Abstract
Taiwan has officially entered an aging society and faces the important challenge of aging population. To cope with this situation, retirees need to plan their finances carefully to ensure a stable retirement life. First, establish a comprehensive retirement financial plan that includes considerations for fixed and non-fixed expenses. Secondly, understand your own pension, savings, and investments, and then rationally adjust your investment portfolio to suit your personal risk tolerance. Next, consider health insurance and long-term care plans to cover possible medical expenses in the future. Additionally, aggressively paying down debt, building emergency reserves, engaging in proper tax planning, and updating estate documents are all important steps. At the same time, continue to learn financial knowledge and adjust your lifestyle, including housing, travel, and leisure plans, based on your retirement income. According to the strategies, retirees can manage their finances more effectively and enjoy a stable and secure retirement life.
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This research was supported by National Science and Technology Council of the Republic of China under contract NSTC 112-2420-H-468-001-.
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Lin, YL., Chao, TT., Wang, KY., Yang, HL. (2024). Research on Optimization Strategies of Pension Investment Portfolio — Taking Civil Servants as an Example. In: Barolli, L. (eds) Innovative Mobile and Internet Services in Ubiquitous Computing. IMIS 2024. Lecture Notes on Data Engineering and Communications Technologies, vol 214. Springer, Cham. https://doi.org/10.1007/978-3-031-64766-6_43
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DOI: https://doi.org/10.1007/978-3-031-64766-6_43
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