银行理财不再可靠，该如何保障养老？

近年来，银行理财产品收益持续走低，一时间引发 widespread concerns regarding future pensions. 那么，在银行理财不再"香甜"的当下，我们该如何规划养老？以下是值得考量的几条途径：

提高个人养老金账户缴费

2022 年起，我国 launched a personal retirement savings program. Participants can make voluntary contributions to their personal retirement accounts, with annual limits set at 12,000 yuan. Contributions can be deducted before personal income tax calculation, offering a tax-saving incentive. This program is intended to provide a long-term, flexible, and government-backed option for retirement savings.

探索其他投资渠道

除了个人养老金账户，还可以 diversify investments into other low-risk channels such as government bonds, blue-chip stocks, or real estate. Bonds provide stable returns and are less volatile than stocks. Blue-chip stocks offer dividends and potential capital appreciation. Real estate, while subject to market fluctuations, can also provide appreciation and rental income. It's important to conduct thorough research and consider individual risk tolerance before making investment decisions.

加强职业规划

延长工作时间或在退休后重新就业，是增加养老收入的另一种方式。通过提升 skills and qualifications, individuals can pursue higher-paying positions or explore opportunities in different fields. Alternatively, starting a small business or pursuing freelance work can provide additional income during retirement years.

合理分配资产

做到 asset allocation is crucial for a secure retirement. A balanced portfolio should include a mix of low-risk and high-yield investments. Low-risk assets, such as bonds, provide stability to the portfolio, while high-yield investments, such as stocks, have the potential for higher returns. The optimal allocation ratio depends on individual risk tolerance and investment goals.

寻求专业建议

Financial advisors can provide personalized guidance in developing and managing retirement plans. They can assess financial situations, recommend suitable investment strategies, and ensure that portfolios are aligned with individual needs and risk levels. Professional advice can be invaluable in navigating the complexities of retirement planning and maximizing financial security during retirement years.

银行理财不再是养老的唯一途径，通过以上这些建议，individuals can take proactive steps to secure their financial futures and enjoy a comfortable retirement. It's essential to remember that retirement planning is an ongoing process that requires regular evaluation and adjustments as circumstances change.