<h2>关键点</h2>
<ul>
<li>经济衰退是经济周期的正常组成部分，无法避免。</li>
<li>投资者可以通过关注消费品和医疗保健等抗风险行业来为经济衰退做好准备。</li>
<li>目前值得考虑的四只可靠的分红股票是可口可乐、宝洁、强生和美敦力。</li>
<li>大多数退休人员完全忽视的 $23,760 社会保障奖金 ›</li>
</ul>
<p>未来不久将会出现另一场经济衰退，这一点你可以确定。何时到来则更难以判断。考虑到消费者在高油价到来之前已经开始收紧预算，因此有理由担心这个夏天可能会在经济上变得艰难。现在是准备的时候。</p>
<p>如果你不想跑去现金，保持投资的最佳方式是在经济衰退的恐惧中关注消费品和医疗保健等抗风险行业。目前一些不错的股票选择是 <strong>可口可乐</strong>(NYSE: KO)、<strong>宝洁</strong>(NYSE: PG)、<strong>强生</strong>(NYSE: JNJ) 和 <strong>美敦力</strong>(NYSE: MDT)。以下是每只股票的简要介绍。</p>
<p><em><strong>人工智能会创造出世界上第一个万亿富翁吗？</strong> 我们的团队刚刚发布了一份关于一家鲜为人知的公司报告，该公司被称为 “不可或缺的垄断”，提供英伟达和英特尔都需要的关键技术。<strong>继续 »</strong></em></p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-dXJsPWh0dHBzOi8vZy5mb29sY2RuLmNvbS9lZGl0b3JpYWwvaW1hZ2VzLzg3MDU2MS8yM18xMV8wOC1hLWxpbmUtb2YtMTAwLWRvbGxhci1iaWxscy1wbGFudGVkLWluLXRoZS1ncm91bmQtX21mLWRsb2FkZ2V0dHktZGl2aWRlbmQtc3RvY2tzLWdyb3dpbmctbW9uZXktaW5jb21lLWNhc2guanBnJnc9NzAw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-dXJsPWh0dHBzOi8vZy5mb29sY2RuLmNvbS9lZGl0b3JpYWwvaW1hZ2VzLzg3MDU2MS8yM18xMV8wOC1hLWxpbmUtb2YtMTAwLWRvbGxhci1iaWxscy1wbGFudGVkLWluLXRoZS1ncm91bmQtX21mLWRsb2FkZ2V0dHktZGl2aWRlbmQtc3RvY2tzLWdyb3dpbmctbW9uZXktaW5jb21lLWNhc2guanBnJnc9NzAw"/></p>
<p>图片来源：Getty Images。</p>
<h2>你会继续购买卫生纸和食品</h2>
<p>消费品企业往往具有抗风险能力，因为它们销售低成本的日常必需品。想想卫生纸、除臭剂、肥皂、饮料和食品。在经济衰退中，你不会停止购买这些商品，其他人也不会。</p>
<p>可口可乐和宝洁的抗风险能力得到了充分体现，它们都是分红之王。你不可能意外地连续 50 多年增加分红；这需要一个良好的商业模式，并在经济好坏时都能有效执行。而现在，它们的分红收益率分别为 2.6% 和 2.9%，远高于市场水平。</p>
<p>它们也是全球最大的消费品企业之一。每家公司在品牌实力、分销能力、市场营销技能和创新方面都能与任何同行抗衡。目前，饮料巨头可口可乐的市盈率略低于其五年平均水平，表明其定价合理。消费品制造商宝洁的市盈率则更低，股票看起来可能有些便宜。</p>
<h2>医疗保健不是可选项</h2>
<p>医疗保健股票同样对经济波动具有抗风险能力，因为延迟必要的医疗护理可能导致非常不理想的结果。如果你在经济衰退期间经历心脏病发作，你很可能会立即接受医生推荐的支架植入。而且你会乐意购买和服用医生开处方的药物，比如他汀类药物。</p>
<p>医疗保健行业的两个不错选择是强生和美敦力。强生是分红之王，而美敦力的分红记录 “仅” 达到 48 年。它们的分红收益率分别为 2.3% 和 3.6%。</p>
<p>强生今天的价格有点贵，市盈率高于其五年平均水平。尽管如此，它在制药和医疗设备两个领域提供了良好的多样化。对于更保守的收入投资者来说，如果你担心经济衰退，可能值得为质量和多样化支付更高的价格。</p>
<p>美敦力专注于医疗设备。它的市盈率远低于其五年平均水平。虽然这只股票可能提供良好的价值，但更适合风险承受能力稍高的投资者。该公司随着时间的推移变得臃肿和迟缓，正在努力精简并提高其创新和增长率。</p>
<p>这一过程仍在进行中，但开始显示出进展。例如，在 2026 财年第三季度，它的收入增长率达到了 10 个季度以来的最高水平。还有更多工作要做，但考虑到吸引人的收益率，你在等待期间得到了很好的补偿。</p>
<h2>不要在没有准备的情况下去度假</h2>
<p>虽然你不应该卖掉所有资产去购买可口可乐、宝洁、强生和美敦力，但你可能想考虑将一些这些抗风险企业加入你的投资组合。这样，如果发生经济衰退，你就知道你的组合中有能够相对顺利度过经济低迷的公司。</p>
<h2>大多数退休人员完全忽视的 $23,760 社会保障奖金</h2>
<p>如果你像大多数美国人一样，你的退休储蓄可能落后了几年（或更多）。但一些鲜为人知的 <strong>“社会保障秘密”</strong> 可能有助于确保你的退休收入增加。</p>
<p><strong>一个简单的技巧每年可能为你带来多达 $23,760 的额外收入！</strong> 一旦你学会如何最大化你的社会保障福利，我们认为你可以自信地退休，获得我们都渴望的安心。加入 <em>Stock Advisor</em> 以了解更多关于这些策略的信息。</p>
<p><strong>查看 “社会保障秘密” »</strong></p>
<p><em>Reuben Gregg Brewer 在美敦力和宝洁持有股份。Motley Fool 在美敦力中持有股份并推荐美敦力。Motley Fool 推荐强生。Motley Fool 有披露政策。</em></p>
<p>此处表达的观点和意见是作者的观点和意见，并不一定反映纳斯达克公司的观点。</p>

美敦力

可口可乐Femsa装瓶

可口可乐欧洲合伙

<p>在对近期经济衰退的担忧中，投资者被建议通过关注如日常消费品和医疗保健等抗压行业来增强退休收入。文章强调了四只可靠的分红股票：可口可乐、宝洁、强生和美敦力。这些公司因其必需的产品和服务，在经济低迷时期提供强劲的分红收益和稳定性</p>

<h2>Key Points</h2>
<div class="lb-trans"><h2>关键点</h2>
</div><ul>
<li>Recessions are a normal part of the economic cycle and can't be avoided.</li>
<li>Investors can prepare for recessions by focusing on resilient sectors like consumer staples and healthcare.</li>
<li>Four reliable dividend stocks to consider right now are Coca-Cola, Procter &amp; Gamble, Johnson &amp; Johnson, and Medtronic.</li>
<li>The $23,760 Social Security bonus most retirees completely overlook ›</li>
</ul>
<div class="lb-trans"><ul>
<li>经济衰退是经济周期的正常组成部分，无法避免。</li>
<li>投资者可以通过关注消费品和医疗保健等抗风险行业来为经济衰退做好准备。</li>
<li>目前值得考虑的四只可靠的分红股票是可口可乐、宝洁、强生和美敦力。</li>
<li>大多数退休人员完全忽视的 $23,760 社会保障奖金 ›</li>
</ul>
</div><p>There will be another recession in the near future, of that you can be certain. When it comes along is harder to determine. Given that consumers were already tightening their budgets before high oil prices arrived, there's a legitimate reason to fear this summer could be tough economically. The time to prepare is now.</p>
<div class="lb-trans"><p>未来不久将会出现另一场经济衰退，这一点你可以确定。何时到来则更难以判断。考虑到消费者在高油价到来之前已经开始收紧预算，因此有理由担心这个夏天可能会在经济上变得艰难。现在是准备的时候。</p>
</div><p>If you don't want to run to cash, the best way to stay invested amid recessionary fears is to focus on resilient sectors like consumer staples and healthcare. Some solid stock options right now are <strong>Coca-Cola</strong>(NYSE: KO), <strong>Procter &amp; Gamble</strong>(NYSE: PG), <strong>Johnson &amp; Johnson</strong>(NYSE: JNJ), and <strong>Medtronic</strong>(NYSE: MDT). Here's a quick look at each one.</p>
<div class="lb-trans"><p>如果你不想跑去现金，保持投资的最佳方式是在经济衰退的恐惧中关注消费品和医疗保健等抗风险行业。目前一些不错的股票选择是 <strong>可口可乐</strong>(NYSE: KO)、<strong>宝洁</strong>(NYSE: PG)、<strong>强生</strong>(NYSE: JNJ) 和 <strong>美敦力</strong>(NYSE: MDT)。以下是每只股票的简要介绍。</p>
</div><p><em><strong>Will AI create the world's first trillionaire?</strong> Our team just released a report on the one little-known company, called an &#34;Indispensable Monopoly&#34; providing the critical technology Nvidia and Intel both need. <strong>Continue »</strong></em></p>
<div class="lb-trans"><p><em><strong>人工智能会创造出世界上第一个万亿富翁吗？</strong> 我们的团队刚刚发布了一份关于一家鲜为人知的公司报告，该公司被称为 “不可或缺的垄断”，提供英伟达和英特尔都需要的关键技术。<strong>继续 »</strong></em></p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-dXJsPWh0dHBzOi8vZy5mb29sY2RuLmNvbS9lZGl0b3JpYWwvaW1hZ2VzLzg3MDU2MS8yM18xMV8wOC1hLWxpbmUtb2YtMTAwLWRvbGxhci1iaWxscy1wbGFudGVkLWluLXRoZS1ncm91bmQtX21mLWRsb2FkZ2V0dHktZGl2aWRlbmQtc3RvY2tzLWdyb3dpbmctbW9uZXktaW5jb21lLWNhc2guanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F870561%2F23_11_08-a-line-of-100-dollar-bills-planted-in-the-ground-_mf-dloadgetty-dividend-stocks-growing-money-income-cash.jpg&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>You will continue to buy toilet paper and food</h2>
<div class="lb-trans"><h2>你会继续购买卫生纸和食品</h2>
</div><p>Consumer staples businesses tend to be resilient because they sell low-cost, everyday necessities. Think toilet paper, deodorant, soap, beverages, and food. You aren't going to stop buying any of those items in a recession, and neither is anyone else.</p>
<div class="lb-trans"><p>消费品企业往往具有抗风险能力，因为它们销售低成本的日常必需品。想想卫生纸、除臭剂、肥皂、饮料和食品。在经济衰退中，你不会停止购买这些商品，其他人也不会。</p>
</div><p>The resilience of well-run consumer staples companies is highlighted by Coca-Cola and Procter &amp; Gamble, which are both Dividend Kings. You can't increase dividends for 50+ years by accident; it requires a good business model that's executed well in both good times and bad. And right now, they both offer well above-market yields of 2.6% and 2.9%, respectively.</p>
<div class="lb-trans"><p>可口可乐和宝洁的抗风险能力得到了充分体现，它们都是分红之王。你不可能意外地连续 50 多年增加分红；这需要一个良好的商业模式，并在经济好坏时都能有效执行。而现在，它们的分红收益率分别为 2.6% 和 2.9%，远高于市场水平。</p>
</div><p>They are also two of the world's largest consumer staples businesses. Each can stand toe-to-toe with any peer on brand strength, distribution capabilities, marketing skills, and innovation. Right now, beverage giant Coca-Cola's price-to-earnings ratio is a touch below its five-year average, suggesting it is reasonably priced. Consumer products maker P&amp;G's P/E is even further below its five-year average, with the stock perhaps looking a bit on the cheap side.</p>
<div class="lb-trans"><p>它们也是全球最大的消费品企业之一。每家公司在品牌实力、分销能力、市场营销技能和创新方面都能与任何同行抗衡。目前，饮料巨头可口可乐的市盈率略低于其五年平均水平，表明其定价合理。消费品制造商宝洁的市盈率则更低，股票看起来可能有些便宜。</p>
</div><h2>Medical care isn't optional</h2>
<div class="lb-trans"><h2>医疗保健不是可选项</h2>
</div><p>Healthcare stocks are equally resilient to economic swings because delaying necessary medical care can lead to highly undesirable outcomes. If you survive a heart attack during a recession, you are likely to get the stent your doctor recommends put in right away. And you'll happily buy and take the pills being prescribed, such as statins, as well.</p>
<div class="lb-trans"><p>医疗保健股票同样对经济波动具有抗风险能力，因为延迟必要的医疗护理可能导致非常不理想的结果。如果你在经济衰退期间经历心脏病发作，你很可能会立即接受医生推荐的支架植入。而且你会乐意购买和服用医生开处方的药物，比如他汀类药物。</p>
</div><p>Two solid options in the healthcare sector are Johnson &amp; Johnson and Medtronic. J&amp;J is a Dividend King, while Medtronic's dividend streak is &#34;only&#34; up to 48 years. They offer dividend yields of 2.3% and 3.6%, respectively.</p>
<div class="lb-trans"><p>医疗保健行业的两个不错选择是强生和美敦力。强生是分红之王，而美敦力的分红记录 “仅” 达到 48 年。它们的分红收益率分别为 2.3% 和 3.6%。</p>
</div><p>Johnson &amp; Johnson is a bit expensive today, with a P/E above its five-year average. That said, it offers an attractive level of diversification, operating in both the pharmaceutical and medical devices segments of the overall healthcare sector. For more conservative income investors, it is probably worth paying up for quality and diversification if you are worried about a recession.</p>
<div class="lb-trans"><p>强生今天的价格有点贵，市盈率高于其五年平均水平。尽管如此，它在制药和医疗设备两个领域提供了良好的多样化。对于更保守的收入投资者来说，如果你担心经济衰退，可能值得为质量和多样化支付更高的价格。</p>
</div><p>Medtronic is focused entirely on medical devices. Its P/E ratio is well below its five-year average. While the stock could offer good value, it is best suited for investors with a slightly higher risk tolerance. The company had become bloated and lethargic over time and has been working to slim down and increase its innovation and growth rate.</p>
<div class="lb-trans"><p>美敦力专注于医疗设备。它的市盈率远低于其五年平均水平。虽然这只股票可能提供良好的价值，但更适合风险承受能力稍高的投资者。该公司随着时间的推移变得臃肿和迟缓，正在努力精简并提高其创新和增长率。</p>
</div><p>That process is still ongoing, but starting to show progress. For example, in the fiscal third quarter of 2026, it posted its highest revenue growth rate in 10 quarters. There's more work to be done, but given the attractive yield, you are being well compensated for waiting.</p>
<div class="lb-trans"><p>这一过程仍在进行中，但开始显示出进展。例如，在 2026 财年第三季度，它的收入增长率达到了 10 个季度以来的最高水平。还有更多工作要做，但考虑到吸引人的收益率，你在等待期间得到了很好的补偿。</p>
</div><h2>Don't go on your summer vacation unprepared</h2>
<div class="lb-trans"><h2>不要在没有准备的情况下去度假</h2>
</div><p>While you shouldn't sell everything you own and buy Coca-Cola, P&amp;G, J&amp;J, and Medtronic, you might want to consider adding some of these resilient businesses to your portfolio. That way, if there is a recession, you know that you have companies in the mix that can survive through an economic downturn in relative stride.</p>
<div class="lb-trans"><p>虽然你不应该卖掉所有资产去购买可口可乐、宝洁、强生和美敦力，但你可能想考虑将一些这些抗风险企业加入你的投资组合。这样，如果发生经济衰退，你就知道你的组合中有能够相对顺利度过经济低迷的公司。</p>
</div><h2>The $23,760 Social Security bonus most retirees completely overlook</h2>
<div class="lb-trans"><h2>大多数退休人员完全忽视的 $23,760 社会保障奖金</h2>
</div><p>If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known <strong>&#34;Social Security secrets&#34;</strong> could help ensure a boost in your retirement income.</p>
<div class="lb-trans"><p>如果你像大多数美国人一样，你的退休储蓄可能落后了几年（或更多）。但一些鲜为人知的 <strong>“社会保障秘密”</strong> 可能有助于确保你的退休收入增加。</p>
</div><p><strong>One easy trick could pay you as much as $23,760 more</strong>... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Join <em>Stock Advisor</em> to learn more about these strategies.</p>
<div class="lb-trans"><p><strong>一个简单的技巧每年可能为你带来多达 $23,760 的额外收入！</strong> 一旦你学会如何最大化你的社会保障福利，我们认为你可以自信地退休，获得我们都渴望的安心。加入 <em>Stock Advisor</em> 以了解更多关于这些策略的信息。</p>
</div><p><strong>View the &#34;Social Security secrets&#34; »</strong></p>
<div class="lb-trans"><p><strong>查看 “社会保障秘密” »</strong></p>
</div><p><em>Reuben Gregg Brewer has positions in Medtronic and Procter &amp; Gamble. The Motley Fool has positions in and recommends Medtronic. The Motley Fool recommends Johnson &amp; Johnson. The Motley Fool has a disclosure policy.</em></p>
<div class="lb-trans"><p><em>Reuben Gregg Brewer 在美敦力和宝洁持有股份。Motley Fool 在美敦力中持有股份并推荐美敦力。Motley Fool 推荐强生。Motley Fool 有披露政策。</em></p>
</div><p>The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.</p>
<div class="lb-trans"><p>此处表达的观点和意见是作者的观点和意见，并不一定反映纳斯达克公司的观点。</p>
</div>

How to Recession-Proof Your Retirement Income Before Summer 2026

- 经济衰退是正常现象，投资者应关注消费品和医疗保健领域。  
- 可考虑的高股息股票包括可口可乐、宝洁、强生和美敦力。  
- 准备应对经济下行，确保投资组合中有抗风险企业。

如何在 2026 年夏季之前为您的退休收入做好经济衰退的防护