一位漫步者的告白

職場畢業前，你有信心累積到理想的退休金目標嗎？日前「萬人退休準備大調查」結果發現，有超過6成民眾對退休金準備缺乏信心！經概算，除了勞保(退)金外，還要額外準備至少400-600萬元資金，才夠支應退休後生活所需。

Before the end of the job, do you have the confidence to reach ideal pension target? IAW the results of "Survey of Ten Thousand People's Retirement Preparation", more than 60% of the people are lack of confidence in retirement pension preparation! According to the estimates, in addition to labor insurance (retired) funds, an additional fund of at least 4-6 million NTD must be prepared to meet the needs of life after retirement.

根據統計，一般勞工退休後可從勞保(退)帳戶每月領取約2-2.5萬元，但還未計算勞保年金改革結果；換言之，未來實際退休領到金額將會比現在預估數字更少；加上國內社會高齡化趨勢成形，退休金準備不足問題成了現階上班族心中的痛。

According to statistics, general workers can receive about 20,000-25,000 NTD from the labor insurance (retired) account after retirement, but it doesn’t count on the results of the labor insurance annuity reform; in other words, the actual retirement amount in the future will be less than the current estimated figure; coupled with the aging trend of the domestic society, the problem of insufficient pension preparation has become a pain of general workers.

一般大眾對退休金準備「缺乏信心」，儘管退休準備金目標與個人生活習性有關，理想金額見仁見智，卻有一定數字可參考。若想額外為自己多準備這筆錢，愈早啟動理財機制，就愈容易達成。假定35歲開始每月定期定額1萬元(定期不定額更好)，投入平均年報酬率約5%標的(中華電信約4%)，25年不間斷紀律投資，到60歲時就能滾出約597萬元。

The general public is "lack of confidence" in pension provision. Although the goal of retirement provision is related to personal habits, and the ideal amount is different, but there are certain figures for reference. If you want to prepare extra money for yourself, the sooner you start the financial management mechanism, the easier it will be. Assuming a fixed amount of 10,000 NTD monthly from the age of 35 (adjusted amount/monthly will be better), focus on an average annual return rate (5%) target (Chunghwa Telecom is about 4%), and sustain 25 years of uninterrupted disciplinary investment, can be rolled out 5.97 million NTD by the age of 60.

透過定期定額、長期紀律投資準備退休金的觀念，已普遍受到大眾認同；尤其今年市場歷經大幅震盪，也讓更多人了解定期定額的好處，整體市場參與人數持續攀升，增幅達120%。即早開始，就能給自己更好的退休生活，上流人生並非遙不可及的夢想。

The concept of preparing pension funds through regular fixed amount and long-term disciplined investment has been generally recognized by the public. In particular, the market has experienced significant financial turbulence this year, and more people have learned about the benefits of this kind of investment. The overall number of market participants has continued to rise, with an increase of 120%. Starting early, you can give yourself a better retirement life. The upper life won’t be an unattainable dream.