你是不是也遇到這些狀況？
❌ 理專說：「退休金至少要 3000 萬！」
❌ 保險業務說：「不買年金險，老了會很慘！」
❌ 你心想：「我到底要存多少才夠？好焦慮...」
問題是：他們都只講「對自己有利的部分」
- 理專不會告訴你 3000 萬是怎麼算出來的
- 保險業務不會告訴你年金險的實際報酬率
- 沒有人告訴你「你的情況」需要多少錢
💡 GoalApp 的做法：不猜測，只計算
我們不推薦任何投資產品，只給你真實的數字。今天用 3 個實際案例，算給你看：
- 案例 1： 40 歲工程師 Alex，想 55 歲退休
- 案例 2： 30 歲護理師 Amy，想 50 歲退休
- 案例 3： 50 歲主管 David，想 60 歲退休
看看他們的計畫可不可行，以及如何調整。
📊 實際案例 1：40 歲工程師 Alex
背景資料
Alex 是一名軟體工程師，月薪 12 萬，已婚有一個小孩。
退休目標：
- 目標退休年齡：55 歲（還有 15 年）
- 退休後每月生活費：6 萬（現值）
目前財務狀況：
- 目前總資產：500 萬（股票 + 存款）
- 每月可投入：5 萬（扣除房貸、生活費後）
- 預期年化報酬率：7%（參考 0050 長期平均）
計算結果
| 項目 |
金額 |
| 15 年後總資產 |
1,582 萬 |
| 以 4% 法則計算，每月可提領 |
5.3 萬 |
| 退休後每月需求 |
6 萬 |
| 缺口 |
-7,000 元/月 ❌ |
🔍 真相：以目前規劃，無法達成目標
問題在哪？
- 15 年累積的資產不夠支撐退休後的開銷
- 如果活到 85 歲，資產可能在 75 歲就用完
💰 調整方案（只算數字，不推薦產品）
方案 A：提高月存金額
- 每月投入：5 萬 → 6 萬
- 15 年後總資產：1,582 萬 → 1,898 萬
- 每月可提領：5.3 萬 → 6.3 萬 ✅
- 結論：可達成，但每月要多存 1 萬
方案 B：延後退休
- 退休年齡：55 歲 → 58 歲（延後 3 年）
- 總資產：1,582 萬 → 2,054 萬
- 每月可提領：5.3 萬 → 6.8 萬 ✅
- 結論：可達成，且更有餘裕
方案 C：降低退休後支出
- 退休後每月需求：6 萬 → 5.5 萬
- 15 年後總資產：1,582 萬（不變）
- 每月可提領：5.3 萬（不變）
- 結論：仍有缺口，需搭配其他方案
方案 D：提高投資報酬率
- 預期報酬率：7% → 8%
- 15 年後總資產：1,582 萬 → 1,756 萬
- 每月可提領：5.3 萬 → 5.9 萬 ⚠️
- 結論：仍有小缺口，且高報酬 = 高風險
Alex 的最終選擇：方案 A + 方案 B 的組合
- 每月多存 5,000 元（從 5 萬提高到 5.5 萬）
- 延後退休 2 年（從 55 歲延到 57 歲）
- 結果：17 年後總資產 2,145 萬，每月可提領 7.2 萬 ✅
📊 實際案例 2：30 歲護理師 Amy
背景資料
Amy 是一名護理師，月薪 5.5 萬，單身。
退休目標：
- 目標退休年齡：50 歲（還有 20 年）
- 退休後每月生活費：4 萬（現值）
目前財務狀況：
- 目前總資產：100 萬（大部分是存款）
- 每月可投入：2 萬（扣除生活費、孝親費後）
- 預期年化報酬率：6%（保守估計）
計算結果
| 項目 |
金額 |
| 20 年後總資產 |
1,022 萬 |
| 以 4% 法則計算，每月可提領 |
3.4 萬 |
| 退休後每月需求 |
4 萬 |
| 缺口 |
-6,000 元/月 ❌ |
🔍 真相：50 歲退休太早，資產不夠
問題在哪？
- 護理師收入有限，很難大幅提高存款
- 20 年的複利時間雖然長，但本金不夠大
- 退休後可能還有 35-40 年要生活
💰 調整方案
方案 A：延後退休到 55 歲
- 累積時間：20 年 → 25 年
- 總資產：1,022 萬 → 1,545 萬
- 每月可提領：3.4 萬 → 5.2 萬 ✅
- 結論：可達成，且有餘裕
方案 B：提高月存金額到 2.5 萬
- 每月投入：2 萬 → 2.5 萬
- 20 年後總資產：1,022 萬 → 1,278 萬
- 每月可提領：3.4 萬 → 4.3 萬 ✅
- 結論：可達成，但要犧牲生活品質
方案 C：退休後找兼職工作
- 20 年後總資產：1,022 萬（不變）
- 退休後兼職收入：每月 1 萬
- 總收入：3.4 萬（提領）+ 1 萬（兼職）= 4.4 萬 ✅
- 結論：可達成，且保持社交活動
Amy 的最終選擇：方案 A（延後到 55 歲）
- 理由：25 年累積時間更充足
- 50 歲還很年輕，繼續工作 5 年壓力不大
- 55 歲退休後每月可領 5.2 萬，生活更從容
📊 實際案例 3：50 歲主管 David
背景資料
David 是一名企業主管，月薪 20 萬，已婚，小孩已經獨立。
退休目標：
- 目標退休年齡：60 歲（還有 10 年）
- 退休後每月生活費：8 萬（現值）
目前財務狀況：
- 目前總資產：1,200 萬（股票 + 房產淨值）
- 每月可投入：10 萬（小孩獨立後開銷降低）
- 預期年化報酬率：5%（偏保守配置）
計算結果
| 項目 |
金額 |
| 10 年後總資產 |
2,754 萬 |
| 以 4% 法則計算，每月可提領 |
9.2 萬 |
| 退休後每月需求 |
8 萬 |
| 結餘 |
+1.2 萬/月 ✅ |
🔍 真相：恭喜！你的退休計畫是可行的
David 處於安全區：
- 累積時間雖短（10 年），但本金夠大
- 每月投入金額高（10 萬），複利效果明顯
- 退休後還有餘裕，可以偶爾旅行
💰 進階建議（不是推銷，是風險提醒）
David 現在要注意的是「資產保全」，而非「衝高報酬」
風險 1：市場崩盤
- 如果退休前 2 年遇到金融危機（如 2008）
- 資產可能從 2,754 萬縮水到 2,000 萬以下
- 建議： 退休前 3 年逐步降低股票比例
風險 2：通膨侵蝕購買力
- 目前 8 萬/月的生活費
- 10 年後可能需要 10 萬/月（假設通膨 2.5%）
- 建議： 退休後仍需保留部分成長型資產
風險 3：長壽風險
- 如果活到 90 歲，退休金要用 30 年
- 4% 法則假設資產剛好用完
- 建議： 保留緊急預備金，不要全部投入
David 的最終選擇：維持原計畫，但調整資產配置
- 前 7 年：維持 5% 報酬率（股 6 / 債 4）
- 後 3 年：降低到 3% 報酬率（股 3 / 債 7）
- 退休時：總資產約 2,600 萬（略低於原估，但更穩健）
🧮 自己算算看：你的退休計畫可行嗎？
別信理專的話，也別信我的話。自己算最準。
立即免費試算（30 秒）→
✅ 不需註冊 ✅ 完全免費 ✅ 無業務騷擾
💰 如果試算後發現缺口，怎麼辦？
不要慌。我們不推薦任何投資產品，但可以給你 3 個方向思考：
方向 1：增加投入金額
檢視支出：有沒有可以省下的錢？
- 每月訂閱費（Netflix、健身房、串流音樂）
- 餐飲費用（外食 vs 自煮）
- 不必要的消費（衝動購物）
增加收入：兼職、斜槓可行嗎？
- 週末家教、接案設計
- 線上課程、知識變現
- 投資性收入（股息、租金）
案例參考：
- 工程師 Alex：減少外食，每月多存 5,000 元
- 護理師 Amy：週末兼職保健諮詢，每月多賺 8,000 元
方向 2：調整預期報酬率
7% 太保守？可以提高風險承受度
- 年輕人（30-40 歲）：可承受較高波動
- 股票比例可以拉高到 70-80%
- 長期報酬率可能達 8-9%
5% 比較穩健？接受延後退休
- 中年人（50 歲以上）：以保本為主
- 股票比例降到 40-50%
- 報酬率可能只有 4-5%
⚠️ 重要提醒：
- 高報酬 = 高風險，可能虧損
- 不要為了提早退休而冒險
- 穩健增長比暴富更實際
方向 3：重新定義退休
全退休 vs 半退休
- 全退休：完全不工作，需要更多退休金
- 半退休：做喜歡的工作，收入補貼生活費
案例參考：
- 護理師 Amy：50 歲後轉做健康諮詢顧問
- 每月收入 2-3 萬，壓力小但保持社交
延後 3-5 年退休，壓力降低很多
- 從 55 歲延到 58 歲：多累積 3 年
- 退休金從 1,500 萬增加到 1,900 萬
- 每月可提領金額增加 25%
😱 退休規劃的隱藏風險：你可能沒想到的事
風險 1：通膨侵蝕購買力
今天的 100 萬，20 年後只剩 60 萬購買力
| 年份 |
通膨率 |
購買力 |
| 今天 |
- |
100 萬 |
| 10 年後 |
2% |
82 萬 |
| 20 年後 |
2% |
67 萬 |
| 30 年後 |
2% |
55 萬 |
應對方式：
- 退休後不要全部放定存
- 保留 30-40% 股票部位對抗通膨
- 定期檢視提領金額是否夠用
風險 2：長壽風險
活太久，錢不夠用
- 台灣平均壽命：80 歲（2024 年）
- 但很多人活到 85-90 歲
- 如果 60 歲退休，退休金要用 30 年
4% 法則的假設：
- 每年提領 4%，資產剛好用完
- 但如果活超過 85 歲，可能不夠
- 建議： 保留 10-20% 緊急預備金
風險 3：醫療費用暴增
退休後最大的支出：醫療
實際案例（來自 PTT）：
「我爸 70 歲中風，住院 3 個月花了 80 萬
還好有保險，不然退休金瞬間歸零」
建議：
- 退休前檢視醫療保險是否足夠
- 實支實付、長照險要規劃
- 預留醫療緊急預備金（至少 50 萬）
風險 4：退休前遇到市場崩盤
最可怕的情況：退休前 2 年遇到金融危機
案例：2008 金融海嘯
- 股市跌幅：-40%
- 原本 2,000 萬資產 → 剩 1,200 萬
- 退休計畫完全打亂
應對方式：
- 退休前 5 年：逐步降低股票比例
- 退休前 3 年：股票 50% 以下
- 退休前 1 年：股票 30% 以下
🛠️ GoalApp 完整決策工具包
退休不是您唯一的財務決策。在您準備退休前，建議搭配以下工具：
❓ 退休規劃常見 Q&A
Q1: 退休金到底要準備多少才夠？
A: 沒有標準答案，要看你的生活方式
簡單估算公式：
退休金 = 每月生活費 × 12 × 25
案例：
- 每月需要 6 萬 → 退休金需要：6 萬 × 12 × 25 = 1,800 萬
- 每月需要 4 萬 → 退休金需要：4 萬 × 12 × 25 = 1,200 萬
- 每月需要 8 萬 → 退休金需要：8 萬 × 12 × 25 = 2,400 萬
為什麼是 25 倍？
- 這是 4% 法則（每年提領 4%）
- 假設資產每年成長 4%，剛好平衡提領
- 理論上可以用一輩子
Q2: 勞保、勞退可以領多少？
A: 勞保 + 勞退，平均每月約 2-3 萬
勞保老年年金（平均）：
- 工作 30 年，平均月投保薪資 4.5 萬
- 每月約可領：1.8 萬
勞退（平均）：
- 工作 30 年，每月提撥 6%
- 退休時一次領約 200 萬，或每月領約 1 萬
總計：約 2.8 萬/月
⚠️ 重要：
- 勞保可能破產，未來可能減少給付
- 不要完全依賴勞保勞退
- 自己準備的退休金才是重點
Q3: 通膨怎麼算進退休計畫？
A: 用「實質購買力」計算
案例：
- 今天每月生活費：5 萬
- 假設通膨 2%
- 20 年後需要：5 萬 × (1.02)^20 = 7.4 萬
應對方式：
- 退休金目標要算入通膨
- 退休後保留部分股票對抗通膨
- 定期檢視提領金額是否夠用
Q4: 4% 法則是什麼？真的可行嗎？
A: 每年提領退休金的 4%，理論上可以用一輩子
原理：
- 假設資產每年成長 7%（股 60% / 債 40%）
- 扣除通膨 3%
- 實質報酬率 4%
- 剛好平衡每年 4% 提領
實際案例：
- 退休金 1,500 萬
- 每年提領：1,500 × 4% = 60 萬
- 每月提領：60 / 12 = 5 萬
⚠️ 限制：
- 假設每年穩定報酬（實際會波動）
- 假設壽命不超過 85 歲
- 遇到金融危機可能失效
建議：
- 保守一點用 3.5% 法則
- 保留 10-20% 緊急預備金
Q5: 退休後醫療費用怎麼估？
A: 建議預留 50-100 萬緊急醫療金
台灣健保制度下，自付額不高，但要注意：
住院自付費用：
- 一般病房差額：每天 1,000-3,000 元
- 手術自付額：5-20 萬（依病情）
- 長期照護：每月 3-6 萬
建議：
- 檢視現有保險（實支實付、長照險）
- 預留醫療緊急預備金 50-100 萬
- 不要把退休金全部投入，保留現金
🎯 最後的建議
不要問「我需要多少退休金？」
要問「我的退休計畫可行嗎？」
每個人的情況不同：
- 有人 1,000 萬就能退休（生活簡樸）
- 有人 3,000 萬還不夠（生活奢華）
- 沒有標準答案，只有適合你的答案
沒有絕對的答案，只有最適合你的答案。
📌 行動步驟
- 算出自己的數字 → GoalApp 退休計算器
- 檢視缺口 → 能否達成退休目標？
- 調整計畫 → 多存 / 延後退休 / 降低支出
- 定期檢視 → 每年重新試算一次
- 做出決定 → 用數據，不用猜測
💡 為什麼用 GoalApp？
我們的承諾：
- ✅ 不收費 - 完全免費，無隱藏成本
- ✅ 不推銷 - 不會推薦你任何投資產品或保險
- ✅ 不留資料 - 不需註冊，不會打電話騷擾你
- ✅ 100% 客觀 - 只給數字，決策權在你手上
記住：不猜測，只計算。
🔗 延伸閱讀
想了解更多財務決策技巧？
Sound Familiar?
❌ Financial advisor says: "You need at least NT$30 million for retirement!"
❌ Insurance salesperson says: "Without annuity insurance, you'll suffer in old age!"
❌ You think: "How much do I really need to save? So anxious..."
The Problem: They Only Tell You What Benefits Them
- Financial advisors won't explain how they calculated NT$30 million
- Insurance salespeople won't tell you the actual return rate of annuity insurance
- No one tells you how much YOU specifically need
💡 GoalApp's Approach: No Guessing, Just Calculating
We don't recommend any investment products. We only give you real numbers. Today, we'll show you with 3 real cases:
- Case 1: 40-year-old engineer Alex wants to retire at 55
- Case 2: 30-year-old nurse Amy wants to retire at 50
- Case 3: 50-year-old manager David wants to retire at 60
Let's see if their plans are feasible and how to adjust them.
📊 Case Study 1: 40-Year-Old Engineer Alex
Background
Alex is a software engineer earning NT$120,000/month, married with one child.
Retirement Goals:
- Target retirement age: 55 (15 years away)
- Monthly living expenses after retirement: NT$60,000 (present value)
Current Financial Status:
- Total assets: NT$5 million (stocks + savings)
- Monthly investment: NT$50,000 (after mortgage and living expenses)
- Expected annual return: 7% (based on Taiwan 0050 ETF long-term average)
Calculation Results
| Item |
Amount |
| Total assets after 15 years |
NT$15.82 million |
| Monthly withdrawal (4% rule) |
NT$53,000 |
| Monthly needs after retirement |
NT$60,000 |
| Shortfall |
-NT$7,000/month ❌ |
🔍 Reality: Current Plan Cannot Achieve the Goal
What's the problem?
- 15 years of accumulation isn't enough to support post-retirement expenses
- If living to 85, assets may run out by age 75
💰 Adjustment Options (Numbers Only, No Product Recommendations)
Option A: Increase Monthly Savings
- Monthly investment: NT$50,000 → NT$60,000
- Total assets after 15 years: NT$15.82M → NT$18.98M
- Monthly withdrawal: NT$53,000 → NT$63,000 ✅
- Conclusion: Achievable, but requires saving NT$10,000 more monthly
Option B: Delay Retirement
- Retirement age: 55 → 58 (delay 3 years)
- Total assets: NT$15.82M → NT$20.54M
- Monthly withdrawal: NT$53,000 → NT$68,000 ✅
- Conclusion: Achievable with more buffer
Option C: Reduce Post-Retirement Expenses
- Monthly needs: NT$60,000 → NT$55,000
- Total assets after 15 years: NT$15.82M (unchanged)
- Monthly withdrawal: NT$53,000 (unchanged)
- Conclusion: Still a gap, needs to combine with other options
Option D: Increase Investment Return Rate
- Expected return: 7% → 8%
- Total assets after 15 years: NT$15.82M → NT$17.56M
- Monthly withdrawal: NT$53,000 → NT$59,000 ⚠️
- Conclusion: Still a small gap, and higher returns = higher risk
Alex's Final Choice: Combination of Options A + B
- Save NT$5,000 more monthly (from NT$50,000 to NT$55,000)
- Delay retirement by 2 years (from 55 to 57)
- Result: After 17 years, total assets NT$21.45M, monthly withdrawal NT$72,000 ✅
📊 Case Study 2: 30-Year-Old Nurse Amy
Background
Amy is a nurse earning NT$55,000/month, single.
Retirement Goals:
- Target retirement age: 50 (20 years away)
- Monthly living expenses after retirement: NT$40,000 (present value)
Current Financial Status:
- Total assets: NT$1 million (mostly savings)
- Monthly investment: NT$20,000 (after living expenses and family support)
- Expected annual return: 6% (conservative estimate)
Calculation Results
| Item |
Amount |
| Total assets after 20 years |
NT$10.22 million |
| Monthly withdrawal (4% rule) |
NT$34,000 |
| Monthly needs after retirement |
NT$40,000 |
| Shortfall |
-NT$6,000/month ❌ |
🔍 Reality: Retiring at 50 is Too Early, Insufficient Assets
What's the problem?
- Nurse income is limited, hard to significantly increase savings
- 20 years of compounding is long, but the principal is too small
- May need to live 35-40 years after retirement
💰 Adjustment Options
Option A: Delay Retirement to 55
- Accumulation time: 20 years → 25 years
- Total assets: NT$10.22M → NT$15.45M
- Monthly withdrawal: NT$34,000 → NT$52,000 ✅
- Conclusion: Achievable with buffer
Option B: Increase Monthly Savings to NT$25,000
- Monthly investment: NT$20,000 → NT$25,000
- Total assets after 20 years: NT$10.22M → NT$12.78M
- Monthly withdrawal: NT$34,000 → NT$43,000 ✅
- Conclusion: Achievable, but requires sacrificing lifestyle quality
Option C: Part-Time Work After Retirement
- Total assets after 20 years: NT$10.22M (unchanged)
- Part-time income after retirement: NT$10,000/month
- Total income: NT$34,000 (withdrawal) + NT$10,000 (part-time) = NT$44,000 ✅
- Conclusion: Achievable while maintaining social activity
Amy's Final Choice: Option A (Delay to 55)
- Reason: 25 years of accumulation is more adequate
- 50 is still young, working 5 more years is manageable
- At 55, monthly withdrawal of NT$52,000 provides a more comfortable life
📊 Case Study 3: 50-Year-Old Manager David
Background
David is a corporate manager earning NT$200,000/month, married, children are independent.
Retirement Goals:
- Target retirement age: 60 (10 years away)
- Monthly living expenses after retirement: NT$80,000 (present value)
Current Financial Status:
- Total assets: NT$12 million (stocks + real estate equity)
- Monthly investment: NT$100,000 (lower expenses after children's independence)
- Expected annual return: 5% (conservative allocation)
Calculation Results
| Item |
Amount |
| Total assets after 10 years |
NT$27.54 million |
| Monthly withdrawal (4% rule) |
NT$92,000 |
| Monthly needs after retirement |
NT$80,000 |
| Surplus |
+NT$12,000/month ✅ |
🔍 Reality: Congratulations! Your Retirement Plan is Feasible
David is in the safe zone:
- Although accumulation time is short (10 years), the principal is large enough
- High monthly investment (NT$100,000) means significant compound effect
- Post-retirement buffer allows for occasional travel
💰 Advanced Advice (Not Sales, Risk Reminders)
David's focus now should be "asset preservation," not "chasing high returns"
Risk 1: Market Crash
- If facing a financial crisis 2 years before retirement (like 2008)
- Assets could shrink from NT$27.54M to under NT$20M
- Recommendation: Gradually reduce stock allocation 3 years before retirement
Risk 2: Inflation Eroding Purchasing Power
- Current living expenses: NT$80,000/month
- May need NT$100,000/month in 10 years (assuming 2.5% inflation)
- Recommendation: Keep some growth assets after retirement
Risk 3: Longevity Risk
- If living to 90, retirement funds need to last 30 years
- 4% rule assumes assets will be depleted
- Recommendation: Keep emergency reserves, don't invest everything
David's Final Choice: Maintain Original Plan, But Adjust Asset Allocation
- First 7 years: Maintain 5% return (60% stocks / 40% bonds)
- Last 3 years: Reduce to 3% return (30% stocks / 70% bonds)
- At retirement: Total assets ~NT$26M (slightly lower than original, but safer)
🧮 Calculate It Yourself: Is Your Retirement Plan Feasible?
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💰 What If You Find a Shortfall After Calculating?
Don't panic. We don't recommend any investment products, but here are 3 directions to consider:
Direction 1: Increase Investment Amount
Review expenses: Any savings possible?
- Monthly subscriptions (Netflix, gym, streaming music)
- Dining expenses (eating out vs cooking)
- Unnecessary spending (impulse purchases)
Increase income: Is freelancing possible?
- Weekend tutoring, freelance design
- Online courses, knowledge monetization
- Investment income (dividends, rental income)
Case references:
- Engineer Alex: Reduced eating out, saved NT$5,000 more monthly
- Nurse Amy: Weekend health consulting, earned NT$8,000 more monthly
Direction 2: Adjust Expected Return Rate
7% too conservative? Can increase risk tolerance
- Young people (30-40): Can handle higher volatility
- Stock allocation can be increased to 70-80%
- Long-term return rate may reach 8-9%
5% more stable? Accept delayed retirement
- Middle-aged (50+): Focus on capital preservation
- Stock allocation reduced to 40-50%
- Return rate may only be 4-5%
⚠️ Important Reminder:
- Higher returns = Higher risk, possible losses
- Don't take risks just to retire early
- Steady growth is more realistic than getting rich quick
Direction 3: Redefine Retirement
Full Retirement vs Semi-Retirement
- Full retirement: No work at all, needs more retirement funds
- Semi-retirement: Do work you enjoy, income supplements living expenses
Case reference:
- Nurse Amy: After 50, became a health consultant
- Monthly income NT$20,000-30,000, low pressure while staying social
Delaying retirement by 3-5 years significantly reduces pressure
- From 55 to 58: 3 more years of accumulation
- Retirement funds from NT$15M to NT$19M
- Monthly withdrawal increases by 25%
😱 Hidden Risks in Retirement Planning: Things You Might Not Have Considered
Risk 1: Inflation Eroding Purchasing Power
Today's NT$1 million will only have NT$600,000 purchasing power in 20 years
| Year |
Inflation Rate |
Purchasing Power |
| Today |
- |
NT$1 million |
| 10 years later |
2% |
NT$820,000 |
| 20 years later |
2% |
NT$670,000 |
| 30 years later |
2% |
NT$550,000 |
How to deal with it:
- Don't put everything in fixed deposits after retirement
- Keep 30-40% in stocks to fight inflation
- Regularly review if withdrawal amount is sufficient
Risk 2: Longevity Risk
Living too long, running out of money
- Taiwan average life expectancy: 80 years (2024)
- But many people live to 85-90
- If retiring at 60, retirement funds need to last 30 years
4% rule assumptions:
- Withdrawing 4% annually, assets depleted exactly
- But if living past 85, may not be enough
- Suggestion: Keep 10-20% emergency reserves
Risk 3: Surge in Medical Expenses
Biggest expense after retirement: Healthcare
Real case (from PTT):
"My dad had a stroke at 70, hospitalized for 3 months, cost NT$800,000
Fortunately had insurance, otherwise retirement funds would've been wiped out instantly"
Recommendations:
- Review medical insurance before retirement
- Plan for actual expense coverage and long-term care insurance
- Reserve medical emergency fund (at least NT$500,000)
Risk 4: Market Crash Before Retirement
Worst case: Financial crisis 2 years before retirement
Case: 2008 Financial Crisis
- Stock market drop: -40%
- Original NT$20M assets → Remaining NT$12M
- Retirement plan completely disrupted
How to deal with it:
- 5 years before retirement: Gradually reduce stock allocation
- 3 years before retirement: Stocks below 50%
- 1 year before retirement: Stocks below 30%
🛠️ GoalApp Complete Decision Tool Kit
Retirement isn't your only financial decision. Before retirement, consider using these tools:
❓ Retirement Planning FAQ
Q1: How much retirement savings do I really need?
A: No standard answer, depends on your lifestyle
Simple formula:
Retirement Fund = Monthly Living Expenses × 12 × 25
Examples:
- Need NT$60,000/month → Need: NT$60,000 × 12 × 25 = NT$18 million
- Need NT$40,000/month → Need: NT$40,000 × 12 × 25 = NT$12 million
- Need NT$80,000/month → Need: NT$80,000 × 12 × 25 = NT$24 million
Why 25x?
- This is the 4% rule (withdraw 4% annually)
- Assuming assets grow 4% annually, balances withdrawal
- Theoretically lasts a lifetime
Q2: How much can I get from Labor Insurance and Labor Pension?
A: Labor Insurance + Labor Pension, average about NT$20,000-30,000/month
Labor Insurance Old-Age Pension (average):
- Working 30 years, average monthly insured salary NT$45,000
- Monthly payment approximately: NT$18,000
Labor Pension (average):
- Working 30 years, 6% monthly contribution
- Lump sum at retirement ~NT$2M, or monthly ~NT$10,000
Total: ~NT$28,000/month
⚠️ Important:
- Labor Insurance may go bankrupt, future payments may decrease
- Don't rely entirely on government pensions
- Self-prepared retirement funds are the key
Q3: How to factor inflation into retirement planning?
A: Calculate using "real purchasing power"
Example:
- Today's monthly living expenses: NT$50,000
- Assuming 2% inflation
- Need in 20 years: NT$50,000 × (1.02)^20 = NT$74,000
How to deal with it:
- Factor inflation into retirement fund target
- Keep some stocks after retirement to fight inflation
- Regularly review if withdrawal amount is sufficient
Q4: What is the 4% rule? Does it really work?
A: Withdraw 4% of retirement funds annually, theoretically lasts a lifetime
Principle:
- Assuming assets grow 7% annually (60% stocks / 40% bonds)
- Minus 3% inflation
- Real return 4%
- Balances 4% annual withdrawal
Example:
- Retirement fund NT$15 million
- Annual withdrawal: NT$15M × 4% = NT$600,000
- Monthly withdrawal: NT$600,000 / 12 = NT$50,000
⚠️ Limitations:
- Assumes stable annual returns (actual will fluctuate)
- Assumes lifespan doesn't exceed 85
- May fail during financial crises
Recommendations:
- Use more conservative 3.5% rule
- Keep 10-20% emergency reserves
Q5: How to estimate post-retirement medical expenses?
A: Recommend reserving NT$500,000-1,000,000 for medical emergencies
Under Taiwan's National Health Insurance, out-of-pocket costs aren't high, but be aware of:
Hospitalization out-of-pocket expenses:
- Private room upgrade: NT$1,000-3,000/day
- Surgery out-of-pocket: NT$50,000-200,000 (depending on condition)
- Long-term care: NT$30,000-60,000/month
Recommendations:
- Review existing insurance (actual expense coverage, long-term care)
- Reserve medical emergency fund NT$500,000-1,000,000
- Don't invest all retirement funds, keep some cash
🎯 Final Advice
Don't ask "How much retirement money do I need?"
Ask "Is my retirement plan feasible?"
Everyone's situation is different:
- Some can retire with NT$10 million (simple lifestyle)
- Some need more than NT$30 million (luxurious lifestyle)
- No standard answer, only the answer that fits you
There's no absolute answer, only the answer that's best for you.
📌 Action Steps
- Calculate your numbers → GoalApp Retirement Calculator
- Check the gap → Can you achieve your retirement goal?
- Adjust the plan → Save more / Delay retirement / Reduce expenses
- Review regularly → Recalculate annually
- Make a decision → Use data, not guessing
💡 Why Use GoalApp?
Our promise:
- ✅ Free - Completely free, no hidden costs
- ✅ No sales - We won't recommend any investment products or insurance
- ✅ No data collection - No registration, no sales calls
- ✅ 100% Objective - Just numbers, decision is yours
Remember: No guessing, just calculating.
🔗 Further Reading
Want to learn more financial decision-making skills?