<p>作者：阿萊桑德拉·馬利托</p>
<p>沒有哪一代人像嬰兒潮一代那樣獨特——而且可能再也不會有了</p>
<p>對於許多嬰兒潮一代的成員來説，個人財務隨着時間和資產增值而改善。</p>
<p>嬰兒潮一代似乎比其他世代更容易：他們受益於戰後經濟繁榮，能夠接受負擔得起的高等教育和工作場所養老金，並在房地產和股市中取得成功——而且沒有與後代分享財富。</p>
<p>新的研究發現，這種説法有一定的真實性。</p>
<p>嬰兒潮一代在同一生活階段的財務狀況比他們的前輩更為舒適，如果這種趨勢持續下去，他們的財務狀況將比至少一代人（即 X 世代）更好。</p>
<p>對於許多出生於 1946 年至 1964 年的嬰兒潮一代成員來説，他們的個人財務隨着時間和資產增值而改善。嬰兒潮一代中最年長的今年將滿 80 歲，他們在年輕時進入房地產市場，目睹了房價飆升。儘管經歷了市場波動和經濟衰退，他們的投資在幾十年中不斷增長。專家指出，他們的教育水平也高於年長的同輩，這有助於提高工資。而且，對於他們來説，高等教育的費用更低：自 1963 年以來，公立大學的平均學費上漲了超過 300%。</p>
<p>“有幾件事對嬰兒潮一代有利，” 皮尤研究中心社會與人口趨勢團隊的高級研究員理查德·弗萊表示。</p>
<p>閲讀：高房價迫使美國人推遲結婚、生子和其他里程碑</p>
<p>根據皮尤研究中心最近的一份報告，到 2022 年，該羣體在 58 至 76 歲時，嬰兒潮一代家庭的中位財富為 432,200 美元，而 2001 年靜默一代的中位財富為 335,900 美元，1983 年偉大一代的中位財富為 185,300 美元，報告已根據 2024 年的通貨膨脹進行了調整。</p>
<p>當然，一些嬰兒潮一代的財務狀況遠好於他們的同齡人；擁有學士學位的人比教育水平較低的人更富有。研究顯示，嬰兒潮一代家庭中前 10% 的人持有該代人財富的近四分之三，總額為 77 萬億美元。</p>
<p>儘管嬰兒潮一代的財務狀況在幾十年中蓬勃發展，但他們的孩子並不一定因此受益。X 世代可能正面臨最大的挑戰：這個所謂的 “懶惰一代” 出生於 1965 年至 1980 年，進入勞動力市場時，確定福利養老金開始解體，公司將為退休儲蓄的責任轉移給員工，401(k) 計劃應運而生。</p>
<p>他們還在照顧年邁的親人以及年輕或成年子女，這些子女比前幾代人更晚離開家。X 世代將在社會保障信託基金預計耗盡資金時退休，此時如果國會不採取行動，受益人將面臨大約 20% 的福利削減。</p>
<p>“X 世代正處於退休和整體財富積累的完美風暴中，” Transamerica Institute 及其 Transamerica 退休研究中心的首席執行官兼總裁凱瑟琳·科林森表示。</p>
<p>與此同時，千禧一代和 Z 世代可能擁有更光明的未來。年輕一代越年輕，他們越有可能更早開始為退休做準備。嬰兒潮一代開始儲蓄退休金的中位年齡為 35 歲，而 X 世代為 30 歲，千禧一代為 25 歲，Z 世代為 20 歲，科林森表示。“這為他們的儲蓄複利和增長提供了更長的時間。”</p>
<p>儘管如此，未來仍然不確定，皮尤的弗萊表示。年輕一代的教育水平高於年長的同輩，但市場波動、房價、工資增長和社會其他經濟因素在未來幾十年將如何演變仍然是個未知數。儘管他們的整體教育水平應該對他們有利，弗萊表示，“很難對資產和收入做出預測。”</p>
<p>-阿萊桑德拉·馬利托</p>
<p>本內容由 MarketWatch 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</p>
<p>（完）道瓊斯新聞通訊</p>
<p>02-28-26 1354ET</p>

<p>嬰兒潮一代已成為最富有的一代，受益於戰後經濟增長、可負擔的教育和房地產成功。到 2022 年，他們的中位財富達到了 432,200 美元，顯著高於前幾代人。相比之下，X 世代在退休儲蓄和經濟壓力方面面臨挑戰，而千禧一代和 Z 世代則開始更早地儲蓄。儘管年輕一代的教育水平更高，但由於市場波動和經濟因素，未來的財務穩定性仍然不確定</p>

<p>By Alessandra Malito</p>
<div class="lb-trans"><p>作者：阿萊桑德拉·馬利托</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>沒有哪一代人像嬰兒潮一代那樣獨特——而且可能再也不會有了</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>對於許多嬰兒潮一代的成員來説，個人財務隨着時間和資產增值而改善。</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>嬰兒潮一代似乎比其他世代更容易：他們受益於戰後經濟繁榮，能夠接受負擔得起的高等教育和工作場所養老金，並在房地產和股市中取得成功——而且沒有與後代分享財富。</p>
</div><p>New research has found there's some truth to that narrative.</p>
<div class="lb-trans"><p>新的研究發現，這種説法有一定的真實性。</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>嬰兒潮一代在同一生活階段的財務狀況比他們的前輩更為舒適，如果這種趨勢持續下去，他們的財務狀況將比至少一代人（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>對於許多出生於 1946 年至 1964 年的嬰兒潮一代成員來説，他們的個人財務隨着時間和資產增值而改善。嬰兒潮一代中最年長的今年將滿 80 歲，他們在年輕時進入房地產市場，目睹了房價飆升。儘管經歷了市場波動和經濟衰退，他們的投資在幾十年中不斷增長。專家指出，他們的教育水平也高於年長的同輩，這有助於提高工資。而且，對於他們來説，高等教育的費用更低：自 1963 年以來，公立大學的平均學費上漲了超過 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>“有幾件事對嬰兒潮一代有利，” 皮尤研究中心社會與人口趨勢團隊的高級研究員理查德·弗萊表示。</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>閲讀：高房價迫使美國人推遲結婚、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>根據皮尤研究中心最近的一份報告，到 2022 年，該羣體在 58 至 76 歲時，嬰兒潮一代家庭的中位財富為 432,200 美元，而 2001 年靜默一代的中位財富為 335,900 美元，1983 年偉大一代的中位財富為 185,300 美元，報告已根據 2024 年的通貨膨脹進行了調整。</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>當然，一些嬰兒潮一代的財務狀況遠好於他們的同齡人；擁有學士學位的人比教育水平較低的人更富有。研究顯示，嬰兒潮一代家庭中前 10% 的人持有該代人財富的近四分之三，總額為 77 萬億美元。</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>儘管嬰兒潮一代的財務狀況在幾十年中蓬勃發展，但他們的孩子並不一定因此受益。X 世代可能正面臨最大的挑戰：這個所謂的 “懶惰一代” 出生於 1965 年至 1980 年，進入勞動力市場時，確定福利養老金開始解體，公司將為退休儲蓄的責任轉移給員工，401(k) 計劃應運而生。</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>他們還在照顧年邁的親人以及年輕或成年子女，這些子女比前幾代人更晚離開家。X 世代將在社會保障信託基金預計耗盡資金時退休，此時如果國會不採取行動，受益人將面臨大約 20% 的福利削減。</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 世代正處於退休和整體財富積累的完美風暴中，” Transamerica Institute 及其 Transamerica 退休研究中心的首席執行官兼總裁凱瑟琳·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>與此同時，千禧一代和 Z 世代可能擁有更光明的未來。年輕一代越年輕，他們越有可能更早開始為退休做準備。嬰兒潮一代開始儲蓄退休金的中位年齡為 35 歲，而 X 世代為 30 歲，千禧一代為 25 歲，Z 世代為 20 歲，科林森表示。“這為他們的儲蓄複利和增長提供了更長的時間。”</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>儘管如此，未來仍然不確定，皮尤的弗萊表示。年輕一代的教育水平高於年長的同輩，但市場波動、房價、工資增長和社會其他經濟因素在未來幾十年將如何演變仍然是個未知數。儘管他們的整體教育水平應該對他們有利，弗萊表示，“很難對資產和收入做出預測。”</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>-阿萊桑德拉·馬利托</p>
</div><p>-Alessandra Malito</p>
<div class="lb-trans"><p>本內容由 MarketWatch 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞通訊和《華爾街日報》獨立出版。</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）道瓊斯新聞通訊</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>

嬰兒潮一代如何成為最富有的一代——以及為什麼 X 世代、Z 世代和千禧一代可能永遠無法追趕上