05/18/2025, 12:30 PM UTC
如何退休后获得每月5000美元的潜在收入How To Retire With A Potential $5,000 Monthly Income
1. 标普500指数仅1.3%的收益率和波动性使其不适合寻求稳定收入的退休人群；2. 提出平衡型退休投资组合方案，目标为5-6%收益、与市场同步增长，并在不同周期中减少30%回撤；3. 策略通过持有型、轮动型和保守型组合的多元化配置，强调低风险与资本保全，适用于追求被动收入的投资者。1. The S&P 500's low yield (1.3%) and volatility make it unsuitable for retirees seeking stable income; 2. A balanced retirement portfolio is proposed to deliver 5-6% income, market-matching growth, and 30% lower drawdowns across market cycles; 3. The strategy emphasizes diversification, lower risk, and capital preservation through a mix of buy-and-hold, rotational, and conservative model portfolios.---
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