养老金阴谋:你给退休存的钱可能太多了_BEC初级作文

养老金阴谋:你给退休存的钱可能太多了

For average earners, whose pre-retirement income is roughly $56,000, this is welcome news, says Michael Falcon, Head of Retirement at JP Morgan Asset Management. Their annual spending in retirement seems not to be escalating as previously thought from around $43,000 at age 65 to nearly $80,000 at age 90 (due to inflation); instead, it climbs only to around $50,000. Social Security can cover a significant chunk of that.

摩根大通资产管理公司（JP Morgan Asset Management）退休部的主管迈克尔?法尔孔说，这对于年收入约5.6万美元的中等收入人群是个鼓舞人心的消息：这部分人群退休后的年度开支并没有像当初预料的那样，从65岁时所需的4.3万美元增长到90岁时的8万美元（受通胀影响），而是仅仅止步于5万美元左右。其中，社保资金弥补了相当大的缺口。

But higher earners -- particularly those who earn more than the median income but below what the country considers wealthy -- should be cautious before taking their feet off the gas. Their spending actually declines in retirement -- but that still doesn't mean they'll have saved enough to cover it.

但收入更高的人群，尤其是高于平均水平，但称不上富豪的那些人，在决定养老储蓄时不能掉以轻心。他们退休后的开支当然会较之退休前减少，但这并不意味着他们的储蓄足以维持这些开支。

"Having to save more is an affluent problem," Falcon says. And here's why: "If I make $200,000 to $300,000 a year, I'm probably spending a lower percentage of my gross income pre-retirement because of saving and taxes," Falcon says. "I may be spending only 50% of my gross salary." Still, because of the higher take-home, Social Security will not replace the same percentage of pre-retirement income. And taxes -- including those on withdrawals from retirement accounts -- will take a bigger bite.