Almost half of us households own stocks and bonds in the form of mutual funds, most of those through retirement plans.

几乎半数美国家庭以共同基金的形式持有股票和债券，而其中的多数有关系到他们的退休计划。

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Mel Lindauer, co-author of 'The Bogleheads' Guide to Retirement Planning,' is fond of I-bonds, inflation-adjusted savings bonds from the Treasury that are yielding 3.36%.

相对于收益率为3.36%的美国国债，《退休计划达人指南》的作者之一林道尔(Mel Lindauer)对通货膨胀指数储蓄债券更为青睐。

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They are typically pegged to an expected year of retirement, and the fund company automatically adjusts the mix of stocks, bonds and other assets to get more conservative as the investor nears retirement.

WSJ: How to Streamline and Simplify a Complicated Investment Portfolio

By the time you're ready to retire, you should have a large percentage of your retirement account in bonds.

FORBES: How (And Why) To Open A 401(k)

The court found that the tax treatment on stock options, private retirement benefits and bearer bonds were all violations of the law under the French tax system.

FORBES: High Court Says 'Non' To Millionaire Tax in France