Retirement Planning: Don’t Depend on Government Pensions; Try Real Estate: Part 1

 One thing that every one of us will eventually do one day, if we are granted the privilege by God, is get old. We get old to the extent that we are no longer able to do what we actively do now. We are no longer able to work and earn a living from a regular job.Retirement ahead

Another complication that comes with aging is health care and costs. Usually, as we get older, we tend to need more regular medical attention. Although government provides some subsidies to seniors, most times, this is not enough to meet the medical bills of the retiree. Housing and personal support are yet another item that requires money for the upkeep of the senior.

In this post, I will attempt to detail the conventional retirement programs and their characteristics, why you cannot rely on government to plan your retirement for you and the need to take control of your future. In particular, I will try and encourage you to explore the opportunities available in real estate by investing in professionally and carefully researched and selected markets with cash flow producing turnkey properties that require no active involvement as an avenue or retirement. In this part, I will introduce this topic and the subsequent parts, will deal with afore mentioned sections.

 

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There are several options available during the active years of an average worker to plan and prepare for retirement. Several products and programs have been developed to assist in retirement planning. Retirement savings accounts help to create annuities upon retirement. However, investment pool must be sizeable enough to produce a decent income from the 4% annual withdrawal.

The question often asked is, how much do I need to have in my retirement savings account and be comfortable at retirement? Well, there’s really no fixed amount and it all depends on the level of quality of life and location that the retiree wants to live. Understandably, at this time, mortgage is already paid, kids are out of school and so, and the only concerns of the retiree are living expenses, medical and possibly (funeral)…. So if your planned annual living expenses at retirement is $30,000; ( assuming your monthly expected income is about $2,500); at 4% withdrawal rate, the expected balance in retirement account is $750,000.00 (this is a straight quick and dirty method, not considering other nuances & investment vehicles that might impact this number).

You must be wondering, how and where in the world do you expect me to get $750,000.00 to put in my retirement account? Well, do not panic as you are not expected to save up this amount. The power of compounding interest concept will help you achieve this depending on how long you are able to save consistently.

Unfortunately, in United States today, the statistics from U.S. Census Bureau, conducted as recent as September 8, 2015 are anything but shocking:  the average retirement age is 63 and 6,100 Americans turn 65 everyday!

Now read the rest:

  1. 36% of Americans over 65 who rely completely on Social Security
  2. Total cost for a couple over 65 to pay for medical treatment over a 20 year span is $218,000
  3. 80% of people ages 30-54 believe they will not have enough money put away for retirement
  4. 38% of Americans don’t save anything for retirement

Now if you think that above statistics which relate to the retirees are discouraging, it is even worse for the working class; hear this:

Out of 100 people who starts working at the age of 25, by the age 65:

  1. 1% Will be considered wealthy
  2. 4% Have adequate capital stowed away for retirement
  3. 3% Will still be working
  4. 63% Are dependent on Social Security, friends, relatives or charity
  5. 29% Are dead

Let me allow you time to digest this piece of statistics; may be the impact will sink better before our next post.

The intent is to arouse urgency in you to think about retirement planning. In our next post, we will examine the currently available pension plans and why they are not adequate for a safe retirement.

Thanks for reading this post.. please provide your feedback or comment.

 

 

Retirement Statistics Data
Average retirement age 63
Average length of retirement 18 years
Average savings of a 50 year old $42,797
Total cost for a couple over 65 to pay for medical treatment over a 20 year span $218,000
Percentage of people ages 30-54 who believe they will not have enough money put away for retirement 80%
Percentage of Americans over 65 who rely completely on Social Security 36%
Percentage of Americans who don’t save anything for retirement 38%
Number of Americans who turn 65 per day 6,100
Percentage of population that is 65 years of age or older 13%
Out of 100 people who starts working at the age of 25, by the age 65:
Will be considered wealthy 1%
Have adequate capital stowed away for retirement 4%
Will still be working 3%
Are dependent on Social Security, friends, relatives or charity 63%
Are dead 29%

Source: U.S. Census Bureau, Saperston Companies, Bankrate

Research Date: September 8th, 2015

 

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