24/7/ Wall St. One of the keys to a comfortable retirement is finding a steady and reliable stream of passive income. But Social Security benefits and a 401(k) portfolio may not be enough, especially in the face of stubborn inflation and economic uncertainty. So many investors turn to dividend ETFs. These are professionally managed funds that invest in a variety of dividend-paying stocks. This offers instant diversification as well as a steady stream of income. But with so many ETFs out there, it can be ...

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. When it comes to retirement income, real estate can be both a blessing and a burden. Rental properties may provide steady monthly payments — until something breaks or property taxes rise. Financial expert Suze Orman recently addressed this topic on her "Women & Money" podcast, offering practical advice for retirees who are thinking about selling long-held properties. A Listener's Dilemma: Replacing $1,100 ...

While reaching retirement age can be both a blessing and a curse, relying on the U.S. ...

社会保障福利的税收规则 - 社会保障福利基于“组合收入”系统征税 组合收入的计算方式为：调整后总收入 + 任何免税利息 + 一半的社会保障福利 [3][6] - 个人纳税者的福利征税门槛：组合收入低于25,000美元不征税 介于25,000至34,000美元之间最高对50%的福利额征税 高于34,000美元则最高对85%的福利额征税 [7] - 联合报税者的福利征税门槛：组合收入低于32,000美元不征税 介于32,000至44,000美元之间最高对50%的福利额征税 高于44,000美元则最高对85%的福利额征税 [7] - 单独报税的已婚个人几乎总是需要为其福利缴纳所得税 [4] 社会保障福利的税收计算示例 - 例如 从退休组合中提取75,000美元应税收入 同时享有42,000美元年福利 则组合收入为96,000美元 需将最高35,700美元的福利额计入应税收入 [3][4] - 每月3,500美元福利相当于21,000美元组合收入 该金额本身未达到个人或联合报税者的征税门槛 实际税负取决于其他退休收入来源 [8] 社会保障福利的税收优化策略 - 减少社会保障福利税的核心策略是降低应税收入 通过调整在组合收入层级中的位置来实现 [5] - 具体策略包括管理来自退休组合的其他应税收入 以控制整体组合收入水平 [5][8]

社会保障福利调整 - 2026年社会保障生活成本调整（COLA）预计将略高于2025年的增幅，具体数字将于10月底公布 [1][2] - COLA旨在帮助依赖该计划作为收入来源的人群减轻因通货膨胀导致的购买力下降 [1] 社会保障福利的局限性 - 社会保障福利不足以作为退休后的唯一生活来源，2025年平均每月福利为2,00831美元，年收入仅约24,100美元 [4] - 该计划最初设计仅为退休后多重收入来源之一，旨在替代约40%的退休前收入 [5][6] - 专家建议退休收入应替代退休前收入的70%至90%，这意味着需要大量储蓄来补充社会保障福利 [6] 退休收入来源建议 - 由于大多数工作者无法获得养老金，退休资金需来自退休账户的分配，如401(k)或IRA [7] - 即使是每月最高福利5,108美元的高收入者，年收入为61,296美元，若无其他收入来源仍需要大幅降低生活水平 [8] - 退休人员应重点关注拥有其他收入来源，而非仅依赖社会保障 [9]

退休收入规划 - 仅依赖社会保障作为退休收入可能不足 [1]

Market Analysis by covering: Adams Diversified Equity Closed Fund, General American Investors Closed Fund. Read 's Market Analysis on Investing.com ...

退休后继续工作的预期与现实 - 员工福利研究所年度退休信心调查显示，75%（即3/4）的在职人员预期退休后将继续工作赚钱，但已退休人员中仅30%（即3/10）实际有薪酬工作 [2] - 这种差异可能源于年龄因素，近期退休者（如68岁）与高龄退休者（如85岁）在继续工作的能力上存在显著差别 [3] 提前领取社保金对收入的影响 - 若在完全退休年龄（1960年或之后出生者为67岁）前开始领取社保福利，收入超过特定限额将导致福利减少 [4] - 具体规则为：年收入超过23,400美元后，每多赚2美元，社保福利将减少1美元 [4] - 举例说明：一位64岁人士年收入50,000美元，月福利2,000美元，因收入超出限额26,600美元，年福利将减少13,300美元，实际年福利降至10,700美元 [5] - 对比案例：另一位64岁人士年收入22,000美元（未超限），可全额领取每月2,000美元的社保福利 [6] 对退休规划的关键启示 - 退休后继续工作的预期可能高于现实，规划时需考虑此因素 [7] - 若计划继续工作，建议至少等到完全退休年龄再开始领取社保福利，以避免收入削减 [7]

Collecting Social Security doesn’t mean you have to stop working — but how much you earn can affect your benefits. If you’re below full retirement age (FRA), there’s a limit to what you can make before your monthly payments take a hit. Be Aware: 3 Little-Known Social Security Rules That Could Save You Thousands Up Next: Warren Buffett: 10 Things Poor People Waste Money On Understanding these limits can help you balance work and retirement income without surprises. Earnings Limits for 2025: What’s Changed ...

Investors looking to not only grow their nest egg for retirement, but also generate significant (and hopefully growing) passive income streams to live off of in retirement, have a number of excellent options to choose from. ...