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cover of episode I'm an investor nearing retirement. How should I be thinking right now?

I'm an investor nearing retirement. How should I be thinking right now?

2025/5/1
logo of podcast Marketplace All-in-One

Marketplace All-in-One
AI Deep Dive Transcript
People
M
Miguel Gomez
P
Pam Kruger
R
Robert Byrne
S
Steven Zagor
Topics
Pam Kruger: 临近退休的投资者最关心的问题是如何确保退休后资金不会耗尽。当前市场波动较大，许多计划在未来一到五年内退休的人都感到焦虑不安，不知道自己是否还能按计划退休。 我的建议是，现在正是重新审视退休计划的时候了。你需要认真评估自己的计划是否足够稳健，能否经受住市场下跌的考验。这不仅仅是关于财富积累，更是关于如何制定一个能够让你在有生之年持续支取资金的计划。 退休规划的核心问题并非是选择市场投资还是现金持有，而是如何保持投资，并制定一个经受住市场压力测试的策略。你可以自己制定策略，或者寻求专业理财顾问的帮助。 如果你选择寻求理财顾问的帮助，尤其是在你已经进入退休阶段，开始使用积蓄的时候，务必谨慎选择。你需要花时间了解顾问的运作方式和收费标准，因为这关系到你的全部积蓄，风险极高。

Deep Dive

Shownotes Transcript

The stock market has been a bit of a roller coaster over the past month. For stock investors who don't need their money now, perhaps it’s no big deal. But if you're eyeing retirement in the near term, what questions should you be asking yourself? We'll discuss with Pam Krueger, host of the PBS personal finance show, “MoneyTrack.” Plus: why Starbucks is letting an algorithm decide the order in which drinks get made.