存够多少钱可以退休？

Did you save enough for retirement in 2017? Will you save more in the new year? Perhaps a more important question is: ‘‘How much is enough?’’

2017年你是否存够了退休的钱?在新的一年里你会存更多的钱吗?或许一个更重要的问题是:存多少才算够?

These were among the reasons Schroders asked 22,000 people about their pension plans in its Global Investor study. The results paint a clear picture of what people want and how they hope to achieve it.

施罗德在其全球投资者研究中询问了22,000人的退休金计划。研究结果清楚地描绘了人们想要什么，以及他们希望如何实现这一目标。

Investors in the UK told us they should be saving 12.4pc of salary each year – but save only an average of 11.3pc. They would also like to retire at 59.7 years on average.

英国的投资者告诉我们，他们应该每年存工资的12.4%，但实际上平均只存了11.3%。他们也希望平均退休年龄为59.7岁。

Among those already retired, the most telling response was that 42pc wished they had saved more.

而在那些已经退休的人中，有42%的人希望自己能够存更多的钱。

With this in mind, those working today seem increasingly to understand the need to save for themselves. The Global Investor study study found the average investor only expects 29pc of retirement income to come from a company pension scheme, roughly the same as they expect to fund from their investments and private pensions.

考虑到这一点，那些今天工作的人似乎越来越明白要为自己存钱。《全球投资者研究》(Global Investor study)的研究发现，普通投资者只希望从公司养老金计划中获得29%的退休收入，与他们从投资和私人养老金中获得的资金大致相同。

This returns us to the key question: how much do you save?

让我们回到这个关键问题：你存了多少钱了？

It is a difficult question to answer accurately as it involves estimating factors you can’t predict, such as future investment returns and how long you might live. But based on a range of assumptions we can get a good indication.

这个问题很难精确回答，因为有很多不能预知的因素在内，例如未来的投资回报，还有你能活到多大岁数。但基于一些猜想，或许能得到一个好的预测。

Our analysis suggests someone who started saving for retirement at 30 may need to make annual contributions of 15pc or more to retire on 50pc of their salary. We’re in an age of low rates and low returns so the earlier you start, the better.

我们的分析表明，在30岁时开始为退休储蓄的人，可能需要每年缴纳15%或更多的养老金，才能在退休时拿到现在工资的50%。我们处在一个低利率和低回报的时代，所以越早开始，越好。

What you can do is take charge – make a commitment to save as much as you can and speak to an independent financial adviser about your own situation.

你所能做的就是承担责任，尽你所能地存钱，并与一位独立的财务顾问谈谈你自己的情况。

Please remember past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested.

请记住，过去的经济状态并不代表现在的经济状态，一切都不会重复发生。投资回报率会下跌也会上涨，投资者也不可能追回原来的投资额。