Baby Boomers Won the Retirement Lottery — Everyone Else Is Playing Catch-Up

• Vanguard Total World Bond ETF (BNDW) offers a 4.1% yield.

• Baby Boomers entering status displacement to bonds offering 3-4% yields arsenic Goldman Sachs forecasts a imaginable mislaid decennary for stocks.

• The expert who called NVIDIA successful 2010 conscionable named his apical 10 AI stocks. Get them present FREE.

Baby Boomers person been dealt a beauteous bully hand, astatine slightest comparative to astir different generations. In fact, the procreation present controls a bulk of household wealthiness successful the United States. Meanwhile, galore Millennials, including their ain children, are inactive struggling to interruption into the lodging market. It's hard to believe, but the youngest Baby Boomers crook 62 this year. As they look to participate status implicit the coming years, questions linger arsenic to whether Millennials oregon Gen Z volition person a changeable astatine retiring successful a timeframe their Baby Boomers parents did.

Undoubtedly, galore Millennials aren't arsenic well-off arsenic their parents were astatine astir the aforesaid age. Housing prices person rocketed implicit the decades, the past fewer years of ostentation person eaten into savings, and wages person been comparatively stagnant.

Simply put, it seems similar Millennials could proceed to play the crippled of beingness connected hard mode arsenic the youngest Baby Boomers participate their aureate years with a sizable status portfolio and apt generous Social Security payments.

READ: The expert who called NVIDIA successful 2010 just named his apical 10 AI stocks

In galore ways, it seems similar the Baby Boomer procreation deed the status jackpot, with galore decades of coagulated banal returns, debased barriers to introduction into the lodging market, and comparatively accordant employment prospects. And though banal returns whitethorn precise good beryllium lackluster successful what Goldman Sachs whitethorn dub arsenic "the mislaid decade," retired Baby Boomers whitethorn not beryllium each excessively affected by a slowdown successful the banal market, particularly arsenic they heap into low-risk dividend payers, high-yield existent property concern trusts (REITs), and safer fixed-income investments similar certificates of deposit (CDs), Treasuries, and bonds.

As it stands today, stocks are beauteous frothy, with the AI roar and "soft landing" script apt mostly baked in. Though Goldman and assorted different pundits foresee little returns moving forward, it's pugnacious to archer what the aboriginal trajectory for markets volition be.

Will we spot much of a flat-ish ascent implicit the adjacent 10 years? Or could determination beryllium much important volatility (think a large clang oregon aggregate carnivore marketplace moments) en way to a much humble level successful the coming decade?