<p>在不断变化的退休规划环境中，富达投资揭示了如今退休人员收入的三大主要来源。随着 2025 年越来越多的美国人达到传统退休年龄，了解这些来源及其对未来退休人员的影响至关重要。让我们深入细节，探讨为何多元化收入来源可能是您能做出的最明智的选择。</p>
<p>退休人员收入的三大主要来源</p>
<p>1. 社会保障：这仍然是退休人员最可靠和可预测的收入来源。它提供稳定的支付流，帮助覆盖住房、食品和医疗保健等基本开支。</p>
<p>2. 养老金：对于那些幸运拥有养老金的人来说，养老金提供了保证的收入流，可以显著减轻退休的经济负担。然而，养老金变得越来越少见，使其成为未来退休人员不太可靠的收入来源。</p>
<p>3. 来自个人退休账户（IRA）、401(k) 计划或其他工作场所和小型企业计划的退休储蓄：这是正在发生变化的地方。越来越多的退休人员依赖自己的储蓄来资助退休。这一转变凸显了主动储蓄和投资的重要性。</p>
<p>对未来退休人员的影响</p>
<p>依赖来自个人退休账户（IRA）、401(k) 计划或其他工作场所和小型企业计划的退休储蓄是对传统退休收入来源的重大转变。这意味着未来的退休人员需要更加主动地为退休储蓄和投资。富达的研究强调，生活成本和医疗费用的上升将要求未来的退休人员拥有更为多元化和稳健的退休计划，以确保在黄金岁月中的财务安全。</p>
<p>为何要多元化收入来源？</p>
<p>多元化收入来源可以降低依赖单一或有限数量收入流所带来的风险。以下是实现这种多元化的一些策略：</p>
<p>1. 结合固定和可变年金：固定年金，如 TIAA 传统年金，以稳定的速度增长，并在整个退休期间保证每月收入，提供稳定的收入来源。可变年金，如 CREF 或 TIAA 房地产年金，如果其基础投资表现良好，提供更高的支付潜力，但伴随更高的风险。结合这两种类型的年金可以帮助平衡潜在的风险和收益水平。</p>
<p>2. 预留现金储备：预留一年的现金，以补充来自年金、养老金、社会保障、租赁物业和其他经常性来源的年度收入。这笔现金应存放在相对安全、流动性好的账户中，如带利息的银行账户或货币市场基金。有了这笔现金，您就不必过于担心市场波动或每月的薪水。您可以从这个账户支出，并定期用投资组合中的资金进行补充。</p>
<p>3. 创建短期储备：接下来，在您的投资组合中创建相当于两到四年生活费用的短期储备，再次考虑其他常规收入来源。这笔钱可以投资于高质量的短期债券或其他固定收益投资，如短期债券或债券基金。或者，如果您更愿意管理个别投资，您可能想要创建一个短期定期存款（CD）或债券阶梯——一种投资于到期日错开的 CD 或债券的策略，以便定期收回收益。当 CD 或债券到期时，您可以使用这笔钱来补充您的银行账户。</p>
<p>4. 投资其余的投资组合：在手头有一年的现金和短期储备的情况下，将投资组合的其余部分投资于与您的目标和风险承受能力相符的投资。您在这里的总体目标应该是持有股票、债券和现金投资的组合，以产生增长、提供收入并保护您的资本。</p>
<p>结论</p>
<p>随着我们向前发展，多元化收入来源的重要性不容小觑。通过结合固定和可变年金、预留现金储备、创建短期储备以及明智地投资其余投资组合，您可以降低依赖单一或有限数量收入流所带来的风险。这种方法确保您在市场波动期间仍有稳定的收入来源，并能够随着时间的推移适应您的变化需求。</p>
<p>因此，如果您正在为退休做准备，请仔细审视您的收入来源，并考虑进行多元化。您的未来自我将感谢您。</p>

富达国民信息服务

<p>富达投资公司已确定退休人员收入的三大主要来源：社会保障、养老金以及来自个人退休账户（IRA）和 401(k) 计划的退休储蓄。随着越来越多的退休人员依赖个人储蓄，收入来源的多样化对于财务安全变得至关重要。策略包括结合固定和可变年金、留出现金储备、创建短期储备以及明智地投资剩余的投资组合。这种多样化有助于降低风险，并确保在退休期间获得稳定的收入，尤其是在生活成本和医疗费用上升的背景下</p>

<p>In the ever-evolving landscape of retirement planning, fidelity Investments has shed light on the top three sources of retiree income today. As we navigate through 2025, with a record number of Americans reaching traditional retirement age, understanding these sources and the implications for future retirees is crucial. Let's dive into the details and explore why diversifying your income streams might be the smartest move you can make.</p>
<div class="lb-trans"><p>在不断变化的退休规划环境中，富达投资揭示了如今退休人员收入的三大主要来源。随着 2025 年越来越多的美国人达到传统退休年龄，了解这些来源及其对未来退休人员的影响至关重要。让我们深入细节，探讨为何多元化收入来源可能是您能做出的最明智的选择。</p>
</div><p>The Top Three Sources of Retiree Income</p>
<div class="lb-trans"><p>退休人员收入的三大主要来源</p>
</div><p>1. Social Security: This remains the most reliable and predictable source of income for retirees. It provides a steady stream of payments that can help cover essential expenses like housing, food, and healthcare.</p>
<div class="lb-trans"><p>1. 社会保障：这仍然是退休人员最可靠和可预测的收入来源。它提供稳定的支付流，帮助覆盖住房、食品和医疗保健等基本开支。</p>
</div><p>2. Pensions: For those fortunate enough to have them, pensions offer a guaranteed income stream that can significantly ease the financial burden of retirement. However, pensions are becoming less common, making them a less reliable source for future retirees.</p>
<div class="lb-trans"><p>2. 养老金：对于那些幸运拥有养老金的人来说，养老金提供了保证的收入流，可以显著减轻退休的经济负担。然而，养老金变得越来越少见，使其成为未来退休人员不太可靠的收入来源。</p>
</div><p>3. Retirement Savings from IRAs, 401(k) s, or Other Workplace and Small Business Plans: This is where the shift is happening. More and more retirees are relying on their own savings to fund their retirement. This shift underscores the importance of proactive saving and investing.</p>
<div class="lb-trans"><p>3. 来自个人退休账户（IRA）、401(k) 计划或其他工作场所和小型企业计划的退休储蓄：这是正在发生变化的地方。越来越多的退休人员依赖自己的储蓄来资助退休。这一转变凸显了主动储蓄和投资的重要性。</p>
</div><p>The Implications for Future Retirees</p>
<div class="lb-trans"><p>对未来退休人员的影响</p>
</div><p>The reliance on retirement savings from IRAs, 401(k) s, or other workplace and small business plans is a significant shift from traditional retirement income sources. This means that future retirees will need to be more proactive in saving and investing for their retirement. The rising cost of living and health care expenses, as highlighted by Fidelity's study, will require future retirees to have a more diversified and robust retirement plan to ensure financial security in their golden years.</p>
<div class="lb-trans"><p>依赖来自个人退休账户（IRA）、401(k) 计划或其他工作场所和小型企业计划的退休储蓄是对传统退休收入来源的重大转变。这意味着未来的退休人员需要更加主动地为退休储蓄和投资。富达的研究强调，生活成本和医疗费用的上升将要求未来的退休人员拥有更为多元化和稳健的退休计划，以确保在黄金岁月中的财务安全。</p>
</div><p>Why Diversify Your Income Sources?</p>
<div class="lb-trans"><p>为何要多元化收入来源？</p>
</div><p>Diversifying your income sources can mitigate the risks associated with relying on a single or limited number of income streams. Here are some strategies to achieve this diversification:</p>
<div class="lb-trans"><p>多元化收入来源可以降低依赖单一或有限数量收入流所带来的风险。以下是实现这种多元化的一些策略：</p>
</div><p>1. Combine Fixed and Variable Annuities: Fixed annuities, like TIAA Traditional, grow at a steady rate and guarantee monthly income throughout retirement, providing a stable source of income. Variable annuities, such as CREF or TIAA Real Estate, offer the potential for higher payouts if their underlying investments perform well, but they come with more risk. Combining these two types of annuities can help balance potential risk and return levels.</p>
<div class="lb-trans"><p>1. 结合固定和可变年金：固定年金，如 TIAA 传统年金，以稳定的速度增长，并在整个退休期间保证每月收入，提供稳定的收入来源。可变年金，如 CREF 或 TIAA 房地产年金，如果其基础投资表现良好，提供更高的支付潜力，但伴随更高的风险。结合这两种类型的年金可以帮助平衡潜在的风险和收益水平。</p>
</div><p>2. Set Aside Cash Reserves: Set aside one year of cash to supplement your annual income from annuities, pensions, Social Security, rental properties, and other recurring sources. This cash should be held in a relatively safe, liquid account, such as an interest-bearing bank account or money market fund. With this cash on hand, you won't have to worry as much about the markets or a monthly paycheck. You can spend from this account and replenish it periodically with funds from your investment portfolio.</p>
<div class="lb-trans"><p>2. 预留现金储备：预留一年的现金，以补充来自年金、养老金、社会保障、租赁物业和其他经常性来源的年度收入。这笔现金应存放在相对安全、流动性好的账户中，如带利息的银行账户或货币市场基金。有了这笔现金，您就不必过于担心市场波动或每月的薪水。您可以从这个账户支出，并定期用投资组合中的资金进行补充。</p>
</div><p>3. Create a Short-Term Reserve: Next, create a short-term reserve in your investment portfolio equivalent to two to four years' worth of living expenses, again after accounting for other regular income sources. This money can be invested in high-quality, short-term bonds or other fixed income investments, such as short-term bonds or bond funds. Or, if you'd rather manage individual investments, you might want to create a short-term CD or bond ladder—a strategy in which you invest in CDs or bonds with staggered maturity dates so that the proceeds can be collected at regular intervals. When the CDs or bonds mature, you can use the money to replenish your bank account.</p>
<div class="lb-trans"><p>3. 创建短期储备：接下来，在您的投资组合中创建相当于两到四年生活费用的短期储备，再次考虑其他常规收入来源。这笔钱可以投资于高质量的短期债券或其他固定收益投资，如短期债券或债券基金。或者，如果您更愿意管理个别投资，您可能想要创建一个短期定期存款（CD）或债券阶梯——一种投资于到期日错开的 CD 或债券的策略，以便定期收回收益。当 CD 或债券到期时，您可以使用这笔钱来补充您的银行账户。</p>
</div><p>4. Invest the Rest of Your Portfolio: With a year's worth of cash on hand and a short-term reserve in place, invest the remainder of your portfolio in investments that align with your goals and risk tolerance. Your overarching goal here should be to hold a mix of stock, bond, and cash investments that can generate growth, provide income, and preserve your capital.</p>
<div class="lb-trans"><p>4. 投资其余的投资组合：在手头有一年的现金和短期储备的情况下，将投资组合的其余部分投资于与您的目标和风险承受能力相符的投资。您在这里的总体目标应该是持有股票、债券和现金投资的组合，以产生增长、提供收入并保护您的资本。</p>
</div><p>Conclusion</p>
<div class="lb-trans"><p>结论</p>
</div><p>As we move forward, the importance of diversifying your income sources cannot be overstated. By combining fixed and variable annuities, setting aside cash reserves, creating a short-term reserve, and investing the rest of your portfolio wisely, you can mitigate the risks associated with relying on a single or limited number of income streams. This approach ensures that you have a stable income source even during market fluctuations and can adapt to your changing needs over time.</p>
<div class="lb-trans"><p>随着我们向前发展，多元化收入来源的重要性不容小觑。通过结合固定和可变年金、预留现金储备、创建短期储备以及明智地投资其余投资组合，您可以降低依赖单一或有限数量收入流所带来的风险。这种方法确保您在市场波动期间仍有稳定的收入来源，并能够随着时间的推移适应您的变化需求。</p>
</div><p>So, if you're planning for retirement, take a closer look at your income sources and consider diversifying. Your future self will thank you.</p>
<div class="lb-trans"><p>因此，如果您正在为退休做准备，请仔细审视您的收入来源，并考虑进行多元化。您的未来自我将感谢您。</p>
</div>

富达国民信息服务揭示了当今退休人员收入的前三大来源：你是否应该多样化你的收入来源？