在线词典,在线翻译

退休积蓄规则1:随着退休临近降低投资风险

所属:听力板块 来源:voa 阅读:2427 次 评论:0 条 [我要评论]  [+我要收藏]

小编摘要:今天,退休具有不同的意义。对许多美国人来说,这意味着生活中赚钱时期的结束,和享受时期的开始。但退休需要规划和储蓄。

 Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.
退休积蓄规则1:随着退休临近降低投资风险


In many countries, employers may offer some kind of retirement savings plan. The plan could be linked to the company's stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your only way to save for retirement.

Pete D'Arruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks.

PETER D'ARRUDA: "There's three stages of life there when we look at it. There's the part where you're earning money. And when you're earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more."

By risks, Pete D'Arruda means investing in stocks and other financial instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings.

PETER D'ARRUDA: "But then we get to the transition phase when we're within five years or so of retirement. I call it the financial red zone because now is the time when you need to protect what you have, you need to start transitioning away from the risk of Wall Street and into safe places that guarantee lifetime income."

Pete D'Arruda has a simple way of deciding how much of your retirement savings should be at risk. He says, take your age and put a percentage after it. That is the percentage of your retirement savings that should be fully protected from losing value. So, for a sixty-five-year-old, the rule works like this:

PETER D'ARRUDA: "Sixty-five percent of the money must be in a place that can't lose it. The reason why is when you're in retirement it's impossible to get the money back that you lost because you don't have a salary coming in, so time is no longer on your side."

The investment services company Charles Schwab prepares studies about Americans' retirement planning. The company's Retirement Pulse Survey looks at how people of all ages prepare for the big event.

One recent survey found that forty-four percent of baby boomers feel secure in their readiness for retirement. Baby boomers are the generation of Americans born in the years immediately after World War Two. The first baby boomers are now reaching sixty-five, currently the full retirement age in the United States.

标签:voa special
0
2011-10-29 19:28 编辑:pliny
分享到:
关注海词微博:
发表评论:
表达一些您的想法吧!已有0条评论>>
登录,再发表评论
文明上网,理性发言!
您可能还感兴趣的文章:
  • [听力板块]美国最流行的小孩名字

    2010年美国出生的小孩有一个优先的机会被取名为“贝拉”或“爱德华”。这两个名字分别是10大最受欢迎的女孩和男孩名字中的一个。无独有偶,这恰恰是广受欢迎的描述吸血鬼的暮光系列的小说和电影
  • [听力板块]自然博物馆的一场生动科学展览

    户外、露天似乎是学习自然科学的天然场所。在南加州这种人们更喜欢户外的地方,它也极具意义。目前,洛杉矶县自然历史博物馆正为游客把展览从室内搬到户外。
>>精华推荐阅读
热门评论文章