When entering retirement, would it be best to transfer your pension fund and 401(k) from your employer account to your own personal individual retirement account (IRA), keeping them under one roof?  -Randy There are a couple of things to be aware of as you consider whether to move your retirement accounts after you retire. I like to start by first considering how different decisions affect your plan. Then, I factor in convenience.  In your case, I’d separate the components into separate decisions for your p ...

退休收入规划 - 退休收入计算基于储蓄与社会保障金的组合 其中100万美元退休储蓄与每月2500美元社会保障金可形成基本收入框架 [1][2] - 100万美元储蓄在30年退休周期中按月提取可产生约2700美元月收入 结合社会保障金后月总收入达5200美元 [6] - 现金类储蓄方式即使按美联储基准利率2%计算 实际收益率仍低于通胀水平 导致购买力持续衰减 [6] 投资组合配置 - 退休投资需综合考虑现金、债券、股票和年金等不同资产类别的配置方案 [2] - 纯现金配置方案存在明确期限约束 从96岁起将仅能依赖社会保障金单独维持生活 [6] - 投资组合构建需根据个人特定需求进行定制化设计 不同资产类别将影响长期回报率与收入流 [6] 长寿风险管控 - 民众普遍低估预期寿命 实际男性平均寿命82岁/女性85岁 远超普遍认知的75-80岁范围 [4] - 退休规划需至少按30年周期进行准备 65岁退休时应以至少95岁为资金规划终点 [5] - 寿命低估可能导致退休后期资金短缺 需确保资金持续周期覆盖整个生存期间 [5]