退休后投资

规划 for retirement doesn't end when you collect the last paycheck from your employer. Being pro-active about protecting the money you have contributed to retirement is important. Making smart investments and adjustments after retirement is equally important.

根据 预期寿命数据 由社会保障局编制, 今天，一个65岁的人还能活下去, 平均, 直到84岁, 一个女人86. 许多退休人员发现自己在努力寻找 安全可靠的投资. The goal is to protect your income streams so you don't run the risk of 不多了 在你一生中.

投资选择

有各种各样的投资选择， 策略 和方法. 退休期间的一些潜在投资包括:

• 共同基金 are used by many people who have long-term investment goals. 共同基金 are diversified and managed by a portfolio manager who purchases a wide variety of securities that fit the investment objective of the fund. 共同基金 spread out the risks of the portfolio due to the diversification. 多样化 虽然不能消除所有风险，但可以帮助平衡风险.
• 债券共同基金 are another choice for many retirees because they are managed to generate regular income payments. This money can be used to help fund your retirement spending needs. Bonds generally have less risk than stocks, although they do have some risk.
• 股票型共同基金 是为长期资本增值而设计的吗. 这些通常用来帮助人们为退休储蓄, and they may make sense for many people after retirement. 这是因为从长远来看, stock funds are better at outperforming inflation than bond funds are. Because the prices of the things you buy are likely to go up while you are retired, 你会希望你的收入增加, 太. Incorporating investments that have the potential for capital appreciation into your retirement investing can help your overall portfolio keep pace with inflation. Keep in mind; all types of investing involve risk, including potential for loss.
• 存单 are a low-risk investment option that is backed by the FDIC up to $250,000. With a CD, you won’t have access to the funds for the duration of the terms. However, the interest income you make after the pre-determined time frame is guaranteed. T在这里 are several different CD options available to get the most out of your retirement plan.
• 年金 are an insurance product that can be a source of income throughout your life. T在这里 are different types of annuities offered: fixed, indexed and variable. It’s important to understand the pros and cons of each option and consider how much risk you’re able to take.

在退休投资方面进行自我教育

寻找一个可靠的投资收入和 了解如何投资 是可能的. Finding the right balance between risk and return is key. 看着 退休收入的来源, the flexibility of your budget and your ability to tolerate risk is a good way to start. 因为投资是一生的追求, you'll want to learn as much as you can so that you can adapt your investments to your changing life needs.