<h2>關鍵點</h2>
<ul>
<li>經濟衰退是經濟週期的正常組成部分，無法避免。</li>
<li>投資者可以通過關注消費品和醫療保健等抗風險行業來為經濟衰退做好準備。</li>
<li>目前值得考慮的四隻可靠的分紅股票是可口可樂、寶潔、強生和美敦力。</li>
<li>大多數退休人員完全忽視的 $23,760 社會保障獎金 ›</li>
</ul>
<p>未來不久將會出現另一場經濟衰退，這一點你可以確定。何時到來則更難以判斷。考慮到消費者在高油價到來之前已經開始收緊預算，因此有理由擔心這個夏天可能會在經濟上變得艱難。現在是準備的時候。</p>
<p>如果你不想跑去現金，保持投資的最佳方式是在經濟衰退的恐懼中關注消費品和醫療保健等抗風險行業。目前一些不錯的股票選擇是 <strong>可口可樂</strong>(NYSE: KO)、<strong>寶潔</strong>(NYSE: PG)、<strong>強生</strong>(NYSE: JNJ) 和 <strong>美敦力</strong>(NYSE: MDT)。以下是每隻股票的簡要介紹。</p>
<p><em><strong>人工智能會創造出世界上第一個萬億富翁嗎？</strong> 我們的團隊剛剛發佈了一份關於一家鮮為人知的公司報告，該公司被稱為 “不可或缺的壟斷”，提供英偉達和英特爾都需要的關鍵技術。<strong>繼續 »</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>圖片來源：Getty Images。</p>
<h2>你會繼續購買衞生紙和食品</h2>
<p>消費品企業往往具有抗風險能力，因為它們銷售低成本的日常必需品。想想衞生紙、除臭劑、肥皂、飲料和食品。在經濟衰退中，你不會停止購買這些商品，其他人也不會。</p>
<p>可口可樂和寶潔的抗風險能力得到了充分體現，它們都是分紅之王。你不可能意外地連續 50 多年增加分紅；這需要一個良好的商業模式，並在經濟好壞時都能有效執行。而現在，它們的分紅收益率分別為 2.6% 和 2.9%，遠高於市場水平。</p>
<p>它們也是全球最大的消費品企業之一。每家公司在品牌實力、分銷能力、市場營銷技能和創新方面都能與任何同行抗衡。目前，飲料巨頭可口可樂的市盈率略低於其五年平均水平，表明其定價合理。消費品製造商寶潔的市盈率則更低，股票看起來可能有些便宜。</p>
<h2>醫療保健不是可選項</h2>
<p>醫療保健股票同樣對經濟波動具有抗風險能力，因為延遲必要的醫療護理可能導致非常不理想的結果。如果你在經濟衰退期間經歷心臟病發作，你很可能會立即接受醫生推薦的支架植入。而且你會樂意購買和服用醫生開處方的藥物，比如他汀類藥物。</p>
<p>醫療保健行業的兩個不錯選擇是強生和美敦力。強生是分紅之王，而美敦力的分紅記錄 “僅” 達到 48 年。它們的分紅收益率分別為 2.3% 和 3.6%。</p>
<p>強生今天的價格有點貴，市盈率高於其五年平均水平。儘管如此，它在製藥和醫療設備兩個領域提供了良好的多樣化。對於更保守的收入投資者來説，如果你擔心經濟衰退，可能值得為質量和多樣化支付更高的價格。</p>
<p>美敦力專注於醫療設備。它的市盈率遠低於其五年平均水平。雖然這隻股票可能提供良好的價值，但更適合風險承受能力稍高的投資者。該公司隨着時間的推移變得臃腫和遲緩，正在努力精簡併提高其創新和增長率。</p>
<p>這一過程仍在進行中，但開始顯示出進展。例如，在 2026 財年第三季度，它的收入增長率達到了 10 個季度以來的最高水平。還有更多工作要做，但考慮到吸引人的收益率，你在等待期間得到了很好的補償。</p>
<h2>不要在沒有準備的情況下去度假</h2>
<p>雖然你不應該賣掉所有資產去購買可口可樂、寶潔、強生和美敦力，但你可能想考慮將一些這些抗風險企業加入你的投資組合。這樣，如果發生經濟衰退，你就知道你的組合中有能夠相對順利度過經濟低迷的公司。</p>
<h2>大多數退休人員完全忽視的 $23,760 社會保障獎金</h2>
<p>如果你像大多數美國人一樣，你的退休儲蓄可能落後了幾年（或更多）。但一些鮮為人知的 <strong>“社會保障秘密”</strong> 可能有助於確保你的退休收入增加。</p>
<p><strong>一個簡單的技巧每年可能為你帶來多達 $23,760 的額外收入！</strong> 一旦你學會如何最大化你的社會保障福利，我們認為你可以自信地退休，獲得我們都渴望的安心。加入 <em>Stock Advisor</em> 以瞭解更多關於這些策略的信息。</p>
<p><strong>查看 “社會保障秘密” »</strong></p>
<p><em>Reuben Gregg Brewer 在美敦力和寶潔持有股份。Motley Fool 在美敦力中持有股份並推薦美敦力。Motley Fool 推薦強生。Motley Fool 有披露政策。</em></p>
<p>此處表達的觀點和意見是作者的觀點和意見，並不一定反映納斯達克公司的觀點。</p>

美敦力

可口可樂Femsa裝瓶

可口可樂歐洲合夥

<p>在對近期經濟衰退的擔憂中，投資者被建議通過關注如日常消費品和醫療保健等抗壓行業來增強退休收入。文章強調了四隻可靠的分紅股票：可口可樂、寶潔、強生和美敦力。這些公司因其必需的產品和服務，在經濟低迷時期提供強勁的分紅收益和穩定性</p>

<h2>Key Points</h2>
<div class="lb-trans"><h2>關鍵點</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>經濟衰退是經濟週期的正常組成部分，無法避免。</li>
<li>投資者可以通過關注消費品和醫療保健等抗風險行業來為經濟衰退做好準備。</li>
<li>目前值得考慮的四隻可靠的分紅股票是可口可樂、寶潔、強生和美敦力。</li>
<li>大多數退休人員完全忽視的 $23,760 社會保障獎金 ›</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>未來不久將會出現另一場經濟衰退，這一點你可以確定。何時到來則更難以判斷。考慮到消費者在高油價到來之前已經開始收緊預算，因此有理由擔心這個夏天可能會在經濟上變得艱難。現在是準備的時候。</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>如果你不想跑去現金，保持投資的最佳方式是在經濟衰退的恐懼中關注消費品和醫療保健等抗風險行業。目前一些不錯的股票選擇是 <strong>可口可樂</strong>(NYSE: KO)、<strong>寶潔</strong>(NYSE: PG)、<strong>強生</strong>(NYSE: JNJ) 和 <strong>美敦力</strong>(NYSE: MDT)。以下是每隻股票的簡要介紹。</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>人工智能會創造出世界上第一個萬億富翁嗎？</strong> 我們的團隊剛剛發佈了一份關於一家鮮為人知的公司報告，該公司被稱為 “不可或缺的壟斷”，提供英偉達和英特爾都需要的關鍵技術。<strong>繼續 »</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>圖片來源：Getty Images。</p>
</div><h2>You will continue to buy toilet paper and food</h2>
<div class="lb-trans"><h2>你會繼續購買衞生紙和食品</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>消費品企業往往具有抗風險能力，因為它們銷售低成本的日常必需品。想想衞生紙、除臭劑、肥皂、飲料和食品。在經濟衰退中，你不會停止購買這些商品，其他人也不會。</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>可口可樂和寶潔的抗風險能力得到了充分體現，它們都是分紅之王。你不可能意外地連續 50 多年增加分紅；這需要一個良好的商業模式，並在經濟好壞時都能有效執行。而現在，它們的分紅收益率分別為 2.6% 和 2.9%，遠高於市場水平。</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>它們也是全球最大的消費品企業之一。每家公司在品牌實力、分銷能力、市場營銷技能和創新方面都能與任何同行抗衡。目前，飲料巨頭可口可樂的市盈率略低於其五年平均水平，表明其定價合理。消費品製造商寶潔的市盈率則更低，股票看起來可能有些便宜。</p>
</div><h2>Medical care isn't optional</h2>
<div class="lb-trans"><h2>醫療保健不是可選項</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>醫療保健股票同樣對經濟波動具有抗風險能力，因為延遲必要的醫療護理可能導致非常不理想的結果。如果你在經濟衰退期間經歷心臟病發作，你很可能會立即接受醫生推薦的支架植入。而且你會樂意購買和服用醫生開處方的藥物，比如他汀類藥物。</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>醫療保健行業的兩個不錯選擇是強生和美敦力。強生是分紅之王，而美敦力的分紅記錄 “僅” 達到 48 年。它們的分紅收益率分別為 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>強生今天的價格有點貴，市盈率高於其五年平均水平。儘管如此，它在製藥和醫療設備兩個領域提供了良好的多樣化。對於更保守的收入投資者來説，如果你擔心經濟衰退，可能值得為質量和多樣化支付更高的價格。</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>美敦力專注於醫療設備。它的市盈率遠低於其五年平均水平。雖然這隻股票可能提供良好的價值，但更適合風險承受能力稍高的投資者。該公司隨着時間的推移變得臃腫和遲緩，正在努力精簡併提高其創新和增長率。</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>這一過程仍在進行中，但開始顯示出進展。例如，在 2026 財年第三季度，它的收入增長率達到了 10 個季度以來的最高水平。還有更多工作要做，但考慮到吸引人的收益率，你在等待期間得到了很好的補償。</p>
</div><h2>Don't go on your summer vacation unprepared</h2>
<div class="lb-trans"><h2>不要在沒有準備的情況下去度假</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>雖然你不應該賣掉所有資產去購買可口可樂、寶潔、強生和美敦力，但你可能想考慮將一些這些抗風險企業加入你的投資組合。這樣，如果發生經濟衰退，你就知道你的組合中有能夠相對順利度過經濟低迷的公司。</p>
</div><h2>The $23,760 Social Security bonus most retirees completely overlook</h2>
<div class="lb-trans"><h2>大多數退休人員完全忽視的 $23,760 社會保障獎金</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>如果你像大多數美國人一樣，你的退休儲蓄可能落後了幾年（或更多）。但一些鮮為人知的 <strong>“社會保障秘密”</strong> 可能有助於確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>一個簡單的技巧每年可能為你帶來多達 $23,760 的額外收入！</strong> 一旦你學會如何最大化你的社會保障福利，我們認為你可以自信地退休，獲得我們都渴望的安心。加入 <em>Stock Advisor</em> 以瞭解更多關於這些策略的信息。</p>
</div><p><strong>View the &#34;Social Security secrets&#34; »</strong></p>
<div class="lb-trans"><p><strong>查看 “社會保障秘密” »</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 在美敦力和寶潔持有股份。Motley Fool 在美敦力中持有股份並推薦美敦力。Motley Fool 推薦強生。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>此處表達的觀點和意見是作者的觀點和意見，並不一定反映納斯達克公司的觀點。</p>
</div>

How to Recession-Proof Your Retirement Income Before Summer 2026

- 經濟衰退是正常現象，投資者應關注消費品和醫療保健領域。  
- 可考慮的高股息股票包括可口可樂、寶潔、強生和美敦力。  
- 準備應對經濟下行，確保投資組合中有抗風險企業。

如何在 2026 年夏季之前為您的退休收入做好經濟衰退的防護