The 7 Best Funds For Retirees
The 7 Best Funds For Retirees
InvestorPlace - Stock Market News, Stock Advice & Trading Tips
InvestorPlace-股票市場新聞、股票建議和交易提示
Since interest rates are rising, it is safer to put your money in funds as compared to individual stocks. Funds invest the money in stocks or bonds but it will reduce the risk since all your money is not invested in a particular stock or sector.
由於利率正在上升，與個股相比，把錢放在基金裏更安全。基金將錢投資於股票或債券，但它會降低風險，因為你所有的錢都不會投資於特定的股票或行業。
You might feel put off by the return on funds but it is a safer investment option if you are a retiree and cannot take a lot of risks. A balanced portfolio should include the best funds for retirees.
你可能會覺得資金回報令你望而卻步，但如果你是退休人員，不能承擔太大風險，這是一個更安全的投資選擇。一個平衡的投資組合應該包括為退休人員提供的最佳資金。
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They can be traded like common stocks and you can track the index just like stocks. You can invest in funds just as easily as you can invest in stocks. Let's take a look at the 7 best funds for retirees.
它們可以像普通股一樣交易，你可以像股票一樣跟蹤指數。你可以像投資股票一樣輕鬆地投資基金。讓我們來看看最適合退休人員的7大基金。
Vanguard Long Term Investment Graded Fund (VWESX)
先鋒長期投資分級基金(VWESX)
Vanguard has been a popular choice when it comes to funds. It has low expense ratios and a low minimum investment. This fund will take 0.22% of the assets for management every year and has a minimum investment of only $3,000.
在基金方面，先鋒一直是一個受歡迎的選擇。它的費用比率很低，最低投資額也很低。該基金每年將收取0.22%的資產進行管理，最低投資額僅為3,000美元。
Vanguard Long Term Investment Graded Fund (VWESX) has invested in 1,386 holdings and it holds large positions in U.S. and California government bonds. It is an ideal long-term bond fund that carries a yield of 3.76%. The fund provides exposure to medium and high-quality corporate bonds that have a maturity period ranging from 15 years to close to 25 years.
先鋒長期投資分級基金(VWESX)已投資1,386只股票，並持有大量美國和加州政府債券。這是一隻收益率為3.76%的理想長期債券基金。該基金提供對中優質公司債券的敞口，這些債券的期限從15年到接近25年不等。
It invests in corporate bonds and holds a small amount in municipal bonds. If you are looking for long-term investment and can tolerate minor risk, then this fund can be a good option.
它投資於公司債券，並持有少量市政債券。如果你正在尋找長期投資，並且可以承受較小的風險，那麼這隻基金可能是一個很好的選擇。
Vanguard Retirement Income Fund (VTINX)
先鋒退休收入基金(VTINX)
If you are already enjoying your retirement years, you can opt for this fund to enjoy capital appreciation on your investment. It has an allocation in stocks and bonds and carries moderate risk. It has low fees and will help with your cash flow.
如果你已經在享受你的退休歲月，你可以選擇這隻基金來享受你的投資的資本增值。它有股票和債券配置，風險適中。它的費用很低，而且有助於您的現金流。
Vanguard Target Retirement Income Fund (MUTF:VTINX) focuses on five index funds and allocates 30% in stocks and 70% in bonds. The stock allocation includes both, domestic and international stock funds. They can be further divided into total, inflation-protected and international funds.
先鋒目標退休收入基金(MUTF：VTINX)專注於五只指數基金，將30%配置在股票上，70%配置在債券上。股票配置既包括國內股票基金，也包括國際股票基金。它們還可以進一步分為總基金、通脹保值基金和國際基金。
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The fund has an expense ratio of 0.12%, significantly lower than many other funds in this category and the total fund net assets stand at $22.2 billion. The shares in this fund are trading for $12.67 each. This is one fund retirees must consider.
該基金的費用比率為0.12%，明顯低於同類基金中的許多其他基金，基金總淨資產為222億美元。該基金的股票交易價格為每股12.67美元。這是退休人員必須考慮的一個基金。
Fidelity Capital & Income Fund (FAGIX)
富達資本收益基金(FAGIX)
If you are a retiree and can take a little higher market risk, you will be able to enjoy a high potential yield with Fidelity Capital & Income Fund (FAGIX).
如果你是一名退休人員，可以承擔更高的市場風險，你將能夠享受富達資本和收入基金(FAGIX)的高潛在收益。
Based on the historical performance, the fund has offered a yield of 4.95% in five years and 6.24% in 10 years, and your portfolio will consist of investment-grade bonds and high-yield bonds.
根據歷史表現，該基金提供了5年4.95%的收益率和10年6.24%的收益率，你的投資組合將由投資級債券和高收益債券組成。
The risk could be slightly higher but the yields are consistently and significantly higher than other mutual funds which have their major allocation towards U.S. treasuries. Fidelity Capital & Income fund has an expense ratio of 0.69%.
風險可能略高，但收益率一直明顯高於其他共同基金，這些共同基金的主要配置都是美國國債。富達資本收益基金的費用比率為0.69%。
iShares Floating Rate Bond ETF (FLOT)
IShares浮動利率債券ETF(FLOT)
iShares Floating Rate Bond ETF (FLOT) is an ETF that invests in the top investment-grade floating rate bonds with maturities ranging from one month to five years. The interest payment on the bonds will adjust to the changes in the interest rate but it is an attractive investment option for retirees.
IShares浮動利率債券ETF(FLOT)是一種ETF，投資於期限從一個月到五年的頂級投資級浮動利率債券。債券的利息支付將根據利率的變化進行調整，但對於退休人員來説，這是一個有吸引力的投資選擇。
Managed by Blackrock, the fund focuses on safety with short-term loans and has a 5-year annualized return of 1.39% and a yield of 0.87%. With an expense ratio as low as .15%, the bond is a great investment option for you to consider. iShares floating rate bond has already broken even this year and it holds $9.6 billion in assets under management.
該基金由貝萊德管理，主打安全短貸，5年期年化收益率1.39%，收益率0.87%。低至0.15%的費用比率，債券是一個很好的投資選擇，你可以考慮。IShares浮動利率債券今年已經實現盈虧平衡，管理着96億美元的資產。
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If you are looking for higher safety, this bond is a good choice. The shares in FLOT are trading at $50.14 each today.
如果你正在尋找更高的安全性，這種債券是一個很好的選擇。今天，Flot的股票交易價格為每股50.14美元。
Vanguard Wellesley Income Fund (VWINX)
先鋒韋爾斯利收入基金(VWINX)
Another fund by Vanguard which focuses on sustainable income and invests about 35% of the fund into solid dividend-paying companies, Vanguard Wellesley Income Fund (MUTF:VWINX) will ensure that you enjoy a higher yield than the S&P 500.
Vanguard的另一隻基金專注於可持續收益，將約35%的基金投資於可靠的股息支付公司，Vanguard Wellesley Income Fund(MUTF：VWINX)將確保您享受比標準普爾500指數更高的收益。
It is a four-decade-old fund that has become a part of several portfolios. In order to secure your money in turbulent market conditions, the balance 65% is invested in fixed-income securities which include corporate bonds. The fund has a long duration and an expense ratio of 0.23%. Vanguard Wellesley Income fund has a 12-month yield of 2.35%. The actively managed fund has low volatility and offers strong and steady income.
這是一隻有40年曆史的基金，已成為多個投資組合的一部分。為了在動盪的市場條件下確保你的資金安全，餘額的65%投資於固定收益證券，其中包括公司債券。該基金存續期較長，費用比率為0.23%。Vanguard Wellesley Income基金的12個月收益率為2.35%。主動管理型基金波動性低，提供強勁穩定的收益。
It is trading at $25.75 today. It has a strong history of outperforming its peers and has a conservative allocation strategy. This fund is one of the top choices for retirees and they have done an exceptionally good job in the past.
今天，它的交易價格為25.75美元。它有着超越同行的強勁歷史，並採取保守的配置策略。該基金是退休人員的首選之一，他們在過去的工作中表現得非常好。
If you have a medium to high time horizon and are looking for a consistent, stable income, this is a good fund to park your money in.
如果你有一箇中高的時間範圍，並正在尋找持續穩定的收入，這是一個很好的基金來存放你的錢。
Invesco Senior Floating Rate Fund (OOSAX)
景順高級浮動利率基金(OOSAX)
This is another income fund that invests in floating-rate loans. It is an ideal choice if the interest rates are rising. So, in today's environment, the fund would perform well. It has a 12-month yield of 4.28% and the fund invests in stocks and low-rated loans.
這是另一隻投資於浮動利率貸款的收益基金。如果利率在上升，這是一個理想的選擇。因此，在今天的環境下，該基金的表現會很好。它的12個月收益率為4.28%，該基金投資於股票和低評級貸款。
Invesco Senior Floating Rate Fund (NASAAQ:OOSAX) aims to provide a high level of a steady income and invests in adjustable-rate loans in domestic as well as foreign companies, business entities, or partnerships. It can invest up to 20% of the total assets in senior loans and other securities in foreign companies.
景順高級浮動利率基金(NASAAQ：OOSAX)旨在提供高水平的穩定收入，投資於國內外公司、商業實體或合夥企業的可調利率貸款。它可以將總資產的20%投資於外國公司的優先貸款和其他證券。
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Invesco senior floating rate fund has total assets worth $3.71 billion across 608 holdings. It might not provide capital appreciation but will ensure steady income over time.
景順高級浮動利率基金持有608只資產，總資產價值37.1億美元。它可能不會帶來資本增值，但將確保隨着時間的推移收入穩定。
Invesco QQQ ETF (QQQ)
景順基金(Invesco QQQ ETF)
If there is one thing that is not going out of our lives anytime soon, it is technology. Whether you believe it or not, we cannot live without it.
如果説有一樣東西不會很快從我們的生活中消失，那就是技術。不管你信不信，我們離不開它。
Technology stocks have taken a downward trend this year but they are not out yet. Some of the top and the most profitable companies in the technology industry will bounce back and they will continue to grow.
科技股今年出現了下跌趨勢，但它們還沒有走出。科技行業中一些最頂尖、最賺錢的公司將反彈，並將繼續增長。
Investing in Invesco QQQ ETF (NASDAQ:QQQ) will give you exposure to these companies. The fund invests in tech giants including Tesla (NASDAQ:TSLA) and Amazon (NASDAQ:AMZN). It is down currently and is trading for $301.39 per share but it can grow significantly over the years. In the last decade, it showed a 20% return to investors and is one of the top ETFs available today. However, it is ideal for those who have a long investment horizon and can take moderate risks.
投資景順QQQ ETF(納斯達克代碼：QQQ)將使您對這些公司有敞口。該基金投資於特斯拉(納斯達克代碼:TSLA)和亞馬遜(納斯達克：AMZN)等科技巨頭。目前股價下跌，交易價格為每股301.39美元，但未來可能會大幅增長。在過去的十年裏，它為投資者帶來了20%的回報，是目前可用的頂級ETF之一。然而，它是那些擁有長期投資期限並可以承擔適度風險的人的理想選擇。
Funds can be a smart option for retirees who want to invest in a managed portfolio and do not want to take a hands-on approach. Whenever you choose a fund, always look for one with a low expense ratio so that it boosts performance and can provide the steady income you are looking for.
對於那些想要投資於管理的投資組合，而不想採取親力親為的方式的退休人員來説，基金可能是一個明智的選擇。每當你選擇一隻基金時，總是要尋找一隻費用比率較低的基金，這樣它才能提振業績，並能提供你想要的穩定收入。
On the date of publication, Vandita Jadeja did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.
截至發稿之日，Vandita Jadeja並未(直接或間接)持有本文所述證券的任何頭寸。本文中表達的觀點是作者的觀點，以InvestorPlace為準。
The post The 7 Best Funds For Retirees appeared first on InvestorPlace.
適用於退休人員的7大最佳基金的帖子最早出現在InvestorPlace上。
