For many people, retirement income will consist of Social Security checks (which only deliver, on average, about $18,500 annually) and income from stocks. Stocks can generate income for you when you sell them, but then they're gone. A powerful way to collect income from stocks without having to sell any shares is to invest in healthy and growing dividend-paying stocks.

对许多人来说，退休收入包括社会保障支票(平均每年只提供大约18500美元)和股票收入。当你卖出股票时，股票可以为你带来收益，但之后它们就消失了。一个不需要卖出任何股票就能从股票中获得收益的有力方法是投资于健康且不断增长的派息股票。

Dividend payers will generate a fairly reliable income stream, and one that will rise over time, as dividend-paying companies like to increase their payouts regularly, when possible. Here are three companies to consider if you're seeking stocks for your retirement portfolio.

派息者将产生一个相当可靠的收入流，而且会随着时间的推移而增加，因为派息公司喜欢在可能的情况下定期增加派息。如果你正在为自己的退休投资组合寻找股票，可以考虑以下三家公司。

Image source: Getty Images.1. JPMorgan Chase

图片来源:Getty images。摩根大通

JPMorgan Chase (NYSE: JPM) isn't among the hottest or most exciting of stocks, but it has been a solid profit-generating business for a very long time. It's one of the biggest banks in America, with some $3.4 trillion in assets globally, and it sports a dividend that recently yielded 3.6%. Better still, it's a growing dividend, having more than doubled over the past five years.

摩根大通(NYSE: JPM)并不是最热门或最令人兴奋的股票，但它长期以来一直是一个稳定的盈利业务。它是美国最大的银行之一，在全球拥有约3.4万亿美元的资产，最近的股息收益率为3.6%。更好的是，它的股息在不断增长，在过去5年翻了一倍多。

Dividends are one way to reward shareholders, but they're not the only way. There's also stock-price appreciation -- and stock buybacks. JPMorgan Chase is planning to spend some $30 billion buying back shares of its own stock in 2021. Given that the company's market capitalization was recently a hefty $426, that means it aims to buy back close to 7% of its shares. Here's why that's meaningful: Imagine a pizza cut into eight pieces, and that one of those pieces is yours. If that pie is cut into only six pieces, though, your piece will be a fatter one. Similarly, if many shares of JPMorgan Chase's stock are bought back and essentially retired, there will be fewer shares remaining, and each share will have a bigger claim on the company's earnings and growth.

股息是奖励股东的一种方式，但不是唯一的方式。还有股价升值和股票回购。摩根大通计划在2021年花费300亿美元回购自己的股票。鉴于该公司最近的市值高达426美元，这意味着它计划回购近7%的股票。这有意义的原因是:想象一个披萨被切成八块，其中一块是你的。如果那个派只被切成六块，那么你的那块会更厚一些。同样，如果许多摩根大通的股票被回购，实际上已经退出市场，那么剩下的股票就会更少，每股股票对公司收益和增长的要求也会更大。

With the economy expected to recover from pandemic-related sluggishness in the coming year, the bank's business should improve, too. Some analysts expect big stock-price appreciation, but even if it keeps growing slowly, long-term investors can enjoy a steady and meaningful income stream from dividends.2. Digital Realty Trust

随着明年经济有望从与流行病相关的低迷中复苏，该行的业务也将有所改善。一些分析师预计股价会大幅上涨，但即使它继续缓慢增长，长期投资者也可以享受到稳定而可观的股息收入。数字房产信托

You may be familiar with real estate investment trusts (REITs), which are companies that own a lot of real estate properties, often focused on some niche such as apartments, warehouses, medical facilities, or shopping centers. They lease these properties out and collect rents. As REITs, they get tax breaks in exchange for paying out at least 90% of their income in the form of dividends. Digital Realty Trust(NYSE: DLR) is a REIT with a somewhat newfangled niche: Data centers. As the world becomes more and more dependent on digital transmissions, it will require more and more data centers, where servers and other equipment can reside. Think about cloud computing -- all that data isn't actually stored in the sky, in clouds -- it's stored in data centers.

您可能熟悉房地产投资信托(REITs)，这是拥有大量房地产的公司，通常专注于一些细分市场，如公寓、仓库、医疗设施或购物中心。他们把这些房产出租，然后收取租金。作为房地产投资信托基金，它们将至少90%的收入以股息的形式支付，从而获得税收减免。Digital Realty Trust(纽约证券交易所代码:DLR)是一家房地产投资信托基金，有一个新奇的利基市场:数据中心。随着世界越来越依赖数字传输，它将需要越来越多的数据中心，服务器和其他设备可以驻留在那里。想想云计算——所有的数据实际上并不是存储在天空中，而是存储在云里——而是存储在数据中心里。

All that suggests a rosy future for Digital Realty Trust, which sports a dividend that recently yielded 3% -- and that payout has risen by an average annual rate of 6% over the past five years.3.Microsoft

这一切都预示着数字房地产信托的美好未来，该公司最近的股息为3%，而且在过去五年中，股息以年均6%的速度增长

Then we have Microsoft(NASDAQ: MSFT), which has been paying a dividend since 2003. Its payout recently yielded 0.9%, which might not sound like much -- but it's been growing at an average annual rate of 9% over the past five years. Better still, the portion of its earnings that it pays out in dividends -- its payout ratio -- was recently only 31%, reflecting plenty of room for further growth.

然后是微软(NASDAQ: MSFT)，该公司自2003年以来一直在支付股息。它最近的股息收益率为0.9%，这听起来可能不高，但过去五年它一直在以年均9%的速度增长。更妙的是，该公司用于派息的收益比例(派息率)最近仅为31%，反映出还有很大的进一步增长空间。

There's a lot to like about Microsoft, such as its prevalent Office 365 suite of productivity software. It has turned that into a subscription service, which is a smart move, as it creates a fairly dependable and predictable -- and regular -- income stream, instead of waiting for customers to decide to upgrade their software now and then. Its operating system is also rather prevalent, with more than a billion devices running it. Microsoft is also active in plenty of other areas, such as gaming (with its Xbox), search, devices, artificial intelligence, and cloud computing.

微软有很多让人喜欢的地方，比如它流行的办公软件Office 365套件。它已经将这种服务转变为订阅服务，这是一个明智的举动，因为它创造了一个相当可靠、可预测的——和定期的——收入流，而不是等待客户决定时不时地升级他们的软件。它的操作系统也相当流行，运行它的设备超过10亿部。微软在其他很多领域也很活跃，比如游戏(Xbox)、搜索、设备、人工智能和云计算。

With a market value recently at $1.8 trillion, this is a big company -- but it's still growing at a respectable clip: Consider that in its last reported quarter, revenue grew by 17%, while net income surged by 33%.

这家公司最近的市值为1.8万亿美元，是一家大公司，但它仍在以可观的速度增长:上个季度，它的营收增长了17%，净利润飙升了33%。

If any of these companies interest you, take a closer look at them to see whether they're likely to serve you well in the years to come.

如果你对其中任何一家公司感兴趣，那就仔细看看它们是否会在未来几年为你提供良好的服务。

Teresa Kersten, an employee of LinkedIn, a Microsoft subsidiary, is a member of The Motley Fool's board of directors. Selena Maranjian owns shares of JPMorgan Chase and Microsoft. The Motley Fool owns shares of and recommends Digital Realty Trust and Microsoft. The Motley Fool has a disclosure policy.

Teresa Kersten是微软子公司LinkedIn的员工，也是The Motley Fool的董事会成员。赛琳娜·马兰健拥有摩根大通和微软的股份。《杂耍傻瓜》持有数字房地产信托公司和微软的股票，并推荐他们。《斑驳的傻瓜》有个披露政策。