文章核心观点 - 多数美国人的退休时间早于预期 这导致他们可能过早、过快地从退休账户中提取资金 从而面临财务可持续性风险[1] - 尽管可以提前动用退休金 但专家建议应尽可能延迟提取以获得更好的长期财务结果 并强调退休规划需要灵活性以应对变化[6][7] 退休时间与提取行为 - 根据Transamerica的研究 58%的美国人退休时间早于预期 中位退休年龄为62岁[1] - 退休早于计划往往导致人们在50年代末或60岁出头时 过快地从退休账户中提取过多资金[1] 提前提取退休金的主要原因 - 提前从退休基金中提取资金的两个最常见原因是失业和医疗困难[4] - 职业生涯后期的失业导致许多人决定提前退休 一些人可能利用“55岁规则”从雇主计划中免罚金提取资金[5] - 医疗困难是过早动用退休资金的首要原因之一 符合免罚金提取条件并不意味着应该这样做[6] 关于退休金提取的专业建议 - 专家指出 仅仅能够动用退休资金并不意味着应该这样做 通常等待提取的时间越长 结果越好[6] - 对于医疗费用 当合格医疗费用超过调整后总收入的7.5%时 可以免除10%的提前提取罚金 但需注意此类提取不允许后续还款[7] - 退休规划虽然无法精确预测退休时间 但绝非徒劳 重要的是建立灵活性并适应不断变化的环境[7]

Lyft, Inc. (NASDAQ:LYFT) stands among the 11 best very cheap stocks to buy according to billionaires. Lyft (LYFT) Among Companies Questioned by U.S. House Oversight Committee Over Possible AI-Driven Surveillance Pricing paul-hanaoka-D-qq7W751vs-unsplash Lyft, Inc. (NASDAQ:LYFT) and other travel platforms are likely to face regulatory scrutiny over algorithmic pricing. On March 5, 2026, the CEOs of several travel agencies, including Lyft, were questioned by James Comer, chair of the U.S. House Oversight ...

MetLife, Inc. (NYSE:MET) secures a spot on our list of the 11 best very cheap stocks to buy according to billionaires. Investor sentiment surrounding MetLife, Inc. (NYSE:MET) has remained constructive. At the same time, analysts are keen to assess how the company's shareholder returns measure up against the life insurance sector's valuation headwinds. Roughly 62% of analysts remain bullish on MetLife, Inc. (NYSE:MET) as of March 10, 2026, with a consensus price target of $92.00 that suggests a 30.31% upside ...

The bank emphasized that FIS has reinvented itself as a pure-play supplier of banking software and infrastructure solutions following the completion of the 2019 Worldpay acquisition and the acquisition of TSYS's credit issuer processing business. According to Goldman, Fidelity National Information Services, Inc. (NYSE:FIS) forecasts recurring revenue growth in the mid-single-digit range. This indicates a more focused operational strategy centered on financial institution technology platforms. Fidelity Natio ...

The firm noted that, despite the sector's robust growth, BellRing Brands, Inc. (NYSE:BRBR) faces a challenging competitive environment, arguing that a lower value multiple is warranted given the escalating competition in a rapidly growing market. In parallel, a leadership change is being planned by the company. President and CEO Darcy Davenport declared last month that he would retire by September 30, 2026, or sooner if a replacement is finalized. While the board searches for an external CEO to steer BellRi ...

Delta Air Lines, Inc. (NYSE:DAL) continues to receive support from Wall Street, despite rising cost pressures that may affect airline profitability in the near term. Amid ongoing industry headwinds, TD Cowen revisited its view on Delta Air Lines, Inc. (NYSE:DAL). TD Cowen reduced its price target to $71 from $82 on March 9, 2026, but maintained a "Buy" rating in response to changes in industry earnings forecasts. After revising fuel cost projections, the firm lowered estimates for Air Canada and the six lar ...

Goldman Sachs reinstated coverage of Global Payments Inc. (NYSE:GPN) on March 9, 2026, with a "Neutral" rating and an $88 price target, emphasizing the company's size following its acquisition of Worldpay, which resulted in the creation of the largest merchant-acquiring business in the world. Global Payments Inc. (NYSE:GPN) serves companies and financial institutions worldwide by offering payment technology and software through its Merchant and Issuer Solutions sectors. The company is headquartered in Atlan ...

On the back of an improved FY2026 outlook, Hewlett Packard Enterprise Company (NYSE:HPE) raised its FY2026 revenue and EPS projections to $41.2 billion and $2.49 per share, respectively. Hewlett Packard Enterprise Company (NYSE:HPE) is an edge-to-cloud technology provider that helps companies operate data-intensive workloads in both on-premises and cloud settings by offering enterprise servers, networking solutions, hybrid cloud platforms, and IT finance services. Ken Wolter / Shutterstock.com Analyst senti ...

Amid rising fuel and rerouting costs and worsening Middle East airspace restrictions, airfares on some international routes have skyrocketed, with some fares rising several times in a single week. Prolonged fuel inflation, according to analysts, could put pressure on profits and reduce travel demand throughout 2026, potentially worsening the company's outlook for this year. Pixabay/Public Domain Amid ongoing geopolitical concerns, pressure on shares of American Airlines Group Inc. (NASDAQ:AAL) increased, hi ...

United Airlines Holdings, Inc. (NASDAQ:UAL) stands among the 11 best very cheap stocks to buy according to billionaires. Pixabay/Public Domain United Airlines Holdings (UAL) Long-Term Hub Economics Improves Following Washington Dulles International Airport Renovation Plans READ NEXT: 33 Stocks That Should Double in 3 Years and 15 Stocks That Will Make You Rich in 10 Years Disclosure: None. Follow Insider Monkey on Google News. Nevertheless, regulatory constraints could still hamper near-term capacity expans ...