[請益] 45歲退休規劃
各位版友好, 小弟打算下個月提離職,
請版友們幫忙看看這樣退休有沒有什麼建議or指教, 感謝!
[背景]
45歲男科技業, 家庭成員2大2小(6歲跟2歲),
老婆會繼續上班但薪水不高, 當作老婆自給自足就不列入討論
[資產]
自住房: 實價登入約2500W
台股: 2000W (0050、020039、少數自選股等, 目標是績效貼近大盤)
英股: 2300W (那斯達克、VWRA、SP500等)
現金: 100W
[負債]
房貸: -800W (利率2.3)
信貸: -600W (利率2.4)
[退休規劃 & 請益事項]
1. 退休後不打算買債, 維持現在的資產配置, 大家會覺得風險太大嗎?
還是要賣些股票把信貸壓到-300W內
2. 目標一年花費是80W(不含繳房貸信貸),
但是以前都沒有記帳的習慣, 不知道會不會太天真低估一大兩小的花費?
花費主要是花在家庭上面, 小弟蠻節省的, 嘴饞時吃個200元夜市牛排就很滿足了,
小弟休閒娛樂是上網看東看西, 退休後會增加打電動學游泳學吉他等,
沒有出國的習慣, 國內旅遊一年住5次飯店旅館,
小孩讀公立, 老婆不買包, 有一輛國產車
3. 淨資產(不含房)計算是3000W(2000+2300+100-800-600=3000)
這樣算提領率是80/3000= 2.66%, 理論上蠻安全且會越存越多, 小弟應該沒算錯吧?
4. 退休原因是想照顧家裡&多陪小孩,
之前雙薪家庭的生活形態會導致很多事情無法如願, 所以想提早退休當個家管,
捨棄現在的高薪資有點捨不得, 有前輩可以分享這方面的想法or經驗嗎? 感謝!
--
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