This is how much you need for retirement — and how COVID-19 will change that

This article was originally posted here

Americans need on average 70% of their pre-retirement income to live comfortably after exiting the workforce, but many do not have that much saved away — and the coronavirus crisis is about to make it worse.

Workers who retire at 62 have a median replacement ratio of about 55%, according to the New School’s Schwartz Center for Economic Policy Analysis. A replacement ratio is how much pre-retirement income a person needs to maintain her standard of living in retirement.

But that figure is expected to drop seven percentage points, to 48%, because of the pandemic-fueled recession. Workers who retire at 65 years old could have a replacement ratio drop from 69% to 60%. About 3.1 million older workers and their spouses will fall into “de facto” poverty when they retire, which is a measurement twice as high as federal poverty levels, said Teresa Ghilarducci, the director of SCEPA.

The drop in ratios will likely be the result of market volatility and unemployment rates, which have hit record levels in the last two months. All earners, even high-income individuals, will feel some sort of impact from the COVID crisis, the New School report found.

Low-earning older workers in particular will suffer, who already have little saved and a higher reliance on Social Security. Some people may be forced into retirement earlier than expected because of a loss of job and difficulty finding a new one.

Comparatively, higher-income older workers will see the effects of the coronavirus crisis in their portfolios. Middle-income workers will perhaps be hit the hardest, because of market losses for those who have saved as much as they can in retirement accounts. The coronavirus crisis is worsening many Americans’ retirement goals — especially considering so many were already underprepared for their futures.

The replacement ratio is a useful tool for people planning their retirements while in their 20s through 50s, but it is less useful the closer a person is to retirement, said Daniel Galli, a financial adviser and founder of Daniel J. Galli & Associates.

“Using a percentage of pre-retirement income suggests financially identical income needs during retirement,” he said. “That just doesn’t happen.” Everyone has different goals in retirement — some may want to stay in their communities and volunteer part-time, while others want to travel the world — and those dreams have different price tags.

Not everyone is feeling the rippling effects of COVID-19 on their retirements yet. Some people have followed through with their plans despite the pandemic, especially if they had a financial plan. Advisers typically suggest people go through with their retirements, even in the middle of a crisis, if they have solid financial plans that account for market volatility and a bit of the unexpected.

Instead of a replacement ratio, individuals closer to retirement may want to focus on their withdrawal rates, said Scott Bishop, partner and executive vice president of financial planning at STA Wealth Management. The rule of thumb is 4% a year, so someone with $1 million in savings would withdraw $40,000 a year, but that doesn’t work for everyone either. The current crisis also has the potential to upend that model because market volatility has lowered portfolio assets, and thus distributions would be lower, he said.

This is especially problematic for people who are just starting to withdraw from their savings, known as the “sequence of return” risk. Investors who start their retirement with a decline in asset value will have a decreased retirement ratio, said Chris Chen, a financial adviser at Insight Financial Strategists. “The good news is that the markets have a positive bias such that over the long term they increase in value,” he said. “If you are brave, you can count on that for the future.”

Editor's Note: A $54,072 Benefit Every Retiree Should See

There is a little-known way – hidden within the reams of public documents published by the Social Security Administration – that could let you collect up to an additional $54,072.

Let me repeat that: You could collect up to an EXTRA $54,072.

This surprising technique is spelled out in several public documents.

It can mean the difference between a comfortable retirement or years of struggle.

And yet most folks often miss it. 

And that’s not the only income-boosting secret that has been buried by a mountain of bureaucratic paperwork and red tape…

You could also:

  • Collect an extra $5,600 in Social Security benefits each year by filing two forms instead of one.
  • Get up to $2,500 a month in tax free money from your county treasury office.
  • Receive a $3,250 reward each year from the IRS.
  • And TRIPLE your dividend income with a nearly forgotten group of stocks.

These are just a few of the secrets Ted Bauman has laid wide open in his new book, “Endless Income: 50 Secrets to a Happier Richer Life.”

And, if you act fast, you could claim a copy free.

Whether it’s collecting rent without owning any property, keeping an extra $4,800 in your pocket each year with one of President Trump’s favorite tax breaks or getting paid $565 a month for keeping your nest egg safe … Ted reveals full details on 50 secrets the anyone can use for collecting nearly effortless extra income.

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Is L.A.S.E.R. The Greatest Tech Breakthrough in History?

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2,467% Return on Israeli Laser Company

Learn the 3 Steps You Need to Protect Your Retirement and One Stock that Could Soar 2,476% in Nine Months.
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One Tweet From Elon Could Blow This Story Wide Open

Last year, anyone who listened to this man about Tesla could’ve made EIGHT TIMES their money. Now he’s revealing how Elon’s NEXT big move will revolutionize ANOTHER massive $23 trillion market.
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$25 to Profit from 20,000 IPOs

Days from now — 20,000 ‘IPOs’ could start flooding the market…
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