In America, there is a saying, the essence of which is to ensure that there is no such price that it would be impossible to pay for the happiness in the golden retirement years - on the materials AMarkets.
However, if you approach the issue rationally, even for a carefree retirement well-being can be calculated in dollars and the price. Experts S & P Capital IQ calculated that in order to live a normal life in the retirement years, Americans need to save time in the pre-retirement of at least $ 1 million. It is much more than the amount received by experts in earlier cost estimates for the period 1990-1997. At that time, citizens of the United States was enough to save before retirement $ 200000- $ 300000 to have the same standard of living.Counting was carried out taking into account inflation. So you can imagine the scale of price increases! And it is, of course, not only in inflation. It is assumed that people keep savings are not in cash but in the form of marketable assets that generate regular income. The traditional "retirement" asset - trezheris - alas, no longer the assistant. And now, in order to maintain an acceptable lifestyle in retirement average American citizen would have to have at least $ 1 million. The increase rate FEDom not save - very slight increase.
Specialists USA Today, have estimated that a hypothetical retirement account in the amount of $ 100,000 is sufficient only to cover the operating costs in the proportion of households 3.9%.
Now American retirees receive from investments in trezheris only 9.6% of their income. For example, in 1981 the share of income from the Treasury bonds in the budget of an average pensioner was 31.1% (data from Thompson).