<p>作者：阿莱桑德拉·马利托</p>
<p>没有哪一代人像婴儿潮一代那样独特——而且可能再也不会有了</p>
<p>对于许多婴儿潮一代的成员来说，个人财务随着时间和资产增值而改善。</p>
<p>婴儿潮一代似乎比其他世代更容易：他们受益于战后经济繁荣，能够接受负担得起的高等教育和工作场所养老金，并在房地产和股市中取得成功——而且没有与后代分享财富。</p>
<p>新的研究发现，这种说法有一定的真实性。</p>
<p>婴儿潮一代在同一生活阶段的财务状况比他们的前辈更为舒适，如果这种趋势持续下去，他们的财务状况将比至少一代人（即 X 世代）更好。</p>
<p>对于许多出生于 1946 年至 1964 年的婴儿潮一代成员来说，他们的个人财务随着时间和资产增值而改善。婴儿潮一代中最年长的今年将满 80 岁，他们在年轻时进入房地产市场，目睹了房价飙升。尽管经历了市场波动和经济衰退，他们的投资在几十年中不断增长。专家指出，他们的教育水平也高于年长的同辈，这有助于提高工资。而且，对于他们来说，高等教育的费用更低：自 1963 年以来，公立大学的平均学费上涨了超过 300%。</p>
<p>“有几件事对婴儿潮一代有利，” 皮尤研究中心社会与人口趋势团队的高级研究员理查德·弗莱表示。</p>
<p>阅读：高房价迫使美国人推迟结婚、生子和其他里程碑</p>
<p>根据皮尤研究中心最近的一份报告，到 2022 年，该群体在 58 至 76 岁时，婴儿潮一代家庭的中位财富为 432,200 美元，而 2001 年静默一代的中位财富为 335,900 美元，1983 年伟大一代的中位财富为 185,300 美元，报告已根据 2024 年的通货膨胀进行了调整。</p>
<p>当然，一些婴儿潮一代的财务状况远好于他们的同龄人；拥有学士学位的人比教育水平较低的人更富有。研究显示，婴儿潮一代家庭中前 10% 的人持有该代人财富的近四分之三，总额为 77 万亿美元。</p>
<p>尽管婴儿潮一代的财务状况在几十年中蓬勃发展，但他们的孩子并不一定因此受益。X 世代可能正面临最大的挑战：这个所谓的 “懒惰一代” 出生于 1965 年至 1980 年，进入劳动力市场时，确定福利养老金开始解体，公司将为退休储蓄的责任转移给员工，401(k) 计划应运而生。</p>
<p>他们还在照顾年迈的亲人以及年轻或成年子女，这些子女比前几代人更晚离开家。X 世代将在社会保障信托基金预计耗尽资金时退休，此时如果国会不采取行动，受益人将面临大约 20% 的福利削减。</p>
<p>“X 世代正处于退休和整体财富积累的完美风暴中，” Transamerica Institute 及其 Transamerica 退休研究中心的首席执行官兼总裁凯瑟琳·科林森表示。</p>
<p>与此同时，千禧一代和 Z 世代可能拥有更光明的未来。年轻一代越年轻，他们越有可能更早开始为退休做准备。婴儿潮一代开始储蓄退休金的中位年龄为 35 岁，而 X 世代为 30 岁，千禧一代为 25 岁，Z 世代为 20 岁，科林森表示。“这为他们的储蓄复利和增长提供了更长的时间。”</p>
<p>尽管如此，未来仍然不确定，皮尤的弗莱表示。年轻一代的教育水平高于年长的同辈，但市场波动、房价、工资增长和社会其他经济因素在未来几十年将如何演变仍然是个未知数。尽管他们的整体教育水平应该对他们有利，弗莱表示，“很难对资产和收入做出预测。”</p>
<p>-阿莱桑德拉·马利托</p>
<p>本内容由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
<p>（完）道琼斯新闻通讯</p>
<p>02-28-26 1354ET</p>

<p>婴儿潮一代已成为最富有的一代，受益于战后经济增长、可负担的教育和房地产成功。到 2022 年，他们的中位财富达到了 432,200 美元，显著高于前几代人。相比之下，X 世代在退休储蓄和经济压力方面面临挑战，而千禧一代和 Z 世代则开始更早地储蓄。尽管年轻一代的教育水平更高，但由于市场波动和经济因素，未来的财务稳定性仍然不确定</p>

<p>By Alessandra Malito</p>
<div class="lb-trans"><p>作者：阿莱桑德拉·马利托</p>
</div><p>There's never been a generation like the baby boomers - and there probably never will be again</p>
<div class="lb-trans"><p>没有哪一代人像婴儿潮一代那样独特——而且可能再也不会有了</p>
</div><p>For many members of the baby-boomer generation, personal finances have improved with time and asset appreciation.</p>
<div class="lb-trans"><p>对于许多婴儿潮一代的成员来说，个人财务随着时间和资产增值而改善。</p>
</div><p>Baby boomers seemed to have it easier than other generations: They benefited from the postwar economic boom, had access to affordable higher education and workplace pensions, and found success in real estate and the stock market - and then didn't share the wealth with subsequent generations.</p>
<div class="lb-trans"><p>婴儿潮一代似乎比其他世代更容易：他们受益于战后经济繁荣，能够接受负担得起的高等教育和工作场所养老金，并在房地产和股市中取得成功——而且没有与后代分享财富。</p>
</div><p>New research has found there's some truth to that narrative.</p>
<div class="lb-trans"><p>新的研究发现，这种说法有一定的真实性。</p>
</div><p>Boomers have been more financially comfortable than their predecessors during the same times of life, and if the trends continue, they'll be better off than at least one generation after them, too: Generation X.</p>
<div class="lb-trans"><p>婴儿潮一代在同一生活阶段的财务状况比他们的前辈更为舒适，如果这种趋势持续下去，他们的财务状况将比至少一代人（即 X 世代）更好。</p>
</div><p>For many members of the baby-boomer generation, who were born between 1946 and 1964, their personal finances have improved with time and asset appreciation. Baby boomers, the oldest of whom are turning 80 this year, have watched home prices soar after getting into the housing market at young age. And while they've weathered market volatility and downturns, their investments have climbed through the decades. They're also more educated than their older counterparts, which lends itself to higher wages, experts note. And for them, higher education was cheaper: The average cost of tuition at a public college is up more than 300% since 1963.</p>
<div class="lb-trans"><p>对于许多出生于 1946 年至 1964 年的婴儿潮一代成员来说，他们的个人财务随着时间和资产增值而改善。婴儿潮一代中最年长的今年将满 80 岁，他们在年轻时进入房地产市场，目睹了房价飙升。尽管经历了市场波动和经济衰退，他们的投资在几十年中不断增长。专家指出，他们的教育水平也高于年长的同辈，这有助于提高工资。而且，对于他们来说，高等教育的费用更低：自 1963 年以来，公立大学的平均学费上涨了超过 300%。</p>
</div><p>&#34;A few things worked in boomers' favor,&#34; said Richard Fry, senior researcher on the social and demographics trends team at Pew Research Center.</p>
<div class="lb-trans"><p>“有几件事对婴儿潮一代有利，” 皮尤研究中心社会与人口趋势团队的高级研究员理查德·弗莱表示。</p>
</div><p>Read: The steep price of housing is forcing Americans to delay marriage, kids and other milestones</p>
<div class="lb-trans"><p>阅读：高房价迫使美国人推迟结婚、生子和其他里程碑</p>
</div><p>By the time the cohort had reached the ages of 58 to 76 in 2022, the median wealth of baby-boomer households was $432,200, compared with $335,900 for the Silent Generation in 2001, and $185,300 for the Greatest Generation before them in 1983, according to a recent Pew Research Center report that adjusted for inflation as of 2024.</p>
<div class="lb-trans"><p>根据皮尤研究中心最近的一份报告，到 2022 年，该群体在 58 至 76 岁时，婴儿潮一代家庭的中位财富为 432,200 美元，而 2001 年静默一代的中位财富为 335,900 美元，1983 年伟大一代的中位财富为 185,300 美元，报告已根据 2024 年的通货膨胀进行了调整。</p>
</div><p>Of course, some baby boomers are significantly better off than their peers; those with bachelor's degrees were wealthier than those with lower levels of education. The top 10% of baby-boomer households held almost three-quarters of the $77 trillion in wealth the generation holds, the research showed.</p>
<div class="lb-trans"><p>当然，一些婴儿潮一代的财务状况远好于他们的同龄人；拥有学士学位的人比教育水平较低的人更富有。研究显示，婴儿潮一代家庭中前 10% 的人持有该代人财富的近四分之三，总额为 77 万亿美元。</p>
</div><p>Still, even with more degrees under their belts, the generations younger than the baby boomers are still finding their footing as they plan for retirement. Americans' median retirement savings, when accounting just for people with any retirement savings, was $40,000, according to the National Institute of Retirement Security. When also factoring in American workers without retirement savings, the median amount is $955.</p>
<div class="lb-trans"><p>尽管婴儿潮一代的财务状况在几十年中蓬勃发展，但他们的孩子并不一定因此受益。X 世代可能正面临最大的挑战：这个所谓的 “懒惰一代” 出生于 1965 年至 1980 年，进入劳动力市场时，确定福利养老金开始解体，公司将为退休储蓄的责任转移给员工，401(k) 计划应运而生。</p>
</div><p>Though boomers' financial well-being blossomed over the decades, their children did not necessarily benefit as a result. Gen X might have it the hardest right now: The so-called slacker generation, born between 1965 and 1980, entered the labor force at a time when defined-benefit pensions began to dissolve and companies placed the responsibility of saving for old age on workers, with the advent of the 401(k).</p>
<div class="lb-trans"><p>他们还在照顾年迈的亲人以及年轻或成年子女，这些子女比前几代人更晚离开家。X 世代将在社会保障信托基金预计耗尽资金时退休，此时如果国会不采取行动，受益人将面临大约 20% 的福利削减。</p>
</div><p>They've also been caring for both aging loved ones and young or adult children who leave the nest later than the generations before them. Gen X-ers will be retiring around the same time Social Security's trust funds are expected to run out of money, at which point beneficiaries would see a roughly 20% cut to benefits if Congress does not act.</p>
<div class="lb-trans"><p>“X 世代正处于退休和整体财富积累的完美风暴中，” Transamerica Institute 及其 Transamerica 退休研究中心的首席执行官兼总裁凯瑟琳·科林森表示。</p>
</div><p>&#34;Gen X is living in the perfect storm for their retirement and overall wealth building,&#34; said Catherine Collinson, CEO and president of Transamerica Institute and its Transamerica Center for Retirement Studies.</p>
<div class="lb-trans"><p>与此同时，千禧一代和 Z 世代可能拥有更光明的未来。年轻一代越年轻，他们越有可能更早开始为退休做准备。婴儿潮一代开始储蓄退休金的中位年龄为 35 岁，而 X 世代为 30 岁，千禧一代为 25 岁，Z 世代为 20 岁，科林森表示。“这为他们的储蓄复利和增长提供了更长的时间。”</p>
</div><p>Millennials and Gen Z-ers, meanwhile, might have brighter futures. The younger the generation, the more likely they are to start preparing for retirement sooner. The median age when baby boomers started saving for retirement was 35, compared with 30 for Gen X, 25 for millennials and 20 for Gen Z, Collinson said. &#34;It offers them a greater time horizon for their savings to compound and grow,&#34; she noted.</p>
<div class="lb-trans"><p>尽管如此，未来仍然不确定，皮尤的弗莱表示。年轻一代的教育水平高于年长的同辈，但市场波动、房价、工资增长和社会其他经济因素在未来几十年将如何演变仍然是个未知数。尽管他们的整体教育水平应该对他们有利，弗莱表示，“很难对资产和收入做出预测。”</p>
</div><p>Still, the future is uncertain, Pew's Fry said. Younger generations have attained higher levels of education than their older counterparts, but it's a guess as to how market volatility, home prices, wage growth and other economic aspects of society could evolve over the next few decades. While their overall better education should work in their favor, Fry said, &#34;it's hard to make predictions about assets and incomes.&#34;</p>
<div class="lb-trans"><p>-阿莱桑德拉·马利托</p>
</div><p>-Alessandra Malito</p>
<div class="lb-trans"><p>本内容由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>（完）道琼斯新闻通讯</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>02-28-26 1354ET</p>
</div><p>02-28-26 1354ET</p>

婴儿潮一代如何成为最富有的一代——以及为什么 X 世代、Z 世代和千禧一代可能永远无法追赶上