---
title: "债券收益率的上升迫使退休人员重新思考他们的收入组合"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/287720872.md"
description: "国债收益率上升至超过 5% 为退休人员提供了近二十年来未曾有过的无风险收入选择。高收益和备兑认购期权 ETF 提供超过 4% 的收益，但在增长和风险方面存在权衡。顾问建议在应对当前利率时，进行小规模的战术调整，而不是大幅度重组投资组合"
datetime: "2026-05-27T05:40:20.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/287720872.md)
  - [en](https://longbridge.com/en/news/287720872.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/287720872.md)
---

# 债券收益率的上升迫使退休人员重新思考他们的收入组合

Why yields matter: Treasury yields above 5% give retirees risk-free income options not seen in nearly two decades. ETF income appeal: High-yield and covered-call ETFs offer payouts above 4%, but come with trade-offs in growth and risk. Caution over overhaul: Advisers recommend small, tactical shifts rather than wholesale portfolio changes based on current rates.

### 相关股票

- [SPHY.US](https://longbridge.com/zh-CN/quote/SPHY.US.md)
- [USHY.US](https://longbridge.com/zh-CN/quote/USHY.US.md)
- [XYLD.US](https://longbridge.com/zh-CN/quote/XYLD.US.md)
- [GOVT.US](https://longbridge.com/zh-CN/quote/GOVT.US.md)
- [HYG.US](https://longbridge.com/zh-CN/quote/HYG.US.md)
- [AGG.US](https://longbridge.com/zh-CN/quote/AGG.US.md)
- [QYLD.US](https://longbridge.com/zh-CN/quote/QYLD.US.md)
- [JNK.US](https://longbridge.com/zh-CN/quote/JNK.US.md)
- [SGOV.US](https://longbridge.com/zh-CN/quote/SGOV.US.md)
- [SHY.US](https://longbridge.com/zh-CN/quote/SHY.US.md)
- [TLT.US](https://longbridge.com/zh-CN/quote/TLT.US.md)

## 相关资讯与研究

- [实时市场：美国高收益债券利差过窄，难以吸引买家](https://longbridge.com/zh-CN/news/285751101.md)