<p>65 岁是一个受欢迎的退休年龄。然而，如果你想在这个年龄离开职场，你必须确保有足够的收入来支持自己度过余生。这意味着你需要在工作期间进行储蓄，以建立一个丰厚的退休金。</p>
<p>那么，你需要储蓄多少才能在 65 岁时准备好退休并支持自己呢？</p>
<p>这取决于几个不同的因素，但有一个简单的方法可以确保你按时准备好辞职。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzMyMDUvdHlwaW5nLW9uLWxhcHRvcC5qcGcmdz03MDA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzMyMDUvdHlwaW5nLW9uLWxhcHRvcC5qcGcmdz03MDA"/></p>
<p>图片来源：Getty Images。</p>
<h2>计算你的每月退休储蓄目标</h2>
<p>你需要储蓄的金额以便在 65 岁时舒适退休，直接取决于：</p>
<ul>
<li>你需要多少资金才能过得舒适</li>
<li>你开始储蓄时的年龄</li>
<li>你获得的平均回报率</li>
</ul>
<p>例如，如果你希望在退休计划和其他账户中储蓄 100 万美元，那么这个退休金每年将产生约 4 万美元的收入，前提是你遵循 4% 的规则。</p>
<p>对于许多人来说，结合社会保障，这已经足够了。然而，如果你想花费双倍的金额，即 8 万美元，你需要在 401(k)、IRA 和/或普通经纪账户中拥有 200 万美元，以便拥有足够的资金来过得舒适。</p>
<p>同样，如果你在 20 岁时开始储蓄，你将有更多的时间让复利的力量发挥作用，因此你每月需要投资的金额就不需要那么多，以达到你的目标。</p>
<h2>你应该储蓄的金额以便在 65 岁退休</h2>
<p>虽然你需要在退休规划过程中进行自己的计算，但下面的表格可以给你一个每月需要储蓄的金额的概念。</p>
<table>
<thead>
<tr>
<th>目标</th>
<th>25 岁开始</th>
<th>35 岁开始</th>
<th>45 岁开始</th>
<th>55 岁开始</th>
</tr>
</thead>
<tbody>
<tr>
<td>$1,000,000</td>
<td>$188.28</td>
<td>$506.60</td>
<td>$1,454.97</td>
<td>$5,228.78</td>
</tr>
<tr>
<td>$2,000,000</td>
<td>$376.57</td>
<td>$1,013.21</td>
<td>$2,909.94</td>
<td>$10,457.57</td>
</tr>
</tbody>
</table>
<p>作者计算。</p>
<p>如你所见，根据你的具体情况，每月储蓄目标有很大的差异。你越早开始储蓄，每月需要投资的金额就越少。而且，你需要储蓄的金额越多，每月需要投资的金额也就越多。</p>
<p>在规划退休时，你需要权衡所有这些不同的因素，以便决定是否愿意减少生活开支以提前退休，或者是否愿意现在牺牲一些以增加储蓄，为未来准备更多。</p>
<p>别忘了考虑通货膨胀和税收等因素，因为今天的 4 万美元收入可能看起来足够，但在 30 年后，你可能会发现 4 万美元无法购买以前的东西。</p>
<p>通过仔细考虑你当前的年龄和未来的需求，你可以做出明智的储蓄决策。然后，将这个金额纳入你的预算，将其视为必须支付的账单，并削减其他支出以达到你的目标。</p>
<p>如果你能自动化你的贡献，并设置退休投资自动进行，你应该能够在 65 岁时储蓄到所需的资金，并创造你应得的退休生活。</p>

<p>为了在 65 岁时舒适退休，个人必须在工作期间充分储蓄。所需的金额取决于诸如期望的退休收入、开始储蓄的年龄和平均回报等因素。例如，为了实现 100 万美元的退休金，从 25 岁开始每月需要储蓄约 188 美元，而从 55 岁开始则需要每月储蓄 5,228 美元。提前储蓄可以降低每月的贡献金额。在退休规划中，考虑通货膨胀和税收是至关重要的，并且应自动化储蓄以达到目标</p>

<p>The age of 65 is a popular age to retire. However, if you want to leave the workforce at that age, you must make sure that you have enough income to support yourself for the rest of your life. This means you'll need to save throughout your working years in order to build a generous nest egg.</p>
<div class="lb-trans"><p>65 岁是一个受欢迎的退休年龄。然而，如果你想在这个年龄离开职场，你必须确保有足够的收入来支持自己度过余生。这意味着你需要在工作期间进行储蓄，以建立一个丰厚的退休金。</p>
</div><p>So, how much do you need to save to be ready to retire and support yourself at 65?</p>
<div class="lb-trans"><p>那么，你需要储蓄多少才能在 65 岁时准备好退休并支持自己呢？</p>
</div><p>It depends on a few different factors, but there is a simple way to ensure you are prepared to quit your career on schedule.</p>
<div class="lb-trans"><p>这取决于几个不同的因素，但有一个简单的方法可以确保你按时准备好辞职。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzMyMDUvdHlwaW5nLW9uLWxhcHRvcC5qcGcmdz03MDA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F833205%2Ftyping-on-laptop.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>Calculating your monthly retirement savings goal</h2>
<div class="lb-trans"><h2>计算你的每月退休储蓄目标</h2>
</div><p>The amount you need to save to retire comfortably at 65 is directly determined by:</p>
<div class="lb-trans"><p>你需要储蓄的金额以便在 65 岁时舒适退休，直接取决于：</p>
</div><ul>
<li>How much money you need to be comfortable</li>
<li>How old you are when you start saving</li>
<li>The average returns you earn</li>
</ul>
<div class="lb-trans"><ul>
<li>你需要多少资金才能过得舒适</li>
<li>你开始储蓄时的年龄</li>
<li>你获得的平均回报率</li>
</ul>
</div><p>If you want to end up with $1 million saved in your retirement plans and other accounts, for example, that nest egg would produce around $40,000 in annual income, assuming you follow the 4% rule.</p>
<div class="lb-trans"><p>例如，如果你希望在退休计划和其他账户中储蓄 100 万美元，那么这个退休金每年将产生约 4 万美元的收入，前提是你遵循 4% 的规则。</p>
</div><p>For many people, that's enough when combined with Social Security. However, if you wanted to spend double that amount, or $80,000, you'd need $2 million in your 401(k), IRA, and/or regular brokerage accounts to have the funds you need to be comfortable.</p>
<div class="lb-trans"><p>对于许多人来说，结合社会保障，这已经足够了。然而，如果你想花费双倍的金额，即 8 万美元，你需要在 401(k)、IRA 和/或普通经纪账户中拥有 200 万美元，以便拥有足够的资金来过得舒适。</p>
</div><p>Likewise, if you start saving at the age of 20, you have a lot more time for the power of compound growth to work, so you don't need to invest quite as much each month to end up where you're trying to go.</p>
<div class="lb-trans"><p>同样，如果你在 20 岁时开始储蓄，你将有更多的时间让复利的力量发挥作用，因此你每月需要投资的金额就不需要那么多，以达到你的目标。</p>
</div><h2>This is the amount you should save to retire at 65</h2>
<div class="lb-trans"><h2>你应该储蓄的金额以便在 65 岁退休</h2>
</div><p>While you'll need to do your own calculations as part of your retirement planning process, the table below can give you an idea of what you'll need to have saved each month.</p>
<div class="lb-trans"><p>虽然你需要在退休规划过程中进行自己的计算，但下面的表格可以给你一个每月需要储蓄的金额的概念。</p>
</div><table>
<thead>
<tr>
<th>Target</th>
<th>Start at 25</th>
<th>Start at 35</th>
<th>Start at 45</th>
<th>Start at 55</th>
</tr>
</thead>
<tbody>
<tr>
<td>$1,000,000</td>
<td>$188.28</td>
<td>$506.60</td>
<td>$1,454.97</td>
<td>$5,228.78</td>
</tr>
<tr>
<td>$2,000,000</td>
<td>$376.57</td>
<td>$1,013.21</td>
<td>$2,909.94</td>
<td>$10,457.57</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th>目标</th>
<th>25 岁开始</th>
<th>35 岁开始</th>
<th>45 岁开始</th>
<th>55 岁开始</th>
</tr>
</thead>
<tbody>
<tr>
<td>$1,000,000</td>
<td>$188.28</td>
<td>$506.60</td>
<td>$1,454.97</td>
<td>$5,228.78</td>
</tr>
<tr>
<td>$2,000,000</td>
<td>$376.57</td>
<td>$1,013.21</td>
<td>$2,909.94</td>
<td>$10,457.57</td>
</tr>
</tbody>
</table>
</div><p>Calculations by author.</p>
<div class="lb-trans"><p>作者计算。</p>
</div><p>As you can see, there's a wide variation in monthly savings targets based on the specifics of your circumstances. The sooner you start saving, the less you must invest each month. And, the more money you need to save to be comfortable, the more you must invest each month.</p>
<div class="lb-trans"><p>如你所见，根据你的具体情况，每月储蓄目标有很大的差异。你越早开始储蓄，每月需要投资的金额就越少。而且，你需要储蓄的金额越多，每月需要投资的金额也就越多。</p>
</div><p>You'll need to weigh all of these different factors as you plan your retirement, so you can decide if you're willing to live on less to retire sooner or if you want to sacrifice now to step up your savings and have more for your future.</p>
<div class="lb-trans"><p>在规划退休时，你需要权衡所有这些不同的因素，以便决定是否愿意减少生活开支以提前退休，或者是否愿意现在牺牲一些以增加储蓄，为未来准备更多。</p>
</div><p>Don't forget to also take factors like inflation and taxes into account, as a $40,000 income today may seem like enough, but in 30 years, you may find $40,000 won't buy you what it used to.</p>
<div class="lb-trans"><p>别忘了考虑通货膨胀和税收等因素，因为今天的 4 万美元收入可能看起来足够，但在 30 年后，你可能会发现 4 万美元无法购买以前的东西。</p>
</div><p>By thinking carefully about your current age and your future needs, you can make an informed choice about how much to save. Then, work that amount into your budget by treating it as a must-pay bill and cutting other spending to hit your target.</p>
<div class="lb-trans"><p>通过仔细考虑你当前的年龄和未来的需求，你可以做出明智的储蓄决策。然后，将这个金额纳入你的预算，将其视为必须支付的账单，并削减其他支出以达到你的目标。</p>
</div><p>If you can automate your contributions and set up your retirement investments to happen automatically, you should be on target to save the money you need by 65 and create the retirement you deserve.</p>
<div class="lb-trans"><p>如果你能自动化你的贡献，并设置退休投资自动进行，你应该能够在 65 岁时储蓄到所需的资金，并创造你应得的退休生活。</p>
</div>

每月应该存多少钱才能在 65 岁时舒适地退休？