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Key Points It's a good idea to do some portfolio rebalancing ahead of retirement. Make sure you're not too heavily invested in volatile assets. Line up steady portfolio income and reserve some cash as a backup plan. The $23,760 Social Security bonus most retirees completely overlook › If you're planning to retire in 2026, you've probably begun what should be a very joyous countdown. But it's important to do the right amount of last-minute planning before your career comes to an end. One importa ...

退休储蓄充足性分析 - 基于中位收入和10倍法则，多数人需要约74万美元来保障退休生活，理论上75万美元的罗斯IRA和每月1800美元的社保福利对许多人是足够的[1] - 退休是否足够取决于个人视角和对退休的期望，最终取决于资金管理方式[2] 退休收入规划策略 - 持续投资是退休中最常被忽视的问题之一，若将投资组合以现金持有并按每年4%标准提取，每年可得3万美元，即每月2500美元，加上社保每月1800美元，可能仅够基本生活[3] - 仅靠储蓄退休的观念是无效的，应将资金投资于创收资产如房地产，以建立第二收入来源，从而获得用于浪漫、旅行和乐趣的资金[3] 风险管理方法 - 投资创收资产可能伴随额外风险，投资组合收益越高，可能面临的风险和波动性也越大[5] - 推荐采用“分桶”方法来管理风险，即确定每月基本所需收入，并配置部分资金于年金或债券等安全资产，以可靠覆盖生活成本，例如将部分罗斯IRA投入终身年金，每月支付1200美元，与社保结合形成无限期的最低收入[5][6]