绝望了!看到关于有多少存款可以退休的调查

美国和加拿大,超过40%的人,拿步出2000元的应急款,怎么退休?
 
银行的利息,最终肯定没通货膨胀多

那就只有学会理财.

比如股市 - 这需要你自己投入精力.
还有就是保险.
 
美国和加拿大,超过40%的人,拿步出2000元的应急款,怎么退休?

Ottawa有20多万公务员.他们的退休金平均也有3000以上吧.这意味着Ottawa有一半的人被3000+罩着.他们退休后担心的是如何花掉这3000,而不是担心钱不够用.:smokin:
 
LZ提出70多万的需求时没考虑CPI.

找一个退休金和CPI挂钩的工作就可以解决问题了,比如说老师,公务员,邮递员。。。汽车工会会员似乎也行
 
还是没有百万啊 ;)

查理糊涂,你也糊涂了。

我是说,花近50万去买6/49,脑子有毛病啊!:blowzy::flaming:
 
找一个退休金和CPI挂钩的工作就可以解决问题了,比如说老师,公务员,邮递员。。。汽车工会会员似乎也行

这个主意不错!:D:D
 
太多的"伪"命题. 提出一个大的金额, 如75万, 多少有点忽悠人. Sorry I have to type in English below (中文输入不给力).

First, here are some $ you can get as an average Canadian. In 2007, on average, Canadians received between $10000-15000 from private pensions (employers and own RRSP); $4000 - 6200 from CPP/QPP; $7100 from OAS; and for those whose income was below a poverty line (a single person with less than $16176 income per year), got an additional $6000. Take the lower bound (as a lot of us started work late, or moved in here not too long ago), you will be able to get about $25000 per year if you worked and lived in Canada long enough (some provinces have additional benefits). If now you earn about $33000 per year (after-tax) and you live well, then if you retire today and get $25000 per year, that is 75% of your pre-retirement income, you should be able to live a comfortable retirement life.

Seond, do not use the CPI to confound the things and yourself. You never know how long you will live and how high the inflation can be in the future. The rule of thumb is that, upon retiring, if you can receive as much as 75% of your pre-retiring income, you would be ok.

Plus, assuming you get a house, then from Reverse mortagage (CHIP), you can get as much as 50% of your home equity as a lump sum or as monthly payment to you.

Finaly, a joke. After we spent all of our money and we are about to die, we still have credit cards to get cash advance or to purchase things (比如去实现闲侄的计划). So 哥们姐们小的们, here is a 损招: let's all get as many credit cards as possible and spend/borrow as much as possible, just pay the minimum amount due (so as to keep the cards and continue to use/abuse them). We can all die while each owing the banks millions of dollars and there will be no way the banks 向我们讨债--:). This will give the bank "some colour to see see". 看你们还找我们申请你们的卡不! So老乡们, nothing to worry about about this retirement today. 顺祝大家中秋节愉快!
 
CPP/QPP: Canada/Quebec Penson Plan.
OAS: Old Age Security.
GIS: Guaranteed Income Supplement (that $6000 per year for somebody whose income is below the poverty line).
 
认识一退休的老师,55岁时就退了,现在快65了,看上去确实一副担心如何把钱花掉的感觉。


Ottawa有20多万公务员.他们的退休金平均也有3000以上吧.这意味着Ottawa有一半的人被3000+罩着.他们退休后担心的是如何花掉这3000,而不是担心钱不够用.:smokin:
 
如果两个人都拿低保的话,加起来2000多每月,应该不是太难过。刚来时的第一份工作,拿最低工资,$8/小时,有一白人老头同事,每次一拿到工资就去饭店吃,基本上一个星期就花光了,第二个星期就开始借钱了。像这样的就是$3000/每月也是不够花的。在这点上, 我同意挺傻,拿低保我也可以活得挺好的。当然了,我不相信挺傻是会需要拿低保的。:)

真傻,我见到的那政府低保的没一个过挺好的。看到他们我怎么都欣慰不起来了。
 
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