目錄

推薦序》怪老子：事先做好規畫 才能夠獲得期望的結果...........................012
自序》螞蟻與蚱蜢..................................................................................................014

Part 1》退休收入目標
Chapter 1 退休之路...............................................................................................022
Chapter 2 對退休收入目標的質疑.....................................................................029
Chapter 3 估算退休收入目標..............................................................................042
Chapter 4 新經驗法則...........................................................................................059

Part 2》財富累積目標
Chapter 5 量化財富累積目標..............................................................................072
Chapter 6 利率維持低檔的原因..........................................................................087
Chapter 7 支出型態因年齡而改變.....................................................................103
Chapter 8 死神放假去...........................................................................................117
Chapter 9 估算自己的平均餘命..........................................................................132
Chapter 10 未來是否需要長照...........................................................................142
Chapter 11 支付長照.............................................................................................153
Chapter 12 調整財富累積目標............................................................................171

Part 3》累積階段
Chapter 13 計算儲蓄率........................................................................................188
Chapter 14 完善你的投資策略...........................................................................200
Chapter 15 溫和的儲蓄方法...............................................................................213

Part 4》提領階段
Chapter 16 理性的輪盤賭博...............................................................................226
Chapter 17 重新審視4%法則.............................................................................236
Chapter 18 一定要買年金險的理由..................................................................252

Part 5》退休漫談
Chapter 19 職場年金計畫...................................................................................272
Chapter 20 泡沫危機............................................................................................284
Chapter 21 活在當下............................................................................................297
Chapter 22 美好人生............................................................................................311

附錄
附錄A 美國與加拿大退休和稅務的相似處.......................................................322
附錄B 美國與加拿大的社會安全.........................................................................336
附錄C 其他情境的退休收入目標.........................................................................345
附錄D 本書所使用的假設.....................................................................................352