养老金多少才够，两个方法教你算｜投资小知识

Group 1 - The article discusses the importance of calculating retirement expenses and suggests using a formula where annual expenses are divided by 4% to determine the necessary retirement savings [4] - It provides an example where if annual expenses are 80,000, then 80/4% equals 2 million, indicating that one should accumulate 2 million in assets before retirement to maintain their current lifestyle [4] - The article introduces the concept of "pension replacement rate," which is a standard suggesting that to maintain living standards post-retirement, the pension should not be less than 70% of pre-retirement income [5][6] Group 2 - The pension replacement rate is defined as the ratio of post-retirement pension to pre-retirement income, indicating that to sustain the same lifestyle, the monthly pension should be at least 70% of the monthly income before retirement [6] - For instance, if the pre-retirement monthly income is 10,000, the post-retirement average monthly pension should be at least 7,000 [6] - The article warns that if the pension replacement rate is below 55%, the quality of life after retirement will significantly decline, indicating insufficient pension replacement [7]