未來退休計(jì)劃不要依賴社會(huì)保障

未來退休計(jì)劃不要依賴社會(huì)保障

Your retirement years won’t be very golden if they’re primarily funded by Social Security.

如果你的退休生活主要由社會(huì)保障基金資助，那么你的退休生活就不會(huì)很美好。

That’s what retirement plan advisers are telling clients, warning that they need substantial private savings to augment Social Security income, which averages only about $17,500 annually.

這就是退休計(jì)劃顧問告訴客戶的，他們建議客戶用大量的私人儲(chǔ)蓄來增加老年收入，因?yàn)樯绫Ｊ杖肫骄磕曛挥?7,500美元左右。

A Heritage Foundation study found Social Security’s rate of return of 1.25 percent is “vastly inferior” to what retirees receive from most private investments.

美國(guó)傳統(tǒng)基金會(huì)的一項(xiàng)研究發(fā)現(xiàn)，社會(huì)保險(xiǎn)1.25%的回報(bào)率“遠(yuǎn)遠(yuǎn)低于”退休人員從大多數(shù)私人投資中獲得的回報(bào)率。

The long-term annual return of the stock market, as measured by the S&P 500, is about 10 percent.

以標(biāo)準(zhǔn)普爾500指數(shù)衡量，股市的長(zhǎng)期年回報(bào)率約為10%。

However, many don’t or didn’t. Among “elderly Social Security beneficiaries, 21 percent of married couples and 44 percent of unmarried persons rely on Social Security for 90 percent or more of their income,” the Social Security Administration says.

然而，許多人沒有這個(gè)計(jì)劃或從沒這么做過。在“老年社會(huì)保障受益人”中，21%的已婚夫婦和44%的未婚人士依靠社會(huì)保障獲得90%或更多的收入，社會(huì)保障局說。

“Some 63 percent of Americans are unprotected for retirement, meaning they have no source of protected lifetime income — such as a pension or an annuity — other than Social Security,” according to an Alliance for Lifetime Income study.

“大約63%的美國(guó)人沒有退休保障，這意味著他們除了社會(huì)保障之外，沒有任何其他終身保障收入來源，比如養(yǎng)老金或年金。”

Social Security is difficult to incorporate into a plan, as it has been cut and may be again.

社會(huì)保障很難納入一項(xiàng)計(jì)劃，因?yàn)樗呀?jīng)被削減，而且可能再次被削減。

“Today’s report,” the Social Security trustees wrote in the latest annual report, “shows that, as a whole, Social Security is fully funded until 2034, and after that it is three-quarters financed.”

“最新報(bào)告，”社保受托人在最新的年度報(bào)告中寫道，“從整體上看，社保資金在2034年之前是完全到位的，在那之后，有四分之三的資金是到位的。”

That means cuts are possible in 15 years.

這意味著在15年內(nèi)削減社保開支是可能的。