养老金阴谋:你给退休存的钱可能太多了
<p><span word="Are">Are</span> <span word="you">you</span> <span word="saving">saving</span> <span word="too">too</span> <span word="much">much</span> <span word="for">for</span> <span word="retirement">retirement</span>? <span word="Can">Can</span> <span word="you">you</span> <span word="believe">believe</span> <span word="I">I</span>'<span word="m">m</span> <span word="even">even</span> <span word="asking">asking</span> <span word="that">that</span> <span word="question">question</span>?</p><p>你的养老金是不是存得太多了？或者你认为这个问题本身就很无厘头？</p><p><span word="Full">Full</span> <span word="disclosure">disclosure</span>: <span word="The">The</span> <span word="folks">folks</span> <span word="at">at</span> <span word="Morningstar">Morningstar</span> <span word="Investment">Investment</span> <span word="Management">Management</span>, <span word="specifically">specifically</span> <span word="head">head</span> <span word="of">of</span> <span word="retirement">retirement</span> <span word="research">research</span> <span word="David">David</span> <span word="Blanchett">Blanchett</span>, <span word="asked">asked</span> <span word="it">it</span> <span word="first">first</span>. <span word="He">He</span> <span word="found">found</span> <span word="that">that</span> <span word="for">for</span> <span word="many">many</span> <span word="people">people</span> <span word="the">the</span> <span word="answer">answer</span> <span word="is">is</span> <span word="yes">yes</span> -- <span word="by">by</span> <span word="an">an</span> <span word="average">average</span> <span word="of">of</span> 20%. <span word="That">That</span>, <span word="as">as</span> <span word="Blanchett">Blanchett</span> <span word="acknowledges">acknowledges</span>, <span word="is">is</span> <span word="a">a</span> <span word="big">big</span> <span word="deal">deal</span>. "<span word="Retirement">Retirement</span> <span word="is">is</span>, <span word="by">by</span> <span word="and">and</span> <span word="large">large</span>, <span word="the">the</span> <span word="most">most</span> <span word="expensive">expensive</span> <span word="purchase">purchase</span> <span word="of">of</span> <span word="anyone">anyone</span>'<span word="s">s</span> <span word="lifetime">lifetime</span>," <span word="he">he</span> <span word="says">says</span>. "<span word="For">For</span> <span word="people">people</span> <span word="who">who</span> <span word="think">think</span> <span word="they">they</span> <span word="need">need</span> $1 <span word="million">million</span> <span word="but">but</span> <span word="find">find</span> <span word="they">they</span> <span word="only">only</span> <span word="need">need</span> $800,000, <span word="it">it</span> <span word="is">is</span> <span word="a">a</span> <span word="big">big</span> <span word="difference">difference</span>."</p><p>而事实是这样的：晨星投资管理公司（<span word="Morningstar">Morningstar</span> <span word="Investment">Investment</span> <span word="Management">Management</span>）退休研究部主管大卫?布兰切特率先提出了这个问题，而且他发现， 20%左右的人对这个问题的回答是肯定的。布兰切特认为情况有些严重，他说：“养老储蓄金毫无疑问是大多数人人生最大的一笔投入。但想象和现实差距很大，人们以为自己需要存上100万美元来养老，实际上只要80万就够了。”</p><p><span word="So">So</span> <span word="how">how</span> <span word="do">do</span> <span word="you">you</span> <span word="figure">figure</span> <span word="out">out</span> <span word="whether">whether</span> <span word="it">it</span> <span word="applies">applies</span> <span word="to">to</span> <span word="you">you</span>? <span word="You">You</span> <span word="have">have</span> <span word="to">to</span> <span word="take">take</span> <span word="a">a</span> <span word="step">step</span> <span word="back">back</span> <span word="and">and</span> <span word="look">look</span> <span word="at">at</span> <span word="both">both</span> <span word="the">the</span> <span word="retirement">retirement</span> <span word="saving">saving</span> <span word="goals">goals</span> <span word="you">you</span>'<span word="ve">ve</span> <span word="set">set</span> <span word="for">for</span> <span word="yourself">yourself</span> <span word="and">and</span> <span word="your">your</span> <span word="current">current</span> <span word="spending">spending</span>.</p><p>那么，这种情况是否也出现在你身上？大家最好还是重新审视一下自己的养老储蓄计划，以及目前的开销。</p>
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