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England's blustery Dorset coast seems an unlikely setting for retirement planning lessons, but actually it's perfect. That's where this summer's Olympic sailboat races will take place, and viewers new to sailing will learn a surprising fact: You can sail into the wind. You need to tack in ways that aren't necessary when the wind is behind you, but do it right and you'll move bracingly fast. 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。 That's retirement planning today. You're feeling virtually all the financial winds right in your face. Strapped governments at every level will be giving you fewer services and taking more from you in taxes and fees. Inflation may be creeping up. Employers will continue the long-term trend of whittling retirement security by freezing or abolishing the few remaining defined-benefit pension plans and reducing company contributions to 401(k) plans. As for your investment portfolio -- forget those reassuring historical stock market returns of around 11% annually and note that recent years have been far grimmer: The S&P 500 (SPX) is right where it was more than 12 years ago, in January 1999. Warren Buffett assumes Berkshire Hathaway's (BRKA) pension plan will earn a modest 7.1% a year. | 
