婴儿潮一代重新定义了他们接触过的一切, from music to marriage to parenting and even what “old” means – 60 is the new 50! Longer, healthier living, however, can put greater stress on the sustainability of retirement assets.

这个挑战没有简单的答案, but let’s begin by discussing one idea – a bucket approach to building your retirement income plan. 桶策略有两种形式.

开支桶策略:

With this approach, you segment your retirement expenses into three buckets:

• 基本生活费用——食物、房租、水电费等.
• 可自由支配的开支——度假、外出就餐等.
• Legacy Expenses – assets for heirs and charities This strategy pairs appropriate investments to each bucket.

For instance, Social Security might be assigned to the Basic Living Expenses bucket. 如果这个收入来源不足, 你可以考虑一下固定年金是否可以帮助填补这一缺口. With this approach, you are attempting to match income sources to essential expenses.¹

The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. 年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础投资管理费, 死亡率和费用, 以及可选福利的收费. Most annuities have surrender 费用 that are usually highest if you take out the money in the initial years of the annuity contact. 提款和收入支付按普通收入征税. 如果在59岁半之前提款, a 10% federal income tax penalty may apply (unless an exception applies).

“可自由支配费用”一栏, you might consider investing in top-rated bonds and large-cap stocks that offer the potential for growth and have a long-term history of paying a steady dividend. The market value of a bond will fluctuate with changes in interest rates. 随着利率的下降，现有债券的价值通常会下降. 如果投资者在到期前出售债券, 它的价值可能高于或低于最初的购买价格. By holding a bond to maturity an investor will receive the interest payments due, 加上他们原来的本金, 禁止发行人违约. Investments seeking to achieve higher yields also involve a higher degree of risk. Keep in mind that the return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. Dividends on common stock 不 fixed and can be decreased or eliminated on short notice. 最后, 如果你有希望传承下去的资产, 你可能会把其中一些人放在更激进的投资上, 比如小盘股和国际股票. 资产配置是一种帮助管理投资风险的方法. 资产配置并不能保证不发生投资损失.

国际投资有额外的风险, 其中包括财务报告准则的差异, 货币汇率, 特定国家特有的政治风险, 外国税收和法规, 以及潜在的非流动性市场. 这些因素可能导致更大的股价波动.

时间框架桶策略:

This approach creates buckets based on different timeframes and assigns investments to each. 例如:

• 1到5年:这一阶段为你的近期开支提供资金. It may be filled with cash and cash alternatives, such as money market accounts. Money market funds are considered low-risk securities but they 不 backed by any government institution, 所以赔钱是可能的. Money held in money market funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. 货币市场基金寻求将你的投资价值保持在1美元.00美元一股. However, it is possible to lose money by investing in a money market fund. 货币市场共同基金按招股说明书销售. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. 在你投资或汇款之前仔细阅读它.
• 6 to 10 Years: This bucket is designed to help replenish the funds in the 1-to-5-Years bucket. Investments might include a diversified, intermediate, top-rated bond portfolio. 分散投资是一种帮助管理投资风险的方法. 如果证券价格下跌，这并不能消除损失的风险.
• 11 to 20 Years: This bucket may be filled with investments such as large-cap stocks, 哪些提供了增长潜力.
• 21年或更长时间:这类投资可能包括长期投资, 比如小盘股和国际股票.

每个桶都设置为由下一个长期桶补充. This approach can offer flexibility to provide replenishment at more opportune times. 例如, 如果股价走高, 你可能会考虑补充一下6到10年的储备, 虽然时间还不够. A bucket approach to pursue your income needs is not the only way to build an income strategy, 但这是你为退休做准备时可以考虑的一种策略.

本材料由MarketingPro, Inc .编写., and does not necessarily represent the views of the presenting party, nor their affiliates. 这一信息的来源据信是准确的. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. 此信息不应被解释为投资, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, 也不应该如此依赖. All indices are unmanaged and 不 illustrative of any particular investment.

引用:
1 -吉卜林.com/article/retirement/T037-C000-S002-how-to-implement-the-bucket-system-in-retirement.html (8/30/18)