退休是个热闹而且吸引人的话题，毕竟来美奋斗辛苦折腾几十年终于盼到退休过自己日子的好时光，看老美主流是怎么计划退休的，转

https://finance.yahoo.com/news/6-million-enough-retire-55-130012866.html    

Retiring at 55 With $6 Million Will Buy You This Type of Lifestyle

    Perhaps the most important, and most undervalued, aspect of in-retirement financial planning is this: Your portfolio will continue to generate returns throughout your retirement. At the higher end, if you invest entirely in the S&P 500 you can expect a lot of volatility but long-term returns of 10% – 13% per year. At the lower end, if you invest entirely in bonds you can expect low volatility but long-term yields of 1.6% per year. And if you split the difference to invest in annuities, you can expect guaranteed payments that range based on the specific institution and contract. With a $6 million portfolio, those returns would come out roughly to:

• S&P 500 Index – $600,000 per year in capital gains returns, with periodic losses
• Bonds – $96,000 in yield payments, with losses quite rare
• Annuities – Potentially $300,000 per year in payments, guaranteed by the insurer

It’s important to note two things with bonds. First, most of the time you don’t need to worry about the value (otherwise known as the return) on bonds. You aren’t trying to sell them, just collect the income from their coupon payments, so fluctuations in the bond market won’t be a big concern for your portfolio. Second, these are long-term instruments, but not as long as your retirement. When various bonds expire, you will need to decide whether to keep the cash they generate or buy new instruments.

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• 他心里高兴，非要把地主比下去不开心 -gccard- ♀ (0 bytes) () 12/29/2023 postreply 11:53:17