2026 Retirement Planning Tips for Lazy People: New Labor Retirement System + Personal Annuity + ETF Three-Track Strategy Trial Calculation

If you start investing US$300 per month at the age of 25, with an annual return of 7%, you will have approximately US$720,000 by the age of 65. Starting at age 35 would require investing $620 per month to reach the same amount

The global average life expectancy continues to increase, and you may need to prepare for retirement living expenses for 30 years or more

Calculated at an average annual inflation rate of 3%, the current 1 million will only have about 410,000 purchasing power left in 30 years.

The pension systems of various countries are facing the pressure of population aging, and the level of benefits may decline in the future. They cannot be completely relied on

Multiply your expected annual retirement expenses by 25 to get the approximate total pension you need. For example, if you need $40,000 per year, you will need about $1 million

After retirement, no more than 4% can be withdrawn from the pension every year, which in most cases can ensure that it will not be exhausted for more than 30 years.

After retirement, you usually need 70-80% of your working income to maintain your quality of life.

Medical expenses can increase significantly after retirement. It is recommended to prepare an additional special medical reserve fund

Basic pension systems provided by governments. This usually only covers basic living needs and should not be used as the only source of retirement income

The pension plan provided by the enterprise, such as a defined contribution system or a defined benefit system. If your employer offers matching contributions, be sure to take advantage of them

Individually directed retirement investment accounts and savings plans. This is the part you have the most control over, and it’s also the key to widening the gap.

Automatically adjust the stock-to-debt ratio based on your retirement date, making it the best choice for lazy people to invest.

Build core allocations through low-cost global stock and bond index funds

Continue to invest regardless of market ups and downs, and the average cost effect will be significant in the long run.

Detailed calculation of the gap between expected retirement expenses and currently accumulated pension, and develop a specific remediation plan

Try to pay off all debt before you retire, especially your mortgage. Debt-free retirement can significantly reduce monthly expenses

Use the expected retirement income to look at it a month later, find out in advance the items that are insufficient in the budget and make adjustments.

Research the pension claim rules in your country. Usually, delaying claim can lead to higher monthly benefits.

Prepare 1-2 years of living expenses and put them in a low-risk account to avoid being forced to sell investments when the market drops in the early stages of retirement.

You may lose your employer-provided health insurance after retirement, plan ahead for alternatives

Divide retirement funds into three buckets: short-term (cash and time deposits for 1-3 years), medium-term (bonds for 3-10 years), and long-term (stocks for more than 10 years), and use them in order

When the market is good, you can withdraw more. When the market is bad, you can reduce your withdrawals or postpone non-essential expenses to give your investment time to recover.

Don’t just rely on investment returns, combine social security, annuities, part-time income and other sources

Understand the tax rules for retirement income and reasonably arrange the order of withdrawals from different accounts to reduce the tax burden

Evaluate spending and investment status annually and adjust strategies based on market performance and personal needs

The average modern person may have 20-30 years of life after retirement. Planning should be based on at least 30 years

An annual inflation rate of 3% will double prices in 20 years. Pension planning must take inflation into account

A certain proportion of stock allocation is still needed after retirement to combat inflation. Putting all in fixed deposits may not be able to beat rising prices.

Postretirement health care expenses may be the biggest variable. Sufficient medical reserves must be set aside

In many countries, delaying pension claims can result in higher lifetime monthly benefits and deserves serious consideration.

Retirement is not just about finances. It also requires planning how to spend every day to the fullest to avoid the feeling of emptiness after retirement.

The 6% self-withdrawal is not included in the current year's income. An annual salary of 600,000 can save about 20,000 to 40,000 in taxes. It’s like the government helps you save money for retirement

The combined monthly benefit of labor retirement + labor insurance + annuity is about 20,000-30,000 yuan, which is far less than what one can live after the age of 60. ETFs are key to strengthening the second pillar

Starting at the age of 30: Retirement from work (employer 3K + self-withdrawal 3K) + ETF 5K, totaling 11K per month. Annualized at 7%, the principal and interest after 30 years will be approximately 13 million.

13 million may seem like a lot, but the purchasing power in 30 years will be about the same as 5.4 million now. Plan to continue investing to combat inflation after retirement

1. High savings rate (≥ 50%) 2. Long-term investment (ETF + real estate) 3. Control the cost of living (avoid inflation)

If you accumulate enough principal between the ages of 30 and 40, you will no longer need to rely solely on compound interest to save, and you can retire at the age of 65. Low pressure and flexibility to change careers

Retirees who have not participated in health insurance before the age of 60 must pay for labor insurance + health insurance out of pocket (insured by professional unions). About NT$30,000-50,000 a year, including expenses

Higher-than-expected inflation, delayed recovery from market crash, overestimation of post-retirement expenses, sudden needs of family/children