Sentences with phrase «replacement ratio»

Income - oriented goals are those targeting a specific standard of living, withdrawal rate, or income replacement ratio in retirement.

You can't talk about replacement ratios for somebody who may be ten plus years away from retirement because it's not really meaningful.

You can't talk about replacement ratios for somebody who may be ten plus years away from retirement because it's not really meaningful.

The reserve replacement ratio can help judge the operating performance of an exploration and production company.

The 70 % to 80 % replacement ratio target would, if achieved, lead to a society where retired workers have much higher living standards than working families with children.

The result is less saving, of course, but also a need for a higher replacement ratio.

It does not have a 1 to 1 replacement ratio with almond flour, so you would have to experiment with it a bit.

When evaluating the success of a retirement plan, sponsors should consider output - focused metrics, such as income replacement ratios by employee cohort.

According to Price, some measure income replacement ratios, while some measure a wealth accumulation factor — which is a participant's account balance divided by pay.

The reserve replacement ratio can help judge the operating performance of an exploration and production company.

And so we talked about replacement ratios, for instance.

The Aon Consulting / Georgia State University 2004 Retirement Income Replacement Ratio Study.

First, there is no reason to believe target replacement ratios in Canada and the US should be the same.

This lowers the standard of living of working Canadians relative to Americans and makes it easier for Canadians to retire comfortably with a smaller income and a lower replacement ratio than Americans.

Asked to comment on the study, Hamilton — now a senior fellow with C.D. Howe Institute — said in an email that while it's good that people are questioning traditional replacement ratio targets, there are two ways the study is not directly applicable to Canadians:

The bottom line, though, is that at this stage of retirement planning you need to move beyond replacement ratios and start putting some numbers together that reflect, as best you're able, how much you'll have to spend to live an acceptable lifestyle in retirement.

One mutual fund company recently bumped the recommended replacement ratio up to 80 % by assuming that you will spend just as much when you retire as you do while you are working.

Its valuation & prospects are therefore increasingly dependent on its future replacement ratio — risk profile's also elevated by the fact that it's becoming increasingly Africa - centric.

Generally speaking, the 70 % of income replacement ratio works because once you subtract taxes and work - related expenses (plus savings), it's close to 100 % of expenses in most cases.

However, as retirement plan sponsors focus on increasing retirement income replacement ratios for participants and new generations enter the workforce, they need to look at enhancing their retirement programs so participant retirement goals are met.

Fifty per cent should suffice, Vettese argues, leaning heavily on a familiar analysis from fellow (and now retired) actuary Malcolm Hamilton: that after families are done with child - raising, mortgages and even retirement saving and income tax, you can get by on a lot less than the higher replacement ratio that the financial industry is motivated to recommend.

Aon's Replacement Ratio Study This report calculates the percentage of pre-retirement income one needs in retirement.

And so we talked about replacement ratios, for instance.

Only 22 % of retirement plan sponsors are currently benchmarking the Income Replacement Ratio for their participants.

The income replacement ratio is the percentage of pre-retirement income that an individual is likely to need to maintain their standard of living in retirement.

«The objective was to offer employees a certain replacement ratio... It assumed that the employee worked in Canada and had a certain replacement ratio from the CPP or the QPP.

Even Lukoil for instance, another big & cheap Russian oil company has a replacement ratio of only slightly above 100 %.

I would like to start using this date paste in some of my other recipes, what would be the replacement ratio to regular sugar be?

Hamilton says that the 60 % replacement ratio is a good rule - of - thumb for childless single retirees who own their own home, while 70 % is more appropriate for single childless renters.

In my view, a better rule of thumb is to aim for a replacement ratio of 50 % to 60 % for couples, and 60 % to 70 % for singles, assuming you have a paid - for home and your kids are financially independent.

Consequently, the standard of living that is being maintained by the 70 % to 80 % replacement ratios (or the 54 % to 87 % replacement ratios) is not the standard of living that people enjoy during most of their working lives.

The rule of thumb you're referring to stems from «replacement ratios» — or the percentage of pre-retirement income you need to replace in retirement to maintain the standard of living you enjoyed during your career — that have been calculated over the years by researchers at Georgia State University and professional services firm Aon.

Although the 70 % figure you mention is often cited — indeed, some people refer to «the 70 % rule» — the research shows the replacement ratio may actually be more in the neighborhood of 80 % for many retirees, and upwards of 90 % or so for those with very low or very high incomes (although Social Security will provide the bulk of the retirement income for low - earners, while high - earners will have to rely more heavily on savings).

The $ 600,000 capital will replace 20 % of the income they were earning in their working lives, and CPP and OAS will generate 32 %, for a total 52 % replacement ratio.

Once you're satisfied that you have a relatively firm grasp on what your retirement expenses will be, you can then plug that figure into the calculator instead of a replacement ratio to gauge whether you've got enough saved for retirement (and, if not, estimate how much you'll need).

Make no mistake: these replacement ratios are still estimates, albeit ones that are grounded in research based for the most part on spending data from the Department of Labor's Consumer Expenditure Survey.

He adds these scenarios could be excellent opportunities for participants nearing retirement age to make necessary changes in order to achieve their retirement goals, whether it be aiming for a different income - replacement ratio or seeking guaranteed income outside of Social Security benefits.

«A managed account can be good for participants, but they are particularly effective for those who are engaged and will provide the managed account manager with more information, such as risk preferences, assets outside of the plan, and desired income replacement ratio,» he says.

Even shifted 5 years for a later start, and scaled for a 70 - 75 % replacement ratio, you should be at 2X (or $ 440K) by now.

The replacement ratio is less for higher income workers.

Vettese also tackles the perennial topic of how much money you need to accumulate, which is closely related to the replacement ratio.

Compare that to your current income to arrive at what's called a replacement ratio, or how much of your income you should aim to replace in retirement.

The replacement ratio has fallen for the last four years.

When people discuss retirement needs, the conversation often boils down to a replacement ratio, how much of your pretax income do you need to continue in your current lifestyle?

For more on this subject, check out Michael's article in defense of the 70 % replacement ratio.