# Magkano ang Kailangan Mo Para Mag-retire sa NZ?
"Magkano ang kailangan ko para mag-retire?" - ito ang pinaka-common question tungkol sa retirement planning. Walang one-size-fits-all answer, pero maaari tayong magbigay ng realistic frameworks.
Ang NZ Super Foundation
Una, tandaan na lahat ng eligible NZ residents ay makakatanggap ng NZ Super mula 65:
- •Single, living alone: ~$27,000 per year (after tax)
- •Couple, both eligible: ~$41,000 per year combined (after tax)
Ito ang iyong baseline. Ang tanong ay: magkano pang additional income ang kailangan mo?
Retirement Lifestyle Levels
No Frills Retirement
Para sa basic living (bills, food, basic healthcare):
- •Single: ~$32,000 per year
- •Couple: ~$47,000 per year
Gap from NZ Super:
- •Single: ~$5,000 per year needed
- •Couple: ~$6,000 per year needed
Comfortable Retirement
Para sa comfortable lifestyle (occasional dining out, local holidays, hobbies):
- •Single: ~$52,000 per year
- •Couple: ~$72,000 per year
Gap from NZ Super:
- •Single: ~$25,000 per year needed
- •Couple: ~$31,000 per year needed
Affluent Retirement
Para sa affluent lifestyle (international travel, higher-end living):
- •Single: ~$72,000+ per year
- •Couple: ~$100,000+ per year
Gap from NZ Super:
- •Single: ~$45,000+ per year needed
- •Couple: ~$59,000+ per year needed
Calculating Your Savings Target
Gamitin ang 4% withdrawal rule bilang rough guide:
Formula: Annual income needed × 25 = Total savings needed
Mga Halimbawa:
| Lifestyle | Annual Gap | Savings Needed |
|---|---|---|
| No Frills (single) | $5,000 | $125,000 |
| Comfortable (single) | $25,000 | $625,000 |
| Affluent (single) | $45,000 | $1,125,000 |
| No Frills (couple) | $6,000 | $150,000 |
| Comfortable (couple) | $31,000 | $775,000 |
| Affluent (couple) | $59,000 | $1,475,000 |
Key Factors na Nakakaapekto sa Target Mo
1. Housing Situation
Ang pinaka-significant factor:
- •Mortgage-free homeowner: Mas mababang expenses
- •Renting in retirement: Dagdagan ng ~$15,000-$25,000 per year sa needs
2. Health Status
Ang healthcare costs ay tumataas sa edad:
- •Basic healthcare: Covered ng public system
- •Private health insurance: ~$3,000-$6,000 per year
- •Residential care (kung kailangan): ~$50,000-$80,000 per year
3. Location
Ang cost of living ay iba-iba:
- •Auckland/Wellington: Mas mahal
- •Regional areas: Mas mura
- •Moving regions: Maaaring mag-release ng home equity
4. Retirement Length
Ang average life expectancy sa NZ:
- •Men: ~80 years
- •Women: ~84 years
Pero maraming nakakarating ng 90+. Plan for longer, not shorter.
Realistic Assessment
Para sa karamihan ng New Zealanders:
- •Minimum target: $200,000-$300,000 (kasama ang mortgage-free home)
- •Comfortable target: $500,000-$700,000
- •Worry-free target: $800,000+
Mga Hakbang Para Maabot ang Target
Calculator Approach
Para sa personalized estimate:
Key Takeaway
Walang magic number, pero para sa comfortable retirement sa NZ, ang target ng $500,000-$700,000 sa savings (kasama ang mortgage-free home) ay reasonable para sa karamihan. Magsimula ka sa pag-calculate ng iyong specific needs at gumawa ng plan para maabot ito.
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