An Estimate for Needed Retirement Savings
Posted: November 5, 2012 at 9:50 am
Eleven times your final working salary.
That's how much an average worker needs beyond Social Security payments, from sources like personal savings and employer benefits, to pay for retirement at age 65, a new analysis from the benefits consultant Aon Hewitt finds. The estimate takes into account inflation and post-retirement medical costs. And it is based on the retiree continuing to maintain the same standard of living.
Delaying retirement to age 67 reduces the amount to 9.4 times pay, while retiring earlier, at age 62, increases it to 13.5 times pay, the report said.
The analysis, which examined the projected retirement levels of about 2.2 million employees at 78 large companies in the United States, found that most employees are not on track to meet the goal of 11 times pay, although many are doing a bit better than they were a couple of years ago.
Most "full-career" employees are on track to save 8.8 times their final pay, leaving a shortfall of 2.2 times pay, the analysis found. That's a bit better than the shortfall of 2.4 times pay in 2010. Full-career employees are those who have a potential career of 30 years or more with their current employer before retirement, and who are currently saving in their defined-contribution retirement plan, like a 401(k).
Workers need to save more, however, to close the gap.Or employers could provide more generous contributions.(Companies without traditional pension plans generally contribute about 6 percent of pay to employees' retirement each year.) Fewer than 30 percent of full-career employees are on track to achieve adequate retirement income, Aon Hewitt found.
How much of your income are you saving for retirement? Do you think 11 times your pay is achievable?
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An Estimate for Needed Retirement Savings
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Anastasia performs tribal fusion dance to "Wake" by Adam Hurst, at the Haunted Hips Halloween Hafla, Ft. Wayne, Indiana. I do not own the rights to this music. It is available on itunes (Adam Hurst). I was not paid to make this video. It is my own personal performance, done simply for the love of it in the company of my dance sisters at the Haunted Hips Halloween Hafla, Ft. Wayne, IN.From:dollladieViews:5 2ratingsTime:04:09More inEntertainment
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A few more we may have missed:- Why don #39;t they talk about it? Many of them do not talk about it because they have contracts with companies like Gatorade to promote their products... whether they drink it or not Kangen Water is not just for celebrities -- now you can be just like them. Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is ...From:Bryan RidgleyViews:1 0ratingsTime:02:20More inPeople Blogs
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Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is life enhancing and a positive ORP is life depleting. Almost every beverage and bottled water on the market (including distilled and reverse osmosis) has a positive ORP. Kangen water has the most life enhancing ORP of any kind water available today Active Hydrogen This is perhaps the ...From:Bryan RidgleyViews:0 0ratingsTime:09:23More inEducation
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Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is life enhancing and a positive ORP is life depleting. Almost every beverage and bottled water on the market (including distilled and reverse osmosis) has a positive ORP. Kangen water has the most life enhancing ORP of any kind water available today Active Hydrogen This is perhaps the ...From:Bryan RidgleyViews:0 0ratingsTime:09:26More inEducation
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Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is life enhancing and a positive ORP is life depleting. Almost every beverage and bottled water on the market (including distilled and reverse osmosis) has a positive ORP. Kangen water has the most life enhancing ORP of any kind water available today Active Hydrogen This is perhaps the ...From:Bryan RidgleyViews:0 0ratingsTime:08:27More inEducation
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