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投资理财

40%以上的美国人不为退休存钱,原因何在?

Renae Reints 2018年12月03日

没为退休存钱的受访者中有70%的人表示,根本原因是没有多余收入可用于储蓄。

投资平台Stash新发布的调查数据显示,40%以上的美国人没有为退休存钱,而且其中逾三分之一为45岁至65岁人士,即人们通常认为储蓄高峰的年龄段。

如果只看18岁至34岁的美国人,不为退休存钱的比例则升至50%。虽然储蓄越早退休越轻松的建议可能有些夸大,也有一定道理(主要应该感谢复利),但年轻人显然不爱存钱。

Stash于11月在网上调查了2000多名美国人,没为退休存钱的受访者中有70%的人表示,根本原因是没有多余收入可用于储蓄。

在以负债出名的美国,这样的情况并非完全出乎意料。40%的受访者表示没有为退休存钱是因为正在还债。在美国,尚未偿还的联邦学生贷款总额为1.4万亿美元,此外美国人还欠着1万亿美元的信用卡债务。

认为没必要为退休存钱的受访者中,近15%的人在公司里可以参与401K退休计划,却选择不参加;另有50%的人说,不为退休存钱是因为现在说退休还太早,更愿意选择活在“当下”。

但活在当下并不代表可以不顾未来。约35%的美国人认为,普通人无法按时退休就是因为开始储蓄的时间不够早(另有30%的人怪工资低,还有30%的人说因为社会保险等福利不够多或根本不存在)。

同时,80%的美国人觉得将来可以顺利退休,现在存不存钱关系不大。

受访者对同事的看法没那么不乐观。问到其他人能否退休时,近80%的人都表示其他人很难。

最后是可怜的悲观主义者——近10%的美国人觉得要工作到死,没退休那一天。如果不想晚景悲惨,现在就开始存钱吧,哪怕每周只存上几美元也好。(财富中文网)

译者:Charlie

审校:夏林

Over 40% of Americans are not saving for retirement, according to new survey data from Stash—including over one third of those ages 45 to 65 years old, in what’s normally considered peak saving years.

This number rises to 50% when looking at only individuals ages 18 to 34. Apparently young adults aren’t saving despite the perhaps overly-stated advice that the earlier you start saving, the easier it will be to retire (thank you, compound interest).

According to Stash, who surveyed over 2,000 Americans online in November, 70% of those not saving for retirement say it’s because they don’t have additional income to spare.

In a nation of debt, this isn’t overly surprising: 40% of survey respondents said they’re not saving for retirement because they’re paying off debt. Across the country, there’s $1.4 trillion in federal student loans unpaid, in addition to Americans’ $1 trillion credit card debt.

For those who don’t feel the need to save for retirement, nearly 15% are offered a 401K through their employer, but choose not to take advantage of it. Another 50% of that group say they don’t save for retirement because that day is too far away, and they’d rather elect to live in “the now.”

Living in the present doesn’t mean you should ignore the future, however. About 35% of Americans believe the average person won’t be able to retire because they didn’t start saving early enough (another 30% blame low wages; yet another 30% say it’s because programs like Social Security won’t be enough or won’t exist).

Still, 80% of Americans believe they will be able to retire someday—regardless of if they’re currently saving or not.

Respondents were less optimistic about their colleagues. When asked about the ability of others to retire, nearly 80% said they will not be able to do so.

Then there’s the tragic realists: nearly 10% of Americans think they’ll never stop working. To avoid this category, start saving—even if it’s only a few bucks per week.

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