常在想，到底退休金多少才夠呢？
假如我有一千萬存款，全部拿去買 00878 (國泰永續高股息 ETF)
每年只要穩定有 5% 的殖利率，一年可以領到 50 萬股利
是不是就可以安心退休了？
答案是要看年紀，假設我現年65歲，那這每年 50 萬的股利 + 一千萬的本金
如果不是遇到重大傷病需要花費大量醫藥、看護費用，那勉強夠花了
但假設我只有二、三十或四十來歲，又沒有其餘收入的話
那這些錢肯定不夠花，因為歲月是一把殺豬刀，會把你的錢削薄
下圖是主計處網站所提供的消費者物價指數資料，如果是持股有這種走勢會很開心
依照圖表，近30年物價大約漲了50%
但我覺得其實不只
畢竟物價指標科學麵這二十年來已經從 5 塊漲到 10 塊了
代表 30年 後你的 50 萬股利實際的消費力可能只剩 30 萬，甚至更低
但在 20~40 歲這個區間就有一千萬存款的人
通常不是有一些特別的機遇，例如中樂透或投對胎
又或是當年為了買 Steam 遊戲而換了一堆比特幣忘記賣
就是有著過人之處，有辦法靠實力賺進大把鈔票
這兩類人只要物慾不是太高，其實都不需要擔心退休金問題
如果我們都沒有相似的機遇或實力，那坊間最常見也最老實的方法
就是定期定額，透過複利累積資產
複利計算機指出，假設年化報酬率 6%
每月投入一萬，30 年後就能有一千萬讓我們準備退休
最後別忘了，退休金本身也是可以動用的資金
該用就用，千萬不要想著把錢財留給子孫
如果你希望死後讓小孩子們反目成仇的話再來考慮這件事
這篇文章主要是想提醒大家通膨的影響力
計算遙遠的退休計畫時別忘了考慮進去
祝大家都能提早退休
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