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Worry-Free Retirement Investing

2022/10/26

Money For the Rest of Us

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David Stein

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我建议采用无忧退休投资策略，利用多种工具降低风险，确保退休生活稳定。首先，现在是15年来购买美国财政部通货膨胀保值证券(TIPS)的最佳时机，其收益率已升至1.7%至2%。我们可以利用TIPS构建债券阶梯，以应对未来的支出，这是一种负债驱动型投资策略，其核心在于匹配资产和负债，确保每年都有足够的现金流来满足支出需求。其次，除了TIPS，我们还可以考虑使用CD和年金。CD的收益率目前也较高，但缺乏通货膨胀保护。而递延固定年金和固定指数年金则可以提供固定的收益，降低风险。固定指数年金根据指数表现计息，通常具有本金保护和收益上限，但其收益不包含股息。评估固定指数年金时，需要考虑其标的指数、收益上限、费用和保险公司的评级等因素。最后，在退休规划中，应优先考虑安全，可以使用年金或债券阶梯来保障大部分支出，然后才能更积极地投资股票。通过这种方式，我们可以降低投资风险，确保退休生活无忧。

Deep Dive

Shownotes Transcript

How to use laddered inflation)-indexed bonds) (i.e., TIPS), CDs, fixed annuities, and fixed index annuities to meet retirement living expenses while worrying less about running out of money.

Topics covered include:

How individuals can use liability-driven investment) strategies
Why now is the best opportunity to buy Treasury Inflation Protection Securities) in 15 years
How to use bond ladders
How deferred fixed and deferred variable annuities work
How to analyze fixed index annuities

For more information on this episode click here).

Show Notes

Worry-Free Investing by Zvi Bodie and Michael J. Clowes)

Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed—FRED)

Market Yield on U.S. Treasury Securities at 5-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed—FRED)

New 5-year TIPS auctions with a real yield of 1.732%, highest in 15 years—TIPSwatch)

Complete List of Multi-Year Guaranteed Annuities (MYGAs), October 26, 2022—ImmediateAnnuities.com)

Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade Pfau)

A Complete Guide to Investing in TIPS and I Bonds—Money for the Rest of Us)

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