本文将告诉你7个最糟糕的退休策略,正如一位理财规划师所警告的那样。

A. 导言

有很多方法可以毁掉你的退休生活。 你可以选择错误的退休日期,过早或过晚退休。 你可能无法计划长期护理费用,留下你自己和你的家人经济拮据。 或者你可能犯下一个(或更多)其他常见的退休错误:

没有足够的储蓄: 很难估计你退休后需要多少钱,但大多数专家一致认为,你应该至少存足够的钱来支付10年的开销。

投资过于保守: 许多人随着退休年龄的增长而变得厌恶风险,但是过于保守的投资会使你的投资组合增长不足,无法跟上通货膨胀。
不分散投资:分散投资是降低投资风险的关键,然而许多退休人员却将所有的鸡蛋放在一个篮子里,不管是他们的家、一只股票,甚至是现金。
缴付过多费用: 投资费用会侵蚀你的回报,所以一定要了解你所考虑的任何投资产品的相关费用。
不要定期调整投资组合: 随着离退休越来越近,为了减少退休前或退休期间的市场萧条中亏损的风险,可能需要重新调整投资组合。
依靠社会保障作为你唯一的收入来源: 社会保障
7种最糟糕的退休策略

储蓄不足: 这是迄今为止最糟糕的退休策略,因为它让你没有足够的资金来维持自己的退休生活。
依靠社会保障: 社保从来就不是你退休的唯一收入来源,但许多人依赖社保。 这是一场灾难,因为社会保障福利将在未来被削减。
不要让你的投资组合多样化: 多元化是退休投资的关键,但很多人并不这样做。 如果你的某项投资停滞不前,这会导致巨大的损失。
冒太多风险: 很多人认为,退休前有时间来弥补任何损失,因此,在投资上冒更多的风险是可以逃脱的。 然而,这是一种危险的策略,因为它可能会适得其反,让你退休时没有必要的资金。
提前从你的退休账户中取款:提前动用你的退休储蓄是一个巨大的错误,如果你不小心的话,这会给你留下一个较小的积蓄和惩罚。
没有计划:如果你想有一个舒适的退休生活,退休计划是至关重要的,但是很多人没有这样做。 这可能会导致各种各样的问题,包括没有足够的钱来维持生活,或者生活超出你的储蓄。
不能保持健康:你的健康是最重要的之一
参见:成功退休的四大障碍
四. 结论

有许多退休策略,但并非所有的策略都是平等的。 其中有些是彻头彻尾的可怕,会让你处于比以前更糟糕的境地。 这就是为什么意识到最糟糕的退休策略很重要,这样你才能不惜一切代价避免他们。

我们希望这篇文章能帮助你了解七种最糟糕的退休策略,以及为什么你应该避开它们。 记住,你的退休生活应该是你能够放松和享受的时刻。 别让坏计划毁了你的计划。

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