一种估算退休计划中可持续生活方式水平的简化方法

IF 1.2 4区经济学 Q3 BUSINESS, FINANCE

Investment Analysts Journal Pub Date : 2020-07-02 DOI:10.1080/10293523.2020.1806466

Elze-Mari Roux, J. de Villiers

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引用次数: 1

摘要

在本文中，我们提供了我们最初提出的替代退休计划模型的简化版本(De Villiers & Roux, 2019)。我们的方法侧重于确定个人目前可以负担得起的可持续生活方式水平(SLL)，同时仍有足够的退休储蓄来维持这种生活方式水平直至退休及以后。通过假设退休前退休储蓄的实际收益率与退休期间累积储蓄收入的提取率相同，简化了模型。这种方法产生了更简单的SLL关系，因为它更普遍地适用，尽管可能不太准确。这种方法应该可以改善退休储蓄挑战程度的沟通，可能会带来更好的储蓄结果。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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A simplified approach to estimate the sustainable lifestyle level for retirement planning

ABSTRACT In this article we offer a simplified version of the alternative retirement planning model we originally proposed (De Villiers & Roux, 2019). Our method focuses on determining the sustainable lifestyle level (SLL) that an individual can currently afford while still saving enough towards retirement to sustain this lifestyle level up to retirement and beyond. The model is simplified by assuming that the real rate of return on retirement savings before retirement will be the same as the withdrawal rate of income from the accumulated savings during retirement. This method yields a much simpler SLL relationship in that it is more generally applicable albeit possibly less accurate. This approach should improve communication of the extent of the retirement savings challenge, possibly leading to better savings outcomes.

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来源期刊

Investment Analysts Journal BUSINESS, FINANCE-

CiteScore

1.90

自引率

11.10%

发文量

期刊介绍： The Investment Analysts Journal is an international, peer-reviewed journal, publishing high-quality, original research three times a year. The journal publishes significant new research in finance and investments and seeks to establish a balance between theoretical and empirical studies. Papers written in any areas of finance, investment, accounting and economics will be considered for publication. All contributions are welcome but are subject to an objective selection procedure to ensure that published articles answer the criteria of scientific objectivity, importance and replicability. Readability and good writing style are important. No articles which have been published or are under review elsewhere will be considered. All submitted manuscripts are subject to initial appraisal by the Editor, and, if found suitable for further consideration, to peer review by independent, anonymous expert referees. All peer review is double blind and submission is via email. Accepted papers will then pass through originality checking software. The editors reserve the right to make the final decision with respect to publication.