{"title":"一种估算退休计划中可持续生活方式水平的简化方法","authors":"Elze-Mari Roux, J. de Villiers","doi":"10.1080/10293523.2020.1806466","DOIUrl":null,"url":null,"abstract":"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.","PeriodicalId":44496,"journal":{"name":"Investment Analysts Journal","volume":"49 1","pages":"232 - 242"},"PeriodicalIF":1.2000,"publicationDate":"2020-07-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1080/10293523.2020.1806466","citationCount":"1","resultStr":"{\"title\":\"A simplified approach to estimate the sustainable lifestyle level for retirement planning\",\"authors\":\"Elze-Mari Roux, J. de Villiers\",\"doi\":\"10.1080/10293523.2020.1806466\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"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.\",\"PeriodicalId\":44496,\"journal\":{\"name\":\"Investment Analysts Journal\",\"volume\":\"49 1\",\"pages\":\"232 - 242\"},\"PeriodicalIF\":1.2000,\"publicationDate\":\"2020-07-02\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"https://sci-hub-pdf.com/10.1080/10293523.2020.1806466\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Investment Analysts Journal\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://doi.org/10.1080/10293523.2020.1806466\",\"RegionNum\":4,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"BUSINESS, FINANCE\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Investment Analysts Journal","FirstCategoryId":"96","ListUrlMain":"https://doi.org/10.1080/10293523.2020.1806466","RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS, FINANCE","Score":null,"Total":0}
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.
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.
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