ABSTRACT In this article we offer a simplified version of the alternative retirement planning model we originally proposed (De Villiers & Roux, 2019). Our method focuses on determining the sustainable lifestyle level (SLL) that an individual can currently afford while still saving enough towards retirement to sustain this lifestyle level up to retirement and beyond. The model is simplified by assuming that the real rate of return on retirement savings before retirement will be the same as the withdrawal rate of income from the accumulated savings during retirement. This method yields a much simpler SLL relationship in that it is more generally applicable albeit possibly less accurate. This approach should improve communication of the extent of the retirement savings challenge, possibly leading to better savings outcomes.

中文翻译：

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评估退休计划可持续生活方式水平的简化方法

摘要在本文中，我们提供了我们最初提出的替代退休计划模型的简化版本（De Villiers＆Roux，2019）。我们的方法着重于确定个人目前可以承受的可持续生活方式水平（SLL），同时仍要为退休储蓄足够的钱，以维持该生活方式水平直至退休及以后。通过假设退休前退休储蓄的实际收益率与退休期间从累积储蓄中提取的收益率相同，可以简化模型。该方法产生了更为简单的SLL关系，因为它可能更不准确，但更通用。这种方法应该改善有关退休储蓄挑战程度的沟通，可能导致更好的储蓄结果。