美联储利率减息讨论引发退休风险警告, Federal Reserve interest rate cut discussion prompts retirement risks warning, suggesting proactive financial planning.

当美联储考虑降低利率时,专家们警告说,衰退可能威胁到退休计划,特别是近退休人员的退休计划。 As the Federal Reserve considers interest rate cuts, experts warn that a recession could threaten retirement plans, especially for near-retirees. 为减少风险,个人应制定应急计划,根据年龄和风险容忍度重新评估投资组合,保持现金缓冲,考虑推迟社会保障索偿,投资于有保障收入的年金。 To mitigate risks, individuals should create contingency plans, reassess investment portfolios based on age and risk tolerance, maintain a cash buffer, and consider delaying Social Security claims and investing in annuities for guaranteed income. 积极主动的财政规划对于应对潜在的经济衰退至关重要。 Proactive financial planning is crucial for navigating potential economic downturns.