离开职场最大的挑战不是存多少是钱能用多久

很多人在规划离开职场时，最常问的问题就是：「到底要准备多少钱才够？」有人会用每月生活费乘上退休年数，也有人参考 4% 提领法，希望算出一个目标金额。但真正需要思考的，不是存到一个数字，而是这笔资产能不能支撑未来二、三十年的生活。

原因很简单，离开职场后，收入来源改变了，过去每个月都有薪资收入，生活开销主要靠工作支应；离开职场后，每一笔支出都来自自己的资产。如果没有把通膨、医疗支出和市场波动纳入考量，即使准备了一笔看似充足的资金，也可能比预期更早用完，所以在规划离开职场时，不应该只看资产规模，也要思考这些资产未来会如何运用。

比起计算退休金，更重要的是安排资产用途

近年不少人会用 4% 提领法作为参考，透过固定提领比例来估算需要准备多少资产，这个方法提供了一个计算方向，但每个人的生活方式、支出结构和市场环境都不同，很难只靠一个公式完成所有规划，与其把所有资产放在同一个帐户，不如先把用途分开，让不同的资产负责不同的支出。

第一个帐户生活支出

这笔资金主要负责日常生活，包括食、衣、住、行等固定开销，配置重点是稳定，目的在于维持生活，不需要因市场波动而调整日常开支。

第二个帐户生活规划

许多人刚离开职场时，还有旅行、进修、培养兴趣或陪伴家人的计划。这笔资金就是为了这些安排预先准备，不必因为担心日常生活费而放弃原本想完成的事情。

第三个帐户，是医疗与照护

医疗支出通常集中在年纪较大的阶段，而且金额难以预估，提前预留这部分资金，并搭配适当的保险规划，可以降低突发支出对整体资产的影响。

重点不是存多少，而是能不能持续使用

离开职场后，资产不再只是帐户里的一个数字，而是未来生活的主要来源，如果规划只停留在需要多少退休金，很容易忽略通膨、生活成本变化，以及未来不同阶段的资金需求。因此比起一直追求一个目标金额，更值得花时间思考的是，自己的资产是否已经完成分工，能不能在生活、医疗和其他支出之间提供稳定的资金来源。

离开职场不是财务规划的终点，而是开始依靠资产生活的新阶段，当资产能按照不同用途发挥功能，即使面对通膨或市场变化，也比较能按照原本的规划安排未来的生活。

（撰文者：永诚资产管理处财顾团队）

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"cate": { "id": 27, "pid": 15, "name": "台股", "pinyin": "tw", "path": "/new/tw", "orderBy": 0, "target": "0", "status": "0", "listView": "list.html", "articleView": "article.html", "seoTitle": "", "seoKeywords": "", "seoDescription": "", "type": "0", "dataConfig": null, "level": 1 }, "article": { "id": 7156, "cid": 27, "subCid": null, "title": "离开职场最大的挑战不是存多少是钱能用多久", "shortTitle": "离开职场最大的挑战不是存多少是钱能用多久", "tagId": "", "attr": "", "articleView": null, "source": null, "author": "网络", "description": "很多人在规划离开职场时，最常问的问题就是：「到底要准备多少钱才够？」有人会用每月生活费乘上退休年数，也有人参考 4% 提领法，希望算出一个目标金额。但真正需要思考的，不是存到一个数字，而是这笔资产能不能支撑未来二、三十年的生活。原因很简单，离开职场后，收入来源改变了，过去每个月都有薪资收入，生活开销主要靠工作支应；离开职场后，每一笔支出都来自自己的资产。如果没有把通膨、医疗支出和市场波动纳入考量，即使准备了一笔看似充足的资金，也可能比预期更早用完，所以在规划离开职场时，不应该只看资产规模，也要", "img": "https://cimg.cnyes.cool/prod/news/6538599/l/c8788abb95548690636a2788554467f3.jpg", "content": "很多人在规划离开职场时，最常问的问题就是：「到底要准备多少钱才够？」有人会用每月生活费乘上退休年数，也有人参考 4% 提领法，希望算出一个目标金额。但真正需要思考的，不是存到一个数字，而是这笔资产能不能支撑未来二、三十年的生活。\n<img src=\"https://cimg.cnyes.cool/prod/news/6538599/l/c8788abb95548690636a2788554467f3.jpg\" alt=\"离开职场最大的挑战不是存多少是钱能用多久\" style=\"width:50%;height:auto;border-radius:6px;margin:15px auto;display:block;\">\n\n\n原因很简单，离开职场后，收入来源改变了，过去每个月都有薪资收入，生活开销主要靠工作支应；离开职场后，每一笔支出都来自自己的资产。如果没有把通膨、医疗支出和市场波动纳入考量，即使准备了一笔看似充足的资金，也可能比预期更早用完，所以在规划离开职场时，不应该只看资产规模，也要思考这些资产未来会如何运用。\n\n比起计算退休金，更重要的是安排资产用途\n\n近年不少人会用 4% 提领法作为参考，透过固定提领比例来估算需要准备多少资产，这个方法提供了一个计算方向，但每个人的生活方式、支出结构和市场环境都不同，很难只靠一个公式完成所有规划，与其把所有资产放在同一个帐户，不如先把用途分开，让不同的资产负责不同的支出。\n\n第一个帐户生活支出\n\n这笔资金主要负责日常生活，包括食、衣、住、行等固定开销，配置重点是稳定，目的在于维持生活，不需要因市场波动而调整日常开支。\n\n第二个帐户生活规划\n\n许多人刚离开职场时，还有旅行、进修、培养兴趣或陪伴家人的计划。这笔资金就是为了这些安排预先准备，不必因为担心日常生活费而放弃原本想完成的事情。\n\n第三个帐户，是医疗与照护\n\n医疗支出通常集中在年纪较大的阶段，而且金额难以预估，提前预留这部分资金，并搭配适当的保险规划，可以降低突发支出对整体资产的影响。\n\n重点不是存多少，而是能不能持续使用\n\n离开职场后，资产不再只是帐户里的一个数字，而是未来生活的主要来源，如果规划只停留在需要多少退休金，很容易忽略通膨、生活成本变化，以及未来不同阶段的资金需求。因此比起一直追求一个目标金额，更值得花时间思考的是，自己的资产是否已经完成分工，能不能在生活、医疗和其他支出之间提供稳定的资金来源。\n\n离开职场不是财务规划的终点，而是开始依靠资产生活的新阶段，当资产能按照不同用途发挥功能，即使面对通膨或市场变化，也比较能按照原本的规划安排未来的生活。\n\n（撰文者：永诚资产管理处财顾团队）\n\n点击下图【60 秒测试你的理财天赋有几分？】\n\n<figure><a href=\"https://quiz.big-econ.com/index.php?&QID=6\"><img data-height=\"190\" data-mime=\"image/png\" data-ratio=\"4\" data-src-m=\"https://cimg.cnyes.cool/prod/news/6538599/m/f38973a56ebbd7b0b1d021d6aa9248c9.jpg\" data-width=\"760\" src=\"https://cimg.cnyes.cool/prod/news/6538599/l/f38973a56ebbd7b0b1d021d6aa9248c9.jpg\" srcset=\"https://cimg.cnyes.cool/prod/news/6538599/l/f38973a56ebbd7b0b1d021d6aa9248c9.jpg 1x,https://cimg.cnyes.cool/prod/news/6538599/xl/f38973a56ebbd7b0b1d021d6aa9248c9.jpg 2x,https://cimg.cnyes.cool/prod/news/6538599/xxl/f38973a56ebbd7b0b1d021d6aa9248c9.jpg 3x\"></a></figure>\n\n「永诚资产管理处」是全台合法拥有金管字号的证券投资顾问公司中「唯一首创资产管理的部门」，20 年深耕专营台湾各大科技园区，以认真、诚信思维提供客户服务，让努力累积财富的你，也可贴身感受理财管家的 VIP 价值。\n\n没有代理金融商品，不以商品销售出发，减少你的财务漏洞！从资产配置出发，透过「专案客制化」、「服务精致化」、「获利系统化」，你不需牺牲时间体力，就能感受到资产提升！\n\n「卓越投资研究团队」加「顶尖财务顾问团队」共同与客户缔造里程碑\n\n▪立即加入 <a href=\"https://line.me/R/ti/p/%40asset88598\">https://line.me/R/ti/p/%40asset88598</a>\n\n▪进一步了解资产管理处 <a href=\"https://www.ycam.com.tw/\">https://www.ycam.com.tw/</a>\n\n▪收听「资产汇谈」Podcast <a href=\"https://reurl.cc/nYeRQ8\">https://reurl.cc/nYeRQ8</a>\n\n本公司所推荐分析之个别有价证券 \n无不当之财务利益关系以往之绩效不保证未来获利 \n投资人应独立判断审慎评估并自负投资风险\n<div class=\"related-articles seo-links\">\n <h4>相关阅读</h4>\n <ul>\n <li><a href=\"/new/tw/article-8212.html\" title=\"AI需求夯继电器厂松川AI 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