In order to boost savings during this critical time, Mr. Medley encourages clients in this age range to set up automatic savings plans为了在这样的关键时期提高存款额，麦德利鼓励这个年龄段的客户设置自动存款计划，that direct a portion of their paychecks into an investment account at a firm like Charles Schwab or Fidelity Investments, where it can be invested in stock mutual funds.

直接将部分工资转到嘉信理财或富达投资等机构的投资账户中，从中可以投资股票共同基金。

年龄不同 投资策略不同.jpg"People need to save money outside of their retirement account," says Mr. Medley. "And as elementary as it may seem, an automatic plan works well for most people."麦穗利说，“人们需要在他们的退休账户之外另行存钱。自动计划实际上也很简单，适合于大多数人”。

55 and Over55或55岁以上As you get closer to your retirement years, you want to hold onto the capital you've built up over time.

随着你的退休年龄越来越近，你希望这些年来积攒的资金能够保值。

Trouble is, a lot of that capital has gone away in the market downdraft of the past two years.

问题是，其中的许多资金在过去两年市场的下行中都已经损失了。

"What's important in this case is recognizing where you are right now and not trying to think about where you were in 2007,"“在这种情况下，重要的是清楚你目前的状况，不要再去想你在2007年时的情况”。

says Tommy Williams of Williams Financial Advisers in Shreveport, La.

路易斯安那州Williams Financial Advisers的威廉姆斯说，According to recent surveys, retirement security is first and foremost on the minds of people in this group.

最近的调查显示，这部分人首先考虑的是退休安全。

One strategy is to consider the minimum amount of income you require on an annual basis and then see if there's a low-cost annuity一个策略是，想想你每年所需的最低收入是多少，然后看看有没有低成本的年金，that promises to pay at least that amount for life.

可以承诺终生支付至少这个数目。

"Annuities can play a very strong role, because a lot of them carry guaranteed income," says Mr. Bonhard...

伯恩哈德说，“年金扮演着非常重要的角色，因为许多年金都会保障收入。

Having those guarantees makes it easier to take a little additional risk with the rest of your assets.

有了这些保障，其他的资产冒点风险问题也会太大。

But you do pay something to get those guarantees, and you have to watch that closely."但你得有所付出才能获得这些保障，而且必须密切关注”。

Given the stock market's still relatively low level and, for some folks, a need to rebuild a broken portfolio,考虑到股市仍处于相对低的水平，而且一些人还需要重建以前的投资组合，some advisers recommend tweaking your portfolio mix to have a bit more stock-market exposure via low-cost stock-index mutual funds.

因此一些咨询师建议调整投资组合的成分，通过低成本股市指数共同基金来实现更高的股市敞口。

Portfolio choices, especially among retirees, should be made from a stance of prudence and common sense.

应当从审慎和常识的立场出发来选择投资组织，尤其是退休人员。

Having enough is more important than having more," says Mr. Bonhard. "If you've reached enough, you don't want to be gambling for more."伯恩哈德说，“知足比多多益善更重要，如果已经够了，就不应该冒险想再多捞点。”

He cautions that you should purchase annuities only from companies with a strong financial position and solid credit ratings.

他还提醒，只能从那些财务状况良好、信用评级可靠的公司购买年金。