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%.