Core Viewpoint - The article emphasizes the importance of incorporating dividend-paying stocks into an investment portfolio, highlighting their ability to provide passive income and mitigate losses during market downturns [2][3]. Group 1: Dividend Stocks Overview - Dividend-paying stocks can provide extra cash flow regardless of market conditions, making them a valuable addition to any portfolio [2]. - Dividend Kings, companies that have increased their dividend payments for at least 50 consecutive years, are highlighted as wise investment choices due to their commitment and ability to sustain dividends over time [3]. Group 2: Company Profiles - **Coca-Cola (KO)**: - The company is the largest non-alcoholic beverage producer globally, with a market cap of $303 billion and a dividend yield of 2.89%, having increased its dividend for over 60 years [7][5]. - Current share price is $70.52, with a dividend payment of $2.04 per share [6][7]. - **Abbott Laboratories (ABT)**: - A healthcare giant with a diversified business model across medical devices, nutrition, diagnostics, and pharmaceuticals, offering a market cap of $218 billion and a dividend yield of 1.88% [10][12]. - The current share price is $125.46, with a dividend payment of $2.36 per share, and has increased its dividend for 53 years [12][13]. - **Target (TGT)**: - The retailer is undergoing a recovery phase with a new CEO and has a market cap of $44 billion, boasting a dividend yield of 4.66% [14][16]. - Current share price is $97.09, with a dividend payment of $4.56 per share, and has increased its dividend for 54 years [18].

冯润桓认为，年轻人很容易出现现时偏差（PresentBias），也就是说比较关注眼前的事情，不愿意做长 远的规划。养老准备问题常被认为"很重要但不紧急"，所以有些人的主动规划意识不足。他认为，养老 规划包含几个方面，一是养老金的规划，有足够的钱可以在退休后保持原来的生活品质；二是健康规 划，有没有足够的资金支付医疗的开支，有没有买百万医疗、重疾等健康险产品等；三是传承规划，随 着年龄的增长、身体机能的衰落，需要很多长期护理的医疗服务，这就涉及未来我们的养老资产如何在 有限的晚年合理地分配和使用。 个人养老金产品如何购买 12月初，工商银行将3年期大额存单起存门槛从行业常规的20万元升至100万元，但年利率与50元起存的 普通定存持平，均为1.55%。11月以来，多家国有大行相继下架5年期大额存单，3年期存款产品利率普 遍降至1.5%至1.75%区间，部分中小银行取消3年期、5年期普通定期存款。在存款利率持续下行的背景 下，"钱袋子"如何保值增值，养老规划该怎么做，成为年轻人关注的焦点问题之一。 年轻群体转向分散理财模式 某社交平台理财达人孙女士向北京青年报记者表示，过去大家认为存够100万元，年利4%至5%， ...

我卖掉了房子。 准确说，是割肉止损了结一笔持续四年的坏账。 决定买下它，只用了一个下午。 决定卖掉它，我纠结了三年。 这三年，与其说是在等房价回暖，不如说是在等自己"认输"。直到我彻底想通一件事：在财务的资产负 债表上，感情用事，是成本最高的负债。 这是一场价值百万的资产逻辑纠偏。 让我下定决心的，不是某个专家的分析，而是一个最基础的财务概念的颠覆——到底什么是"资产"？ 我们从小被灌输：房子、车子、存款，是资产。是"好东西"，是"家底"。 但真相是残酷的：不能带来正向现金流入的东西，都是负债。它们只是在消耗你的现金，伪装成资产的 样子。 我那套房子：每月吞噬房贷利息、物业费，每年因折旧和市价阴跌而缩水。它不再是我的"资产"，而是 我名下每月定时扣款的"不良负债"。 当年买房，理由无比正确：为了儿子上学。看了学校旁的房子，冲动之下，用了最高的价格、背了最高 的利息。 这几年我反复算一笔账：房价下跌的损失+利息成本+机会成本（这笔首付本可产生的投资收益），足 够我在学校隔壁租一套更好的房子，并雇一个专职保姆接送孩子，舒舒服服用上几年。 而我，却为了一个"拥有学区房"的虚名，把自己套牢在钢筋水泥的债务里，忍受着资 ...

The beauty of passive income grows with time, especially in the current economic climate. ...

Passive income is the holy grail of investing, but the No. 1 passive income source in 2026 might surprise you. While cryptocurrency is the Wild West of speculative investments, crypto cloud mining might be the best passive income opportunity for 2026, according to crypto website AInvest. You can earn crypto rewards by participating in the blockchain itself, but without the massive upfront costs normally associated with crypto mining. But before you jump in, let’s break down how it works, what it costs, ho ...

Many investors in 2025 need dependable passive income, especially those getting ready to retire, and one outstanding way to achieve this is to invest in exchange-traded funds (ETFs). ...

Passive income can be a beautiful thing. It can be a set-it-and-forget it investment that generates money without you having to do anything. It can also be a bad idea for retirees, depending upon the situation. Not all passive income is the same, and some is more passive than others. Trending Now: This ‘Boring’ Investment Could Be the Secret To Never Running Out of Retirement Income For You: 5 Clever Ways Retirees Are Earning Up To $1K Per Month From Home Here are three passive income ideas that retirees ...

Core Insights - Dividends are highlighted as a crucial element in building wealth and securing a financial future [1] Investment Strategy - An initial investment of $2,500 per asset is recommended for diversification across five stocks or exchange-traded funds (ETFs) [1]

Core Insights - The article emphasizes the potential for generating significant income with minimal effort and capital through careful investment choices [1] Investment Strategy - A starting investment of $2,500 in select stocks and exchange-traded funds (ETFs) can yield impressive results [1]

The average retirement age is 65 for men and 63 for women, based on the Center for Retirement Research at Boston College. That's up from 63 and 60, respectively, in 2001. Blame the moving target on increased life expectancies, the rising age for full benefits from Social Security, the cost of healthcare, or any number of other hurdles to life after work. Meanwhile, investing to fund a retirement likely to last 15 to 20 years or more often predicts the need for a nest egg of $500,000 to more than $1 milli ...