股息股票长期表现 - 过去50年，标普500成分股中支付股息的公司实现了9.2%的平均年化总回报率，是不支付股息公司回报率（4.3%）的两倍以上 [1] - 若50年前投资12,500美元于股息股票，目前可成为百万富翁 [1] 股息增长策略优势 - 与单纯追求高股息收益率相比，关注公司持续增加股息支付的能力更为重要，因为高收益率的股息可能无法长期维持 [4] - 股息增长型及初始派息公司的历史平均年化总回报率最高，达到10.2%，显著高于股息政策不变者（6.8%）和削减或取消股息者（-0.9%） [5] - 以10.2%的平均年回报率计算，初始投资12,500美元可在46年内增长至100万美元 [7] 优质股息增长股特征 - 许多公司被证实是可靠的股息增长者，例如“股息之王”公司已连续至少50年每年增加股息 [8] - 股息增长型股票往往具备四个共同特征 [6]

文章核心观点 - 瑞银2025年全球财富报告显示 2024年每天约有1000名美国人成为百万富翁 这一趋势由三大关键资产驱动 [1][2] 财富增长驱动因素 - 房地产是构建财富的传统且被忽视的途径 房价在过去几年快速上涨 帮助许多家庭积累了大量财富 [3][4] - 通过抵押贷款购房 权益的增长基于整个房产价值 而非仅首付款 在热门市场 即便小额首付也能获得长期收益 [4] - 出租部分或全部房产可产生额外收入 加速偿还抵押贷款或进行再投资 长期持有并偿还贷款的策略能稳步创造财富 [5] 股票投资策略 - 股票价格上涨 特别是在科技和能源领域 提振了储蓄和投资账户价值 [6] - 获得最大收益的投资者并非频繁交易 而是持有宽基指数基金或股息股票 [6] - 坚持每月向标普500指数基金定投500美元可积累至六位数 持续投资比市场时机选择更重要 [6] 退休计划的作用 - 雇主赞助的退休计划虽不引人注目 但已悄然将大量普通员工转变为百万富翁 [7] - 即使收入水平一般 通过持续向401(k)计划供款 也能建立起七位数的退休账户 [7]

Passive income is a great way to increase cash flow, which can be especially helpful when prices for most consumer goods are high. Having reliable passive income sources means you’re making money while you sleep. For you: I Asked ChatGPT for the Best Passive Income Ideas of 2025: Here’s What It Said Try This: Clever Ways To Save Money That Actually Work in 2025 Unfortunately, the biggest obstacle for most people is not knowing how to start. Luckily, there are many ways to generate passive income. Some req ...

High earners know that living beneath your means and saving money consistently are the keys to amassing wealth. But once you’ve got a nest egg, what’s next? You have to hold on to that wealth and, hopefully, grow it. Having multiple streams of income is a great way to do that. Here are four income streams that help high earners hold on to their wealth. Read Next: 5 Key Mindset Shifts To Financially Become the Top 1%, According to Humphrey Yang Check Out: 5 Cities You Need To Consider If You're Retiring in ...