---
title: "債券收益率的上升迫使退休人員重新思考他們的收入組合"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/287720872.md"
description: "國債收益率上升至超過 5% 為退休人員提供了近二十年來未曾有過的無風險收入選擇。高收益和備兑認購期權 ETF 提供超過 4% 的收益，但在增長和風險方面存在權衡。顧問建議在應對當前利率時，進行小規模的戰術調整，而不是大幅度重組投資組合"
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)
---

# 債券收益率的上升迫使退休人員重新思考他們的收入組合

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.

### 相關股票

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

## 相關資訊與研究

- [實時市場：美國高收益債券利差過窄，難以吸引買家](https://longbridge.com/zh-HK/news/285751101.md)