skynesher / E+ / Getty Images
你的父母在经济上为退休做好准备了吗? Do you know if they’ve created a retirement portfolio that will meet their long-term income needs? 这些问题应该作为一个家庭一起讨论. 但有时候，说起来容易做起来难.
A GoBankingRates survey found a majority of Americans (73 percent of respondents surveyed) haven’t had extensive financial talks with their aging parents. 在接受调查的人中, 37%的人表示，这似乎不是一个值得讨论的重要话题, 23%的人尝试过, 但他们的父母拒绝谈论财务问题, 19 percent were afraid to bring up the topic and 17 percent stated talking about money is taboo in their family.
It’s common for parents and adult children to think this is an awkward or overwhelming topic, 但这不是必须的, especially if you come prepared with the right questions to ask your parents when beginning this type of conversation. 你现在的沟通就越开放, 你在未来可能要面对的冲突和失望就会减少.
开始谈论退休计划时要问的问题
“你对自己的退休生活有什么设想?"
This is an opportunity to hear about your parents’ retirement goals and see if everyone is on the same page. This would be a good starter question for parents who have never talked about finances or haven’t saved any finances for retirement.
有众所周知的收入选择, 比如401(k)计划和社会保障计划, 但是你的父母还有什么投资和储蓄呢? An Insured Retirement Institute (IRI) report stated only 16 percent of retirees surveyed count on Social Security for 50 percent or more of their income. The report also found Social Security is less than 25 percent of income for more than one-half of retirees surveyed.
This discussion is a time to learn what the soon-to-be retired or newly-retired parent wants. It can also be a time for an adult child to share what they think their parents should be considering. Do the two outlooks align and do the parents’ current finances meet their future retirement needs?
“你对现在退休后的财务状况满意吗?? 我想确保你所有的日常需要都能得到满足."
This question could lead to a good topic that’s focused on whether your parents have the retirement income to cover housing, 运输, 卫生保健, 每月开支及以上. 你的父母计划在退休后从事某种工作吗? IRI的报告发现, 在接受调查的退休人员中, 72 percent aren’t currently looking for employment and 63 percent stayed in their home after retiring. 这可能是一个很好的时间来确定一个平均的一天, week or month looks like for your parents in retirement and figuring out what type of budget will be necessary to maintain that lifestyle.
“我关心你的健康和生活质量. 以防出现不可预见的健康问题或医疗紧急情况, 你看过长期护理保险吗?"
If elderly parents are facing health issues that could go beyond Medi护理 coverage, 这将是一个重要的研究课题. 根据IRI的报告, 在接受调查的退休人员中，只有25%的人认为自己可能需要长期护理, versus a probability that 68 percent of those age 65 and older will likely need 护理. Access to affordable medical 护理 and the ability to maintain a healthy lifestyle play a significant role in preparing for life in retirement.
"What do you want your legacy to be and has it been taken 护理 of through legal documents, 比如遗嘱?"
Retirement can bring about a lot of legal matters and decisions that have to be made. You can provide reassurance to your parents that their wishes will be met and legal issues will be taken 护理 of when they’re gone.
他们的财产有什么计划, assets and other beneficiary decisions like power of attorney or executor of the will? Or, what if a parent is incapacitated and important decisions have to be made on their behalf? This might be a good question if you are an only child or you have several siblings and need to find out who gets designated with what responsibility.
“在我这个年纪，你希望能给我什么理财建议??"
This might be another good question for parents who have never talked about finances. This talking point could lead to the discussion of working with a financial professional. 让你的父母知道，开始做财务准备永远不会太迟, and working with an industry professional is something you could do together as a family.
IRI的报告发现 more than six in 10 retirees surveyed work with a financial advisor, and retirees with advisors are 45 percent more likely to have long-term 护理 insurance. Financial professionals understand the industry and can help figure out the correct steps to help meet aging parents’ long-term retirement income goals.
一个重要的总体提醒
虽然这种关于退休储蓄的谈话可能很难进行, it could be harder on everyone in the long run if these questions go unanswered. 对父母开诚布公, 知道带重要的研究来是可以的, documents or even news articles to back up your finance and retirement questions. It’s also possible your parents might have been wanting to have this conversation with you, 也不知道该如何处理这个话题.
It’s fine to not have all of the answers right away and to reach out to someone who will help with the process. A financial professional can act as an outside source and provide objective knowledge, insight and expertise to help guide the financial process along for everyone involved. They can also offer information about the investments needed to create a strong and diverse portfolio to help meet your parents’ long-term retirement income goals.
这些年来，你的父母辛苦了. 有了定制的财务路线图, 他们应该能够享受他们的黄金岁月所提供的所有福利.
The content is provided for informational purposes only and does not constitute advice. 具体细节，这可能适用于您的个人情况, 请联系您的个人理财顾问或保险代理人了解更多细节. 美国股票合约只能通过独立代理出售. Please contact your state insurance department to see if there is an independent insurance agent in your area appointed to sell 美国股票 annuity contracts.
皇冠体育官网保险公司® does not offer legal, investment, or tax advice. 请咨询合格的专业人士.