投资需谨慎: 五种最愚蠢的投资理财方式_BEC初级作文

投资需谨慎: 五种最愚蠢的投资理财方式

(Many retirees may not have much of a choice. Hard labor at low pay over a lifetime takes its toll on a person. Also, many companies all but force older workers into early retirements.)

（许多退休者可能没有太多选择。一辈子拿着低薪从事着艰苦的工作，是很折磨人的。而且，许多公司几乎是在强迫高龄员工早点退休。）

In any case, it doesn't take more than just a few years before the total money accrued with the higher, later benefits surpasses the total earned starting at the earlier retirement age.

无论如何，多等上些时候去享受更高的福利，这样积累下来的数额用不了几年就能超过在退休年龄初期即开始提取的全部社保金额。

But that understates the bigger issue. Social Security is insurance. For many retirees, the big risk isn't that they will run out of money before they turn 70, but after 85. According to the Centers for Disease Control, more than half of women currently age 65 will live to 85 or longer, and three out of eight men.

不过，这样说会让人们忽视一个更大的问题。社保金是一种保险。对于许多退休者而言，最大的风险不在于他们会在70岁之前没钱了，而是在85岁之后。根据美国疾病控制与预防中心(Centers for Disease Control)的数据，目前年龄在65岁的女性中，超过半数的人将活到85岁甚至更久，男性中的这个比例为八分之三。

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