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Baby Kingdom - 親子王國香港討論區 › 首頁 › 家庭理財› 有多少钱才可以退休？

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樓主: graceguo1022

有多少钱才可以退休？ [複製鏈接]

ellislui

男爵府

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21^#

發表於 13-1-20 00:29 |只看該作者

回覆：candy_love_bb 的帖子

睇上一代未必可以反映自己的將來，我父母有自住樓，他們早婚，有4名子女供養，很早便退休，反觀自己，得2個小朋友，而且誰曉得他們有否能力／願意供養父母

預備自己退休，還得靠努力工作，計劃將來

點評

Ericmo

發表於 13-1-20 11:57

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donaldduckduck

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發表於 13-1-20 10:14 |只看該作者

回覆：tantanmama 的帖子

呢世都唔洗退休了

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fatorc

大宅

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發表於 13-1-20 11:46 |只看該作者

本帖最後由 fatorc 於 13-1-20 11:59 編輯

1. full paid 自住樓
2. 9 - 14mil 資產 @ > 4% yield
3. reinvestment part of the yield

唔係好難姐!
當35 歲full paid, 有30萬capital, 每月invest $17000, 60歲就有25000一個月

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54heima

水晶宮

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發表於 13-1-20 20:36 |只看該作者

回覆：有多少钱才可以退休？

十年前少不經事，口輕輕話有幾多錢就唔做…今日過左個數字啦已經，但望住兩條化骨龍，心諗再過多十幾年都未必敢退休

少奶奶的身份，丫頭的命...

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fatorc

大宅

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發表於 13-1-20 23:51 |只看該作者

54heima 發表於 13-1-20 20:36
十年前少不經事，口輕輕話有幾多錢就唔做…今日過左個數字啦已經，但望住兩條化骨龍，心諗再過多十幾年都 ...

我估我同你心態應差唔多

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cloudwingwing

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開心吸收勳章

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發表於 13-1-21 08:11 |只看該作者

回覆：有多少钱才可以退休？

我希望長做長有，做到70歲

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kenken1

禁止訪問

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發表於 13-1-21 09:21 |只看該作者

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ac321

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好媽媽勳章

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發表於 13-1-21 15:10 |只看該作者

回覆 graceguo1022 的帖子

我沒有妳們所說的(幾層樓+一仟幾佰萬),但我已經退休了(ftm)!
我想告訴妳們,我還活著,而且曰子過得也不錯

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abcabc181818

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發表於 13-1-21 18:24 |只看該作者

精靈女巫發表於 13-1-17 22:58
我要有五層已供满既出租樓又一層自住樓另有300萬現金加100萬金飾可能先够退休

...

你家庭好支好大下wor

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琬晴B

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發表於 13-1-22 14:46 |只看該作者

回覆 ac321 的帖子

我也打算稍後賣了出租樓,辭職做FTM. 為了家中兩個"討債鬼",我覺得是值得的.

賣出租樓這個想法,心裡曾幾經掙扎(我想我老公也一樣),但阿Q啲諗, 或者命中注定我們就是不可能keep住另一層樓收租養老.

而且,值得安慰的是,最近計算過, 我做ftm可以省回很多開支, 例如:
外傭(每月$3740)
薪俸稅(交少大約$34000)
交通費(每月約$4000)-->(因為想早些返屋企,所以現在每日開車返工)
兩個孩子的校車費(每月$1000)-->自己接送所省下的.

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whklung

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發表於 13-1-22 16:22 |只看該作者

graceguo1022 發表於 13-1-17 16:46
Just wondering that i can never retire from the work as the property price and living expense is so ...

No one can answer this on your behalf. It really depends on how much you want to spend and at what age you want to retire. The hardest part is, no one on Earth can predict when you'll die.

So, why worry so much about it?

If you have more money, then you can spend more. If you have less money, then why not spend less? If you find the property price on HK island is high, then why don't you buy a cheaper apartment in the New Territories with better scenery and air quality? As a retired person, you don't need to live close to the CBD, and you don't need to care about school network.

I don't know why the price on mid-levels is so high, the buildings are packed, the roads are steep, and the traffic sucks. Maybe it's only about proximity to the CBD and its school network. But are these relevant to a retired person?

With 10 million, you can buy two apartments, each with 600-700sq ft. You can live in one of them, and the other one can give you a rental income of $16000-$17000 per month. Are you aware of the median household income in Hong Kong?

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graceguo1022

複式洋房

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發表於 13-1-22 18:13 |只看該作者

回覆 whklung 的帖子

you are absolutely right. There is no right or wrong answer. you just need to live a life you feel comfortable and secure. some people may feel good or secure with less money. but people like me are not feeling secure without enough money for child's education and retirement. just thought it would be interesting to get others views on this topic. it turns out that lots of people are interested in this topic and generous in sharing their views.

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whklung

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發表於 13-1-22 19:40 |只看該作者

graceguo1022 發表於 13-1-22 18:13
回覆 whklung 的帖子

you are absolutely right. There is no right or wrong answer. you just need to l ...

In how many years will your child be completing education? Studying abroad can be expensive, I know. You can always choose local schools, the HK gov't has a lot of subsidies for students in need.