投资肯定要投，现在的理论是 3 bucket strategy. The 3-Bucket Retirement Strategy is a widely recognized and utilized method for managing retirement savings and income. This approach divides retirement funds into three distinct "buckets," each serving a specific purpose based on when the money will be needed. Here's how the 3-Bucket Strategy typically works: Bucket 1: Short-term needs (0-3 years): This bucket is for immediate expenses and emergencies, containing funds needed within the next few years. It's designed to be easily accessible and minimize risk. Bucket 2: Intermediate needs (3-10 years): This bucket is for expenses that are several years away, such as a large purchase, travel, or covering expenses if Bucket 1 runs low. It can include assets with slightly higher potential for growth than Bucket 1, but still relatively conservative. Bucket 3: Long-term needs (10+ years): This bucket focuses on long-term growth and funding longevity, including potential expenses much further into retirement. It may include growth-oriented assets like stocks and mutual funds.
gabegabe 发表于 2025-07-14 16:38 投资肯定要投，现在的理论是 3 bucket strategy. The 3-Bucket Retirement Strategy is a widely recognized and utilized method for managing retirement savings and income. This approach divides retirement funds into three distinct "buckets," each serving a specific purpose based on when the money will be needed. Here's how the 3-Bucket Strategy typically works: Bucket 1: Short-term needs (0-3 years): This bucket is for immediate expenses and emergencies, containing funds needed within the next few years. It's designed to be easily accessible and minimize risk. Bucket 2: Intermediate needs (3-10 years): This bucket is for expenses that are several years away, such as a large purchase, travel, or covering expenses if Bucket 1 runs low. It can include assets with slightly higher potential for growth than Bucket 1, but still relatively conservative. Bucket 3: Long-term needs (10+ years): This bucket focuses on long-term growth and funding longevity, including potential expenses much further into retirement. It may include growth-oriented assets like stocks and mutual funds.
Here are some suitable investment options for bucket 2: Longer-maturity bonds (2-10 year): These bonds offer a balance between interest rate risk and potential returns, providing a stable income stream. Preferred stocks: These hybrid securities offer features of both bonds and stocks, typically providing fixed dividend payments and potential for moderate growth. Income funds: These funds focus on generating regular income through investments in bonds, dividend stocks, and other income-producing assets. REITs (Real Estate Investment Trusts): REITs allow investors to indirectly invest in real estate, potentially offering both income (from rental properties) and long-term capital appreciation. Balanced or Moderate-allocation funds: These funds offer a diversified approach, blending equities for potential growth and fixed-income securities for stability. Dividend-paying equities: High-quality companies that consistently pay dividends can provide a steady income stream and potential for stock price appreciation. Laddered CD portfolio: This strategy involves purchasing Certificates of Deposit (CDs) with staggered maturity dates, providing liquidity while potentially benefiting from rising interest rates.
确实是，所以那段时间有的退休人士又回来工作了
如果坚持定投，在2000-2010年期间还坚持持续买进，那远远用不了十年就出水了。定投也要放到人生的尺度上来看，不是说现在手里有一笔钱，非要分多少次慢慢投。定投的意思是，未来的工资，未来的收入还没到手，只能等未来工资到手后再投，所以是定投。
再有自08年开始，美联储学会了量化宽松，全球政府都在印钱，大家不得不投资。
只要美国的国运不衰，美股大盘长期还是会持续上涨。一个持续上涨的股市，自然是新高之后还有新高。
至于信不信美国国运，还是真的相信所谓东升西降，美帝要玩，那就是最基本的认知问题了。尊重他人命运，放弃助人情结。
系统提示：若遇到视频无法播放请点击下方链接
https://www.youtube.com/embed/Qy0OWkCsm5k
没办法，人的记忆力都很短的。过去十几年大盘涨得太多了，所有谈风险的人都被市场抛弃了。市场只看对错，大家都是活在当下。其实别上杠杆，只要输得起就行。
如果是定投， 慢慢存退休了慢慢花，失去的十年也并不可怕。最怕的是美国不行了。
我感觉是手上留有余粮，随时可以补仓问题就不大。
这么好的帖子没有人气
可是现在Fed 反其道而行之，开始紧缩了
问题是如果你在这十年需要退休就不一样了。华人网这里大部分人都在这个尴尬年龄段
没办法紧缩，现在这局势，只会放水，老百姓买单。
问题是你的钱放哪里呢？
你可能没关注新闻。Powell 这届的思路就是紧缩 + 升息。 现在还不肯降息。很难讲股市会不会被Fed 搞砸
快退休的人肯定不会100%股市啊，熬过跌的那几年再卖股票不就行了
你不知道他要下台了吗？ 你有地方投资就别买大盘好了。
其实退了休后还有几十年，钱还是要放投资的，何况还没退。
我04年开始工作，401k一直放满。实际上是花了很长时间才回本。前十年的return跟后十年的真的是差距很大。
投资肯定要投，现在的理论是 3 bucket strategy. The 3-Bucket Retirement Strategy is a widely recognized and utilized method for managing retirement savings and income. This approach divides retirement funds into three distinct "buckets," each serving a specific purpose based on when the money will be needed. Here's how the 3-Bucket Strategy typically works: Bucket 1: Short-term needs (0-3 years): This bucket is for immediate expenses and emergencies, containing funds needed within the next few years. It's designed to be easily accessible and minimize risk. Bucket 2: Intermediate needs (3-10 years): This bucket is for expenses that are several years away, such as a large purchase, travel, or covering expenses if Bucket 1 runs low. It can include assets with slightly higher potential for growth than Bucket 1, but still relatively conservative. Bucket 3: Long-term needs (10+ years): This bucket focuses on long-term growth and funding longevity, including potential expenses much further into retirement. It may include growth-oriented assets like stocks and mutual funds.
也对
Bucket 2买什么？
我自己的投资轨迹也是这样的， 现在也是enough
系统提示：若遇到视频无法播放请点击下方链接
https://www.youtube.com/embed/V360AygOv7A
Here are some suitable investment options for bucket 2: Longer-maturity bonds (2-10 year): These bonds offer a balance between interest rate risk and potential returns, providing a stable income stream. Preferred stocks: These hybrid securities offer features of both bonds and stocks, typically providing fixed dividend payments and potential for moderate growth. Income funds: These funds focus on generating regular income through investments in bonds, dividend stocks, and other income-producing assets. REITs (Real Estate Investment Trusts): REITs allow investors to indirectly invest in real estate, potentially offering both income (from rental properties) and long-term capital appreciation. Balanced or Moderate-allocation funds: These funds offer a diversified approach, blending equities for potential growth and fixed-income securities for stability. Dividend-paying equities: High-quality companies that consistently pay dividends can provide a steady income stream and potential for stock price appreciation. Laddered CD portfolio: This strategy involves purchasing Certificates of Deposit (CDs) with staggered maturity dates, providing liquidity while potentially benefiting from rising interest rates.
所以手上有一定比例的现金还是很重要的。
那买啥你觉得更稳妥呢？买个股，有可能本也没有了。继续买七大，有可能可以，