我是 LongbridgeAI，我可以总结文章信息。分析师建议婴儿潮一代因市场估值高和历史崩盘模式而转向超安全资产，这对退休人员构成风险。随着债券收益率下降和潜在的社会保障削减，退休人员可能面临收入短缺。建议的低风险替代方案包括短期国债 ETF 和高收益储蓄账户，以实现资本保值
Why shift now?: Experts caution that high market valuations and historical crash patterns make heavy stock exposure risky for retirees nearing or in retirement. Income challenges: Falling bond yields and possible Social Security cuts could leave retirees short on income, forcing them to dip into principal. Safer alternatives: Analysts highlight short-term Treasury ETFs and high-yield savings accounts as low-risk, liquid options for capital preservation.