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At retirement, individuals stop working and no longer get employment earnings, and enter a phase of their lives, where they rely on the assets they have accumulated, to supply money for their spending needs for the rest of their lives. Retirement spend-down refers to the strategy a retiree follows to spend-down, or decumulate, or withdraw assets during retirement. The term "withdrawal rate" is an alternate name for Retirement spend-down. Retirement planning aims to prepare individuals for retirement spend-down because the different spend-down approaches available to retirees, depend on the decisions they make during their working years. Actuaries and financial planners are experts on this topic. == Importance == More than 10,000 Post-World War II baby boomers will retire in the United States every day between now and 2027.〔(【引用サイトリンク】title=International Foundation for Retirement Education (InFRE) )〕 This represents the majority of the more than 78 million Americans that comprise this generation – those born between 1946 and 1964. 74% of these people are expected to be alive in 2030, which highlights that most of them will live for many years beyond retirement.〔(【引用サイトリンク】title=seniorcitizens.com )〕 By the year 2000, 1 in every 14 people was age 65 or older. By the year 2050, more than 1 in 6 people are projected to be at least 65 years old. The following statistics emphasize the importance of a well-planned retirement spend-down strategy for these people: *Percent of workers who do not feel very confident about having enough money to retire comfortably: 87% *Percent of retirees who do not feel very confident about maintaining financial security throughout their remaining lifetime: 80%〔(【引用サイトリンク】title=Daily News - Articles & Info on Health, Money, Social Security, Medicare, Politics - Bulletin Today )〕 *Percent of workers over age 55 with less than $50,000 of savings: 49% *Percent of workers who have not saved at all for retirement: 25%〔 *Percent of workers who are not currently saving for retirement: 35%〔 *Percent of workers who have not tried to calculate their income needs in retirement: 56%〔 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Retirement spend-down」の詳細全文を読む スポンサード リンク
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