那就像如今的退休计划。感觉所有的金融风暴都扑面而来。深陷其中的各级政府提供的服务越来越少,而缴税和收费却越来越多。通货膨胀继续爬升。雇主冻结、取消剩余为数不多的确定收益的养老金计划,同时还减少了公司对401(k)计划(美国公司的工资储蓄投资养老计划——译注)的缴纳金额,从而延续削减退休保障的长期趋势。至于我们的投资组合,忘记令人欣慰的股票市场历史回报率吧,近年的数据比11%悲惨得多:标普500(the S&P 500)和12年多以前的1999年1月一样。股神巴菲特认为伯克希尔哈撒韦(Berkshire Hathaway)公司的养老金计划每年回报将只有区区7.1%。
One more fact: You'll probably live longer than you expect, a wonderful thing in every way except financially. New research from the Society of Actuaries finds that 57% of pre-retirees underestimate life expectancy from their current age, while only 28% overestimate. Your nest egg may have to last much longer than you thought.
另一个事实:你很可能活得比预期长,真是大好事,当然,钱这个问题除外。北美精算学会(Society of Actuaries)新近的研究发现:57%的前退休人员在其当前年纪低估了预期寿命,而高估者仅有28%。我们的储蓄需要维持的时间也许比当初计划的长得多。
Those are formidable headwinds. Yet as the Olympic sailors will remind us, you're not condemned to being blown backward. The right tactics will propel you ahead even now. Think of your practical next steps in three categories.
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