Saving more is only half the battle. You'll also want to get more growth from the money you're able to put toward the effort.Most Americans are at least trying to save something for retirement. Two-thirds report having at least one retirement savings account like a 401(k) or Roth IRA, in fact.The amounts of money in most of these accounts, however, isn't exactly encouraging. The Motley Fool's own research indicates that, as of 2022, the median (or midpoint) retirement savings for U.S. households is a modest ...

退休投资策略 - Retirement Forum提供可操作的退休投资理念、高收益安全退休投资组合和宏观经济展望，旨在帮助投资者最大化资本和收入 [1] - 该平台通过全面市场搜索帮助投资者实现回报最大化 [1] Alphabet (GOOG/GOOGL) 投资分析 - Alphabet被选为唯一增持的FAANG公司，自宣布以来表现优异 [2] - 公司核心业务极其强劲，仍保持两位数增长 [2] - The Value Portfolio采用基于事实的研究策略构建退休投资组合，包括深入分析10K文件、分析师评论、市场报告和投资者演示 [2] - 该投资组合经理在实际投资中使用其推荐的股票 [2] 分析师持仓披露 - 分析师通过股票、期权或其他衍生品持有GOOGL的多头头寸 [3]

核心财务表现 - 公司2025年第二季度非GAAP调整后每股收益为911美元 超出分析师预期的900美元 但434亿美元的非GAAP收入略低于共识预期 [1] - GAAP净利润达106亿美元 同比增长279% 税前调整后运营利润率265% 同比下滑03个百分点 [2] - 管理资产规模达158万亿美元 同比增长86% 其中财富管理客户资产创108万亿美元纪录 同比增长11% [2][5] 业务板块表现 财富管理 - 顾问生产力提升11%至107万美元/顾问 但净客户流入降至43亿美元 同比下滑35% 包管账户净流入下降28%至54亿美元 [5] - 推出Signature Wealth统一管理账户平台 新增73名资深顾问 但调整后运营利润率降至289% [6][12] - 咨询与财富管理板块调整后运营净收入同比增长6% 主要受资产增长和顾问生产力推动 [6] 资产管理 - 哥伦比亚Threadneedle部门管理资产6900亿美元 同比增长2% 净流出87亿美元 较去年同期的111亿美元有所改善 [7] - 零售净流出31亿美元 机构净流出48亿美元 但税前调整后运营利润率提升至390% [7] - 超过半数股票基金资产三年回报率处于行业前茅 新推主动ETF和模型组合产品 [7] 退休与保险 - 调整后运营收益增长9%至214亿美元 调整后运营净收入增长1%至936亿美元 结构化变额年金销售持续增长 [8] 资本与战略 - 季度内通过股息和回购向股东返还731亿美元 占调整后收益的81% 债务资本比降至336% [9] - 持续投资合规与数字化升级 银行部门新增存单产品 即将推出房屋净值信贷额度 [10][13] - 未提供全年业绩指引 但预计财富管理行政费用将增长低至中个位数 调整后税率维持在20%-22% [14] 行业趋势与挑战 - 市场波动和税务相关赎回导致财富管理资金流入放缓 资产管理板块持续净流出反映行业压力 [5][7][15] - 顾问招聘保留保持强劲 成本增长主要来自生产力提升而非人力扩张 [10][11] - 公司强调资产负债表灵活性 保留择机并购可能性 [15]

Retirement is complicated and you only get once chance to do it right. Don't miss out because you didn't know what was out there.The Retirement Forum provides actionable ideals, a high-yield safe retirement portfolio, and macroeconomic outlooks, all to help you maximize your capital and your income. We search the entire market to help you maximize returns.JPMorgan Chase (NYSE: JPM ) is the largest publicly traded global finance company by value, worth more than $800 billion. The company has continued to gen ...

Save yourself thousands of dollars by creating a portfolio that pays you to hold it. No selling required to fund your retirement dreams. Tired of going it alone or visiting a financial advisor who just doesn't seem to care? Join our lively group! Our Income Method generates strong returns, making retirement investing less stressful and straightforward .If you’re a fan of Seinfeld, you may remember the scene where Mrs. Seinfeld scolds Mr. Seinfeld for opening a new pack of cookies when another box was alread ...

Retirement is complicated and you only get once chance to do it right. Don't miss out because you didn't know what was out there.The Retirement Forum provides actionable ideals, a high-yield safe retirement portfolio, and macroeconomic outlooks, all to help you maximize your capital and your income. We search the entire market to help you maximize returns.Equinor (NYSE: EQNR ) , the Norwegian oil company, is one of the largest in the world, producing more than 2 million barrels a day of oil equivalent. The ...

Two of my close family members are retiring within the next twelve months and I've been tasked with assisting them on how to shift their investments to align with their needs during retirement. Both of them have aFinancial analyst by day and a seasoned investor by passion, I've been involved in the world of investing for over 15 years and honed my skills in analyzing lucrative opportunities within the market.I specialize in uncovering high quality dividend stocks and other assets that offer potential for lo ...

Save yourself thousands of dollars by creating a portfolio that pays you to hold it. No selling required to fund your retirement dreams. Tired of going it alone or visiting a financial advisor who just doesn't seem to care? Join our lively group! Our Income Method generates strong returns, making retirement investing less stressful and straightforward .I spent four years as a bus driver for a large private school. In the morning, I would pick up students and carefully transport them to school. At noon, I wo ...

Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or a ...

Cohen & Steers Infrastructure Fund (UTF)分析 - 前次分析发布于4月2日 标题为《UTG Vs UTF 收益率曲线倒挂时选择UTF作为防御性策略》[1] - 通过与同类基金UTG的对比分析 明确推荐UTF作为防御性配置选择[1] 投资研究服务特点 - 提供独立研究产生的可操作且明确的投资建议[1] - 每周至少发布1篇深度分析文章 聚焦具体投资机会[1] - 历史表现显示其方法能跑赢标普500指数 同时在股债市场剧烈波动时有效控制回撤[2]