g********n
发帖数: 2314 | 1 这是什么狗屁文章？
2000年nazdaq上亏了老本的那些，如果死抱着科技股，９年后的今天回本多少？
1990年日本股市上亏了老本的退休者，如果死抱着不放，２０年后的今天回本了么？
每年涨 12.8% 一直涨到 2017。 哈哈哈哈。世界真完美。
Recoup your bear market losses
There's a chance - even if you're in your late fifties. But you have to
keep investing in stocks.
(Money Magazine) -- The plunge in stock prices has been especially tough
on those who recently retired or are on the verge of doing so and who
are relying on their 401(k)s for income. But what if you have a bit more
time - say, a decade or more of working, saving, and investing?
While conventional wisdom says that workers in their twenties and
thirties can easily recoup their bear market losses, baby boomers in
their forties and fifties aren't viewed as being so lucky. Yet if you're
in this group, your prospects may not be as bleak as you assume. As
crazy as it sounds, it's possible that last year's market crash could
even work in your favor.
That's the surprising finding of a new Urban Institute study that
projects how people of various ages might fare under three scenarios
following this bear market. It takes into account all potential sources
of retirement income, from Social Security to pensions to the value of
401(k)s and other accounts.
Under some circumstances, the researchers found, even older boomers in
their middle to late fifties can end up with the same or nearly as much
income at age 67 as they would have had if stocks hadn't crashed last
year but instead delivered average returns. This assumes these workers
keep saving as if nothing changed (roughly 7% to 8% of their salary, on
average).
There's even a chance, under the rosiest recovery scenario, that about
one in four boomers could experience a modest boost in retirement income
- about 7% or so.
Patience pays
How, you may ask, is that possible? First, for a significant number of
older boomers to achieve this cheerful outcome despite the crash, the
market would have to stage a rather remarkable recovery in 10 years -
rebounding at a real rate of 12.8% a year until 2017, and then posting
market-average gains thereafter.
Equities have delivered such lofty gains before, in the late '50s, early
'60s, and late '90s, but it's rare. The bar isn't quite so high for most
boomers to come away with roughly the same amount of retirement income
that they would have enjoyed without a crash. That would take a recovery
where stocks deliver real annual returns of 9.6% through 2017 followed
by average gains. | t****e
发帖数: 114 | | p******b
发帖数: 129 | 3 今年401k 全部放stock了， 张乐15%了。
【在 g********n 的大作中提到】
: 这是什么狗屁文章？
: 2000年nazdaq上亏了老本的那些，如果死抱着科技股，９年后的今天回本多少？
: 1990年日本股市上亏了老本的退休者，如果死抱着不放，２０年后的今天回本了么？
: 每年涨 12.8% 一直涨到 2017。 哈哈哈哈。世界真完美。
: Recoup your bear market losses
: There's a chance - even if you're in your late fifties. But you have to
: keep investing in stocks.
: (Money Magazine) -- The plunge in stock prices has been especially tough
: on those who recently retired or are on the verge of doing so and who
: are relying on their 401(k)s for income. But what if you have a bit more
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