Social Security Payments Set For 2.5% Increase Next Year; Retirement-Oriented Dividend Stocks Like Coca-Cola, Wells Fargo See Gains
Social Security Payments Set For 2.5% Increase Next Year; Retirement-Oriented Dividend Stocks Like Coca-Cola, Wells Fargo See Gains
Americans receiving Social Security payments may see less of an increase next year, according to a nonprofit group that represents senior citizens.
根據代表老年人的非盈利組織，接受社會保障支付的美國人明年可能會看到漲幅減少。
The Social Security Administration is poised to announce its yearly cost of living adjustment (COLA) for payments to 71 million Americans in the middle of next month, effective in January 2025. The government agency handed out a 3.2% increase for this year last October.
社會保障局準備在下個月中旬宣佈每年的生活費調整（COLA），該調整適用於7100萬名美國人，自2025年1月生效。政府機構在去年10月爲今年進行了3.2%的漲幅調整。
The Senior Citizens League expects a 2.5% increase for next year, based on inflation falling from 2.9% in July to 2.5% in August.
根據老年人聯盟的預測，明年的增幅將爲2.5%，基於通脹從7月的2.9%降至8月的2.5%。
By law, the annual inflation adjustment is based on the average inflation during July, August, and September as measured by the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
根據法律規定，年度通脹調整是根據由城市工資收入者和文員的消費者物價指數（CPI-W）測量的7月、8月和9月的平均通脹水平。
Read Also: Report Warns of $16,500 Annual Social Security Benefit Cut for Dual-Income Couples by 2033
閱讀更多：報告警告，到2033年，雙收入夫婦的社會保障年收益可能削減16500美元。
The Bureau of Labor Statistics averages the CPI-W for these three months and then compares it with the same time frame from the previous year. The percentage difference between the two is the COLA, payable for checks received in January 2025.
勞工統計局對這三個月的CPI-W進行平均計算，然後將其與前一年的同一時間段進行比較。兩者之間的百分比差異就是COLA，可用於2025年1月收到的支票。
The league says the expected 2.5% increase will not be enough for seniors to meet the higher cost of living.
該聯盟表示，預計的2.5%增幅不足以滿足老年人的生活成本上漲。
Nearly 80% of senior households report that their monthly budget for essential items like food, housing, and prescription drugs had increased over the last 12 months, according to a 2024 survey taken by the organization. Almost two-thirds — 63% — say they're worried that their income won't be enough to cover these basic costs in the coming months.
根據該組織2024年的調查，接近80%的老年家庭報告說，他們用於食品、住房和處方藥等基本物品的月預算在過去12個月內增加了。近三分之二的人——63%——表示擔心他們的收入不足以支付這些基本費用。
"Ensuring that seniors have enough to feed and house themselves with dignity is a major reason why we advocate for a minimum COLA of 3%," said Shannon Benton, the league's executive director.
「確保老年人有足夠的食物和住房，保持尊嚴，這是我們倡導將最低COLA定爲3%的主要原因，」聯盟執行董事Shannon Benton表示。
She said about two-thirds of seniors rely on Social Security for more than half of their monthly income, and 28% depend on it entirely.
她說大約三分之二的老年人月收入的一半以上來自社會保障，28%的老年人完全依賴社會保障。
Retirement Stocks
養老股票
Dividend-yielding, retirement-oriented stocks, typically selected for their risk-averse nature, experienced mixed performance by midday trading on Monday.
以分紅爲導向、面向養老的股票，通常因其風險規避特性而被選擇，週一午間交易時的表現參差不齊。
- Coca-Cola Co (NYSE:KO) gained 0.92% to $72.06.
- Anhueser Busch InBev (NYSE:BUD) slipped 0.41% to $64.63.
- Dominion Energy, Inc. (NYSE:D) rose 1.07% to $58.78.
- Microsoft Corporation (NYSE:MSFT) slipped 0.19% to $429.78.
- 哥倫比亞可口可樂公司（NYSE:KO）漲0.92%，報72.06美元。
- 百威英博（NYSE:BUD）跌0.41%，報64.63美元。
- Dominion能源公司（NYSE:D）漲1.07%，報58.78美元。
- 微軟公司（NYSE:MSFT）跌0.19%，報429.78美元。
Retirement ETFs
養老基金
Exchange-traded funds that are well suited for retirement trended upward on Monday.
週一，與養老趨勢相匹配的交易所交易基金上漲。
- Vanguard High Dividend Yield ETF (NYSE:VYM) rose 0.41%.
- IShares MSCI EAFE ETF (NYSE:EFA) gained 0.34%.
- Vanguard Total World Stock ETF (NYSE:VT) edged up 0.53%.
- IShares Cohen & Steers REIT ETF ((BATS: ICF) went up 0.20%.
- Vanguard Total Bond Market ETF (NASDAQ:BND) inched up 0.21%.
- 高股利收益etf-vanguard（紐交所：vym）上漲了0.41%。
- 歐澳遠東指數etf-ishares（紐交所：efa）上漲了0.34%。
- 全球股市指數etf-vanguard（紐交所：vt）上漲了0.53%。
- shutterstock鋼琴&斯蒂爾雷特etf（bats：icf）上漲了0.20%。
- 總債券市場etf-vanguard（納斯達克：bnd）微漲了0.21%。
Retirement Plan Stocks
養老計劃股票
Financial service firms that offer retirement plans were also on the upswing on Monday.
週一，提供養老計劃的金融服務公司也出現上漲。
- The Charles Schwab Corporation (NYSE:SCHW) picked up 2.5% to $63.67.
- Wells Fargo & Co. (NYSE:WFC) gained 1.89% to $53.78.
- JPMorgan Chase & Co. (NYSE:JPM) gained 1.47% to $201.33.
- 嘉信理財股份有限公司（紐交所：SCHW）上漲2.5%，至63.67美元。
- 富國銀行與公司（紐交所：WFC）上漲1.89%，至53.78美元。
- 摩根大通與公司（紐交所：JPM）上漲1.47%，至201.33美元。
Read Now:
立即閱讀：
- 'We Should Not Just Be Dependent Upon The Payroll Tax' To Fund Social Security, Says Retirement Expert Teresa Ghilarducci
- 「我們不應僅僅依靠工資稅爲社會保障提供資金」，養老專家特蕾莎·吉拉杜奇表示。
Photo: Shutterstock
Photo: shutterstock
譯文內容由第三人軟體翻譯。