---
title: "你是愿意现在赚取 55,000 美元，还是选择在 20 年后赚取 110,000 美元？"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/293125861.md"
description: "文章认为，优先考虑高当前股息收益率而非股息增长是退休财富的杀手，原因在于通货膨胀。它说明了起始收益率较低但年均稳定增长（例如来自强生和宝洁等公司的 5-6%）的投资组合，在 20 年内可以显著超越收益率平稳的高收益投资组合，更好地保持购买力，而不是单纯关注即时收入"
datetime: "2026-07-19T13:25:49.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/293125861.md)
  - [en](https://longbridge.com/en/news/293125861.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/293125861.md)
generator: "portal-rs"
---

# 你是愿意现在赚取 55,000 美元，还是选择在 20 年后赚取 110,000 美元？

Quick ReadDividend income growing at 5 to 6% annually turns $55,000 into roughly $146,000 in 20 years, overtaking a flat 10% yield portfolio around year 14.Generating $55,000 in annual income requires $1,571,000 at a 3.5% yield, $917,000 at 6%, or $550,000 at 10%, with only the lowest tier reliably beating inflation.Investors within five years of n...

### 相关股票

- [JNJ.US](https://longbridge.com/zh-CN/quote/JNJ.US.md)
- [PG.US](https://longbridge.com/zh-CN/quote/PG.US.md)

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> **免责声明: 本文仅供参考，不构成任何投资建议。**