多久
下一步是确定您的投资策略。 例如，您的投资组合可能更保守，也可能更激进。 以下是 800,000 美元退休投资组合的快速浏览，具体取决于您的策略：

保守组合

使用保守的投资组合，您的投资将主要由相对低风险的投资组成。 例如，您可能有：

50% 债券（400,000 美元）

30% 现金（240,000 美元）

20% 的股票（160,000 美元）

保守投资组合的目标通常是财富保值而非财富积累。 因此，您也可以关注支付股息的蓝筹股而不是成长股。

平衡投资组合

平衡的投资组合可能适合希望兼顾增长和收入并愿意接受一些风险以换取更高回报的退休人员。 您的资产配置示例可能是：

50% 的股票（400,000 美元）

30% 债券（240,000 美元）

20% 现金（160,000 美元）

该投资组合包括明显更高的股票配置，现金比例最低。 平衡的投资组合通常包括股票、债券和现金的组合。 它倾向于专注于提供增长和收入组合的多元化投资。

激进的投资组合

激进的投资组合可能适合时间跨度较长的退休人员，他们愿意接受更高的风险以换取更高的潜在回报。 如果您拥有 800,000 美元的激进退休投资组合，股票将成为您投资组合的重点：

70% 的股票（560,000 美元）

20% 的债券（160,000 美元）

10% 现金 ($80,000)

激进的投资组合可能包括高增长股票和小盘股的组合。 一些激进的投资者可能会冒险进行另类投资，如商品或贵金属。

重要的是要注意，这些只是示例，您的退休投资组合的正确投资策略 
激进的投资组合可能包括高增长股票和小盘股的组合。 一些激进的投资者可能会冒险进行另类投资，如商品或贵金属。

请务必注意，这些只是示例，您的退休投资组合的正确投资策略将取决于您的个人目标、风险承受能力和时间范围。 在做出任何重大投资决定之前咨询财务顾问始终是个好主意，尤其是在涉及退休计划时。

底线

800,000 美元可以在退休后维持多久取决于您的开支、退休收入以及您的退休时间等因素。 如果您从养老金和社会保障等来源获得可观的收入，那么 800,000 美元的投资组合可以持续多年。 如果您的开支很低并且您没有大量的医疗保健费用，则尤其如此。 但同样，也有很多变数。 最好与财务顾问会面，他将帮助您制定定制的退休计划。

退休储蓄小贴士

财务顾问可以指导您做出重大财务决策，例如确定您的投资策略。 SmartAsset 的免费工具可为您匹配最多三位为您所在地区服务的财务顾问，您可以免费与您的顾问进行面谈，以决定哪一位最适合您。 如果您准备好寻找可以帮助您实现财务目标的顾问，请立即开始。

决定如何投资可能是一个挑战，尤其是当您不知道随着时间的推移您的资金会增长多少时。 SmartAsset 的投资计算器可以帮助您估算您的资金将增长多少，从而帮助您决定哪种类型的投资适合您。
https://finance.yahoo.com/news/long-800-000-last-retirement-133441471.html
How Long Will $800,000 Last Me in Retirement?
174
Bob Haegele
Sat, June 10, 2023 at 6:00 AM PDT
how long will 800k last in retirement
Saving for retirement is one of the most important parts of securing your financial future. While programs like Social Security can help, they often aren’t enough on their own. This is why it is crucial to have retirement savings of your own. You may be wondering exactly how much money is enough; for instance, could you survive on $800,000? Let’s take a look.

For more help planning your retirement, consider working with a financial advisor.

Determining Retirement Expenses

The first step to knowing how long your money will last is to figure out your living expenses:

Fixed Expenses

Fixed expenses are those that don’t change from one month to the next. For example, this might include rent or a mortgage, insurance premiums and utilities. Add these expenses together and see how much you spend monthly and annually.
Variable Expenses

Variable expenses are expenses that are not the same every month. Many things could fall into this category, including travel expenses, health care costs, entertainment and charitable donations. Because these expenses are variable, you will likely have to set a limit on how much you can spend on them each month. If you reach that limit, you must either use money from elsewhere in your budget or forego the purchase.

Calculating Retirement Income
how long will 800k last in retirement
The next challenge is calculating retirement income. This can be more challenging than calculating your income while working because you might have more sources of income. For example, your retirement income might include:

Social Security

Pension plans

Retirement savings

The good news is that Social Security and pension benefits don’t change from one month to the next. They might include cost of living increases each year, but their relative stability makes planning around them easier. What can be tougher to plan around is retirement savings, especially if you are relying on investments. You can use SmartAsset’s free retirement calculator to see if you are on track to meet your retirement goals.

Estimating the Length of Retirement

Another challenge of planning for retirement is estimating how long your retirement will be. This is not an easy question to answer, as many variables can affect life expectancy. However, estimating your life expectancy is an important part of retirement planning. People live longer than they used to, so it’s important to be prepared if you will live several decades after you retire. The life expectancy is currently about 77 years in the United States.

In addition to life expectancy, you should consider things like your current health and family history and how that will affect your life expectancy. Finally, you should use an inflation calculator to see how long your money will last.

Retirement Portfolio Styles
how long will 800k last in retirement
The next step is to determine your investment strategy. For example, your portfolio might be more on the conservative side, or it could be more on the aggressive side. Here is a quick look at how an $800,000 retirement portfolio might look, depending on your strategy:

Conservative Portfolio

With a conservative portfolio, your investments will consist mainly of relatively low-risk investments. For example, you might have:

50% bonds ($400,000)

30% cash ($240,000)

20% stocks ($160,000)

The goal of a conservative portfolio is generally one of wealth preservation rather than wealth building. Thus, you might also focus on blue-chip stocks that pay dividends rather than growth stocks.

Balanced Portfolio

A balanced portfolio may be appropriate for retirees who want a mix of growth and income and are willing to accept some risk in exchange for higher returns. An example of your asset allocation might be:

50% stocks ($400,000)

30% bonds ($240,000)

20% cash ($160,000)

This portfolio includes a noticeably higher allocation to stocks, and cash becomes the lowest percentage. A balanced portfolio often includes a mix of stocks, bonds and cash. It tends to focus on diversified investments that offer a mix of growth and income.

Aggressive Portfolio

An aggressive portfolio may be appropriate for retirees with a longer time horizon who are willing to accept higher risk in exchange for higher potential returns. If you have an aggressive $800,000 retirement portfolio, stocks become the focus of your portfolio:

70% stocks ($560,000)

20% bonds ($160,0000

10% cash ($80,000)

An aggressive portfolio might include a mix of high-growth stocks and small-cap stocks. Some aggressive investors might venture into alternative investments like commodities or precious metals.

It’s important to note that these are just examples, and the right investment strategy for your retirement portfolio will depend on your individual goals, risk tolerance and time horizon. It is always a good idea to consult with a financial advisor before making any major investment decisions, especially when it comes to retirement planning.

Bottom Line

How long $800,000 will last in retirement depends on factors like your expenses, retirement income and how long your retirement will be. If you have substantial income from sources like a pension and Social Security, an $800,000 portfolio could last for many years. That’s especially true if your expenses are low and you don’t have significant health care expenses. But again, there are many variables. It’s best to meet with a financial advisor who will help you build a custom retirement plan.

Tips for Retirement Savings

A financial advisor can guide you through major financial decisions, like determining your investing strategy. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

Deciding how to invest can be a challenge, especially when you don’t know how much your money will grow over time. SmartAsset’s investment calculator can help you estimate how much your money will grow to help you decide which type of investment is right for you.