由于美联储提高利率以对抗通货膨胀,对经济产生了许多明显的影响。 现在住宅担保贷款利率和车辆贷款利率比18个月前还高,很多情况下翻了一番。 另一方面,储蓄者现在获得更高的利率,将更多的钱放在口袋里。

与养恤金计划有关的整笔付款的价值变化并不总是那么明显。 毕竟,确定的福利计划不再像以前那样经常被用作退休战略。 劳工统计局报告说,只有15%的私营部门雇员能够获得确定的福利计划。

界定福利计划的运作与较典型的界定供款计划的运作略有不同。 确定福利年金计划可以让你一次性领取福利金,但它通常保证成员有一定水平的退休收入,而不是特定的金额。 一次性付款的数额取决于该计划产生预期收入的能力。 这就是目前利率变化如此大的原因。

一段时间以来,我们一直被创纪录的低利率所包围。 结果,负责管理确定福利计划的人不得不拨出更多的钱来支付承诺的收入。 由于利率迅速上升,许多计划正在改变它们必须保留多少储备。

这可能导致提供选择的计划的一次总付福利大幅度减少。 据消息人士透露,有关数字已下跌20%至30%。 如果整笔拨款减少25%,便会损失 75,000元。

正如已经指出的那样,只有15%的私人雇员享受确定的福利计划。 其中许多人的计划不提供一次性付款。 如果你有一笔总付的选择权,并且想尽快退休,那么知道你的计划的整笔总付福利计划何时根据当前的利率进行调整也许是有价值的。

如果你接近退休,并且有资格从确定的福利计划获得一笔总付,那么在福利被重置之前考虑退休是有意义的。 “如果你准备好了”是关键句。 在计算完退休预测后,如果你还有几年的工作要做,那么提前退休可能就不值得了。

我认为,由于额外分配年限、多年未缴摊款和可能增加的医疗费用,很难提前4至5年退休。 此外,未来几年利率可能下降,这将再次增加一次性分配。 享受福利和退休是需要考虑的事情,你现在是否准备好这样做,还是有另一份工作可以选择。

毫无疑问,由于利率上升的气候长期化,在低利率环境下取得成功的传统战略将发生重大变化。 了解你的计划如何分配收益和考虑利率波动,对于确定收益计划至关重要。 你将做出的一个最重要的退休决定是何时以及如何领取退休金。

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