退休规划与供款审查

Good morning, Michael. Thanks for fitting me in. I wanted to revisit my retirement plan, especially as I'm getting closer to stopping work.

Good morning, Emily. Of course. It's always a good idea to review your plan periodically. I have your current portfolio up. What specific areas are you keen to discuss today?

Primarily, I'm concerned about my current contribution rate. Am I putting enough aside to maintain my current lifestyle? And what does that look like in terms of projected income once I retire?

That's a very valid question. Based on your current contributions and assuming a consistent market return, your projected income at retirement would be X dollars per month. We anticipate that covering about 70-75% of your current expenses.

Only 70-75%? I was hoping for closer to 85-90%. What would be the implications of increasing my contributions by, say, another 5% each month starting now?

Excellent idea. Increasing your contributions by 5% would indeed significantly boost your projected income. Let me quickly run the numbers. Yes, that change would push your projected coverage closer to 88-90%, which aligns with your goal.

That's much better. Are there any other strategies we should consider? Perhaps rebalancing the portfolio for slightly more aggressive growth, given my time horizon?

We can certainly look at that. A slight rebalance towards growth assets could enhance returns, but it would also introduce a bit more volatility. We need to strike a balance between growth and risk tolerance, especially as you approach retirement. Let's explore a few scenarios for that.

Sounds good. I feel much more comfortable discussing these options. Thank you for your insights.

My pleasure, Emily. We'll adjust your contribution plan and then schedule another meeting next week to dive into portfolio adjustments based on those scenarios. Does that work for you?

Perfect. Thank you, Michael. See you then.