职称英语综合类阅读理解的基础训练题(5)
<p> <span word="When">When</span> <span word="IBM">IBM</span> <span word="announced">announced</span> <span word="an">an</span> <span word="overhaul">overhaul</span> <span word="of">of</span> <span word="its">its</span> <span word="pension">pension</span> <span word="plan">plan</span> <span word="for">for</span> <span word="employees">employees</span> <span word="in">in</span> <span word="America">America</span> <span word="last">last</span> <span word="week">week</span>, <span word="it">it</span> <span word="joined">joined</span> <span word="a">a</span> <span word="parade">parade</span> <span word="of">of</span> <span word="employers">employers</span> <span word="that">that</span> <span word="are">are</span> <span word="shifting">shifting</span> <span word="more">more</span> <span word="responsibility">responsibility</span> <span word="for">for</span> <span word="saving">saving</span> <span word="for">for</span> <span word="retirement">retirement</span> <span word="on">on</span> <span word="to">to</span> <span word="workers">workers</span>. <span word="For">For</span> <span word="many">many</span> <span word="Americans">Americans</span>, <span word="of">of</span> <span word="course">course</span>, <span word="this">this</span> <span word="is">is</span> <span word="nothing">nothing</span> <span word="new">new</span>: <span word="millions">millions</span> <span word="of">of</span> <span word="them">them</span> <span word="have">have</span> <span word="been">been</span> <span word="managing">managing</span> <span word="their">their</span> <span word="retirement">retirement</span> <span word="assets">assets</span> <span word="in">in</span> <span word="individual">individual</span> <span word="accounts">accounts</span> <span word="for">for</span> <span word="years">years</span>. <span word="Nevertheless">Nevertheless</span>, <span word="in">in</span> <span word="both">both</span> <span word="America">America</span> <span word="and">and</span> <span word="Britain">Britain</span> <span word="the">the</span> <span word="closure">closure</span> <span word="of">of</span> <span word="paternalistic">paternalistic</span> <span word="corporate">corporate</span> <span word="defined">defined</span> <span word="benefit">benefit</span> <span word="programmes">programmes</span>, <span word="in">in</span> <span word="which">which</span> <span word="pensions">pensions</span> <span word="depend">depend</span> <span word="on">on</span> <span word="earnings">earnings</span> <span word="and">and</span> <span word="years">years</span> <span word="of">of</span> <span word="service">service</span>, <span word="is">is</span> <span word="acceleratingeven">acceleratingeven</span> <span word="at">at</span> <span word="healthy">healthy</span> <span word="companies">companies</span> <span word="such">such</span> <span word="as">as</span> <span word="IBM">IBM</span>.</p><p> <span word="To">To</span> <span word="the">the</span> <span word="extent">extent</span> <span word="that">that</span> <span word="this">this</span> <span word="creates">creates</span> <span word="and">and</span> <span word="encourages">encourages</span> <span word="individual">individual</span> <span word="choice">choice</span> <span word="and">and</span> <span word="responsibility">responsibility</span>, <span word="it">it</span> <span word="is">is</span> <span word="something">something</span> <span word="to">to</span> <span word="welcome">welcome</span> <span word="rather">rather</span> <span word="than">than</span> <span word="to">to</span> <span word="fear">fear</span>. <span word="Many">Many</span> <span word="other">other</span> <span word="countries">countries</span>, <span word="facing">facing</span> <span word="huge">huge</span> <span word="statepension">statepension</span> <span word="obligations">obligations</span>, <span word="would">would</span> <span word="also">also</span> <span word="like">like</span> <span word="to">to</span> <span word="see">see</span> <span word="their">their</span> <span word="citizens">citizens</span> <span word="assume">assume</span> <span word="a">a</span> <span word="bigger">bigger</span> <span word="role">role</span> <span word="in">in</span> <span word="providing">providing</span> <span word="for">for</span> <span word="their">their</span> <span word="own">own</span> <span word="retirement">retirement</span>. <span word="Even">Even</span> <span word="so">so</span>, <span word="the">the</span> <span word="trend">trend</span> <span word="raises">raises</span> <span word="an">an</span> <span word="important">important</span> <span word="question">question</span>: <span word="how">how</span> <span word="much">much</span> <span word="do">do</span> <span word="people">people</span> <span word="due">due</span> <span word="to">to</span> <span word="take">take</span> <span word="on">on</span> <span word="these">these</span> <span word="new">new</span> <span word="responsibilities">responsibilities</span> <span word="know">know</span> <span word="about">about</span> <span word="basic">basic</span> <span word="financial">financial</span> <span word="concepts">concepts</span>?</p><p> <span word="The">The</span> <span word="answer">answer</span> <span word="seems">seems</span> <span word="to">to</span> <span word="be">be</span>; <span word="not">not</span> <span word="much">much</span>, <span word="and">and</span> <span word="less">less</span> <span word="than">than</span> <span word="they">they</span> <span word="think">think</span> <span word="they">they</span> <span word="do">do</span>. <span word="Studies">Studies</span> <span word="show">show</span> <span word="that">that</span> <span word="many">many</span> <span word="people">people</span> <span word="overestimate">overestimate</span> <span word="their">their</span> <span word="knowledge">knowledge</span> <span word="of">of</span> <span word="everything">everything</span> <span word="from">from</span> <span word="inflation">inflation</span> <span word="to">to</span> <span word="risk">risk</span> <span word="diversification">diversification</span> <span word="and">and</span> <span word="compound">compound</span> <span word="interest">interest</span>. <span word="One">One</span> <span word="survey">survey</span> <span word="in">in</span> <span word="Australia">Australia</span> <span word="found">found</span> <span word="that">that</span> 37% <span word="of">of</span> <span word="people">people</span> <span word="who">who</span> <span word="owned">owned</span> <span word="investments">investments</span> <span word="did">did</span> <span word="not">not</span> <span word="know">know</span> <span word="that">that</span> <span word="they">they</span> <span word="could">could</span> <span word="fluctuate">fluctuate</span> <span word="in">in</span> <span word="value">value</span>. <span word="In">In</span> <span word="America">America</span> 31% <span word="did">did</span> <span word="not">not</span> <span word="know">know</span> <span word="that">that</span> <span word="the">the</span> <span word="finance">finance</span> <span word="charge">charge</span> <span word="on">on</span> <span word="a">a</span> <span word="credit">credit</span>-<span word="card">card</span>-<span word="statement">statement</span> <span word="is">is</span> <span word="what">what</span> <span word="they">they</span> <span word="pay">pay</span> <span word="to">to</span> <span word="use">use</span> <span word="credit">credit</span>. <span word="Britains">Britains</span> <span word="Financial">Financial</span> <span word="Services">Services</span> <span word="Authority">Authority</span> <span word="will">will</span> <span word="release">release</span> <span word="the">the</span> <span word="results">results</span> <span word="of">of</span> <span word="its">its</span> <span word="own">own</span> <span word="survey">survey</span> <span word="on">on</span> <span word="financial">financial</span> <span word="literacy">literacy</span> <span word="in">in</span> <span word="the">the</span> <span word="next">next</span> <span word="month">month</span> <span word="or">or</span> <span word="two">two</span>.</p>
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