如何讓你的退休投資組合保值_風聞

【來源龍騰網】

正文原創翻譯：

How to Inflation-Proof Your Retirement Portfolio

如何讓你的退休投資組合保值

Retirement savers and retirees need to defend against the eroding effects inflation has on their nest egg and legacy goals.

退休儲蓄者和退休人員需要抵禦通貨膨脹對他們的儲蓄和遺產的侵蝕作用。

If you haven’t thought about how to tweak your financial plan given current and future rates of inflation, now would be a good time to do so.

如果你還沒有考慮過在當前和未來的通貨膨脹率下如何調整你的財務計劃，現在是時候這樣做了。

“As America’s economy reopens, we are seeing higher inflation rates,” said Philip Herzberg, a lead financial adviser with Team Hewins.

Hewins團隊首席財務顧問菲利普·赫茨伯格(Philip Herzberg)表示:“隨着美國經濟重新開放，我們將看到更高的通脹率。”

And this unwelcome spike should, said Herzberg, prompt savers to consider the threat higher inflation could pose to their financial plans. “The 6.8% rise in the consumer price index over the past year marked the highest inflation increase in 30 years,” he said. “Keeping in mind the soaring, double-digit inflation rates of the 1970s, savers may be concerned now.”

赫茨伯格説，這種不受歡迎的上漲應該會促使儲蓄者考慮更高的通脹可能對他們的財務計劃構成的威脅。 他説:“去年消費者價格指數上漲6.8%，標誌着30年來最高的通貨膨脹率。” “考慮到上世紀70年代兩位數的通脹率飆升，儲户現在可能要擔心了。”

But even if inflation never reaches those levels again (12% in 1974 and 14.5% in 1980), you still need to think about the eroding effects it has on your nest egg and legacy goals over the long haul, said Herzberg.

但是，赫茨伯格説，即使通脹永遠不會再達到這些水平(1974年為12%，1980年為14.5%)，你仍然需要考慮它對你的儲蓄和遺產的侵蝕效應。

What to do? Check whether your investments strategy and retirement income plan are protected against inflation for the long term. “The optimal long-term approach to combat rising inflation is to grow your income and investment returns at a faster pace than the inflation rate,” said Herzberg.

那該怎麼做呢?檢查你的投資策略和退休收入計劃是否能長期抵禦通貨膨脹。赫茨伯格表示，“對抗通脹上升的最佳長期方法是，以高於通脹的速度增加收入和投資回報。”

But don’t the inflation tail wag the investment dog. “Your investment strategy should not be solely based on hedging against inflation in isolation of other considerations that are pivotal to your overall financial plan,” said Herzberg. “A diversified investment portfolio is important to not only protect your purchasing power over time, but also to provide a greater level of risk protection should one investment asset underperform over a period.”

但不要因為通貨膨脹而影響投資。“你的投資策略不應僅僅基於對通脹的對沖，而將其他對你整體財務計劃至關重要的考慮孤立起來，” 赫茨伯格説。“多元化的投資組合很重要，它不僅可以保護你長期購買力，還可以在一項投資資產在一段時間內表現不佳時，提供更高水平的風險保護。”

Global Equities Could Provide Protection

全球股市可以提供保護

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Where to invest? According to Herzberg, global equities, over long periods of time, historically provide both income and growth. Other investment advisers also advocate for investing in global equities in the current environment. “We continue to believe equity investors will be rewarded for allocating as much of their equity exposure to non-U.S. markets as their risk tolerance allows,” wrote John Thorndike, co-head of asset allocation at GMO, in the company’s third-quarter report.

投資在哪裏?根據赫茨伯格的説法，從歷史上看，長期來看，全球股票既能帶來收入，也能帶來增長。其他投資顧問也主張在當前環境下投資全球股市。“我們仍然認為，股票投資者將儘可能多地配置非美國股票敞口，將獲得回報。GMO資產配置聯席主管約翰·桑代克(John Thorndike)在該公司第三季度報告中寫道。

Dividend Stocks May Fuel Growth

股息股可能推動增長

In addition, Herzberg said dividend-paying stocks provide growth on the income. “Equities have generated better total returns - income plus capital appreciation - compared to bonds over time, which makes them a viable option to fighting inflation,” he said. “Even without capital appreciation, stock dividends alone have kept up with inflation over time. In particular, dividends over the past 150 years paid by U.S. companies have grown 3.7% per year compared with 2% per year for inflation.”

此外，赫茨伯格還表示，派息類股票還能帶來收入增長。他表示:“長期來看，與債券相比，股票產生了更好的總回報——收入加上資本增值——這使它們成為對抗通脹的可行選擇。”“即使沒有資本增值，長期來看，僅股票股息一項就與通脹保持同步。特別是，在過去150年裏，美國企業支付的股息每年增長3.7%，相比之下，由於通貨膨脹，股息每年增長2%。”

Don’t Forget Fixed Income

別忘了固定收益

Because of the volatility associated with equities, you may want to choose investments that pay a fixed income, such as a bond fund, said Herzberg. “However, a fixed-income investment, in today’s low interest rate environment, may pay an income too low for most investors,” he said. “Plus, inflation, over the long haul, is going to make the income even lower.”

赫茨伯格説，由於股票的波動性，你可能會選擇支付固定收益的投資，比如債券基金。“不過，在當前低利率環境下，對多數投資者而言，固定收益投資的收益可能過低，“他表示。“此外，從長遠來看，通貨膨脹會使收入更低。”

The upshot, said Herzberg, is that stocks likely deliver the long-term retiree a better chance for a successful financial outlook.

赫茨伯格説，其結果是，股票可能會讓長期退休的人有更好的機會獲得成功的財務前景。

A Pro Offers Peace of Mind

專業人士提供內心的平靜

You could seek out a certified financial planner professional to uate the short- and long-term impact of inflation on your financial planning. “Foundationally, a robust financial plan ensures that your purchasing power needs are met in today’s environment of high inflation, persistently low interest rates, and a volatile stock market,” said Herzberg.

你可以找一個專業的註冊理財規劃師來評估通貨膨脹對你的理財計劃的短期和長期影響。赫茨伯格説:“從根本上説，一個穩健的財務計劃可以確保你的購買力需求在當今高通脹、持續低利率和動盪的股市環境下得到滿足。”