三招轻松搞定退休大计
<p><span word="England">England</span>'<span word="s">s</span> <span word="blustery">blustery</span> <span word="Dorset">Dorset</span> <span word="coast">coast</span> <span word="seems">seems</span> <span word="an">an</span> <span word="unlikely">unlikely</span> <span word="setting">setting</span> <span word="for">for</span> <span word="retirement">retirement</span> <span word="planning">planning</span> <span word="lessons">lessons</span>, <span word="but">but</span> <span word="actually">actually</span> <span word="it">it</span>'<span word="s">s</span> <span word="perfect">perfect</span>. <span word="That">That</span>'<span word="s">s</span> <span word="where">where</span> <span word="this">this</span> <span word="summer">summer</span>'<span word="s">s</span> <span word="Olympic">Olympic</span> <span word="sailboat">sailboat</span> <span word="races">races</span> <span word="will">will</span> <span word="take">take</span> <span word="place">place</span>, <span word="and">and</span> <span word="viewers">viewers</span> <span word="new">new</span> <span word="to">to</span> <span word="sailing">sailing</span> <span word="will">will</span> <span word="learn">learn</span> <span word="a">a</span> <span word="surprising">surprising</span> <span word="fact">fact</span>: <span word="You">You</span> <span word="can">can</span> <span word="sail">sail</span> <span word="into">into</span> <span word="the">the</span> <span word="wind">wind</span>. <span word="You">You</span> <span word="need">need</span> <span word="to">to</span> <span word="tack">tack</span> <span word="in">in</span> <span word="ways">ways</span> <span word="that">that</span> <span word="aren">aren</span>'<span word="t">t</span> <span word="necessary">necessary</span> <span word="when">when</span> <span word="the">the</span> <span word="wind">wind</span> <span word="is">is</span> <span word="behind">behind</span> <span word="you">you</span>, <span word="but">but</span> <span word="do">do</span> <span word="it">it</span> <span word="right">right</span> <span word="and">and</span> <span word="you">you</span>'<span word="ll">ll</span> <span word="move">move</span> <span word="bracingly">bracingly</span> <span word="fast">fast</span>.</p><p>英格兰狂风咆哮的多塞特郡海岸看起来不像是开设退休计划课程的地方，可实际上没有比这里更理想的地方了。今夏奥运会的帆船比赛将在这里举行，而帆船运动的新观众将学到令人吃惊的新知识：我们居然可以迎风前行。不过和顺风时不同，我们必须抢风行驶，但如果行动得当，前进的速度简直令人振奋。</p><p><span word="That">That</span>'<span word="s">s</span> <span word="retirement">retirement</span> <span word="planning">planning</span> <span word="today">today</span>. <span word="You">You</span>'<span word="re">re</span> <span word="feeling">feeling</span> <span word="virtually">virtually</span> <span word="all">all</span> <span word="the">the</span> <span word="financial">financial</span> <span word="winds">winds</span> <span word="right">right</span> <span word="in">in</span> <span word="your">your</span> <span word="face">face</span>. <span word="Strapped">Strapped</span> <span word="governments">governments</span> <span word="at">at</span> <span word="every">every</span> <span word="level">level</span> <span word="will">will</span> <span word="be">be</span> <span word="giving">giving</span> <span word="you">you</span> <span word="fewer">fewer</span> <span word="services">services</span> <span word="and">and</span> <span word="taking">taking</span> <span word="more">more</span> <span word="from">from</span> <span word="you">you</span> <span word="in">in</span> <span word="taxes">taxes</span> <span word="and">and</span> <span word="fees">fees</span>. <span word="Inflation">Inflation</span> <span word="may">may</span> <span word="be">be</span> <span word="creeping">creeping</span> <span word="up">up</span>. <span word="Employers">Employers</span> <span word="will">will</span> <span word="continue">continue</span> <span word="the">the</span> <span word="long">long</span>-<span word="term">term</span> <span word="trend">trend</span> <span word="of">of</span> <span word="whittling">whittling</span> <span word="retirement">retirement</span> <span word="security">security</span> <span word="by">by</span> <span word="freezing">freezing</span> <span word="or">or</span> <span word="abolishing">abolishing</span> <span word="the">the</span> <span word="few">few</span> <span word="remaining">remaining</span> <span word="defined">defined</span>-<span word="benefit">benefit</span> <span word="pension">pension</span> <span word="plans">plans</span> <span word="and">and</span> <span word="reducing">reducing</span> <span word="company">company</span> <span word="contributions">contributions</span> <span word="to">to</span> 401(<span word="k">k</span>) <span word="plans">plans</span>. <span word="As">As</span> <span word="for">for</span> <span word="your">your</span> <span word="investment">investment</span> <span word="portfolio">portfolio</span> -- <span word="forget">forget</span> <span word="those">those</span> <span word="reassuring">reassuring</span> <span word="historical">historical</span> <span word="stock">stock</span> <span word="market">market</span> <span word="returns">returns</span> <span word="of">of</span> <span word="around">around</span> 11% <span word="annually">annually</span> <span word="and">and</span> <span word="note">note</span> <span word="that">that</span> <span word="recent">recent</span> <span word="years">years</span> <span word="have">have</span> <span word="been">been</span> <span word="far">far</span> <span word="grimmer">grimmer</span>: <span word="The">The</span> <span word="S">S</span>&<span word="P">P</span> 500 (<span word="SPX">SPX</span>) <span word="is">is</span> <span word="right">right</span> <span word="where">where</span> <span word="it">it</span> <span word="was">was</span> <span word="more">more</span> <span word="than">than</span> 12 <span word="years">years</span> <span word="ago">ago</span>, <span word="in">in</span> <span word="January">January</span> 1999. <span word="Warren">Warren</span> <span word="Buffett">Buffett</span> <span word="assumes">assumes</span> <span word="Berkshire">Berkshire</span> <span word="Hathaway">Hathaway</span>'<span word="s">s</span> (<span word="BRKA">BRKA</span>) <span word="pension">pension</span> <span word="plan">plan</span> <span word="will">will</span> <span word="earn">earn</span> <span word="a">a</span> <span word="modest">modest</span> 7.1% <span word="a">a</span> <span word="year">year</span>.</p>
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