1、This is the VOA Special English Economics Report.这里是美国之音慢速英语经济报道。Last week, we discussed limiting investment risk in retirement planning. So what are financial planners advising people to invest in?上周我们讨论了限制退休计划的投资风险，那么，财务咨询师会建议人们如何投资呢？Stocks and bonds are the best known investments and are importan
2、t to any savings plan.股票和债券是最常见的投资方式，对于任何储蓄计划来说都很重要。Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk.诸如储蓄账户和存单的储蓄工具支付少量利息，风险也很小。Annuities are another savings instrument with low risk.另一种低风险的储蓄工具是年金。PETER DARRUDA: Worldwide people can
3、put their money in annuities, which are basically savings accounts offered by insurance companies.PETER DARRUDA:“世界各地的人们把钱存入年金，这是保险公司提供的基本储蓄账户。”But financial planner Pete DArruda also says it is important to make a decision about an annuity with a good financial planner. He warns that annuity agreem
4、ents can be complex, and many bad ones are available.而财务咨询师Pete DArruda也指出，和懂行的财务咨询师一起商议选择年金很重要，他警告说，年金协议很复杂，坏的也掺杂其中。Pete DArruda says good planning means placing money into financial securities and accounts that have different risk levels, using asset allocation.Pete DArruda说，好的方案意味着使用资产分配，把钱存入不同风险
5、水平的金融证券和账户中。PETER DARRUDA: So true asset allocation is having some in stocks, some in bonds, some in mutual funds, but then some in other places with guaranteed income and then safety and liquidity kind of accounts for emergencies.Pete DArruda：“所以，资产分配就是将一些钱存入股票，一部分存入债券，一部分存入共同基金，再把有收入保障的钱存入安全流动账户，以
6、备紧急需要。”This method of savings follows the old saying you should not put all your eggs in one basket. But that is not for everyone.这种办法就是俗语所说的“不要把所有的鸡蛋都放入同一个篮子里，”但这并不适于用所有的人。Sande Taylor is with investment company Charles Schwab in south Florida. She advises investors every day. She says many investo
7、rs have a personal style. There are conservative investors.Sande Taylor在南佛罗里达嘉信理财集团公司工作，她每天向投资者提供咨询，她说，许多投资者都有自己的风格，有的投资者很保守。SANDE TAYLOR: A conservative investor by definition typically has eighty percent of their portfolio within fixed income markets and cash.Sande Taylor：“按照定义，保守投资者就是其80%的投资组合由固定
8、收入市场和现金组成。”Even in retirement, Sande Taylor says, some people have their entire financial portfolio, or set of investments, in stocks. They are the aggressive investors.Sande Taylor说，有的人即使已经退休，也将股票作为其全部财政组合，或投资组合，这种人就是激进的投资者。In saving for retirement, there can be a difference between what people bel
9、ieve and what they actually do.在退休储蓄方面，人们所想与所做可能存在差异。In a recent Charles Schwab study, most Americans said they believe it would be easier to save for retirement if they were single. But the study found that eighty-five percent of married people had started saving, while only two thirds of singles h
10、ad.嘉信理财集团最近做了一项研究，据称，大多数美国人认为如果自己单身的话，储蓄会更容易些。但研究还发现，85%的已婚人士已经开始储蓄，只有2/3的单身人士开始储蓄。Sande Taylor says younger people may seek short term goals.Sande Taylor说，年轻人会追求一些短期目标。SANDE TAYLOR: The younger individuals look at it and think, Well retirement is so far away, Id rather focus on my shorter term goal
11、s.Sande Taylor：“年轻人会这么想，退休还远着呢，我还是关注短期目标吧！”But she says there are big gains to be made by starting early and planning for the future.不过她说，早点规划未来会受益良多。SANDE TAYLOR: If you start in your twenties, you have the ability to actually contribute less per contribution, and achieve a higher longer term goal
12、because that money is compounding over a longer period of time.Sande Taylor：“20岁开始储蓄的话，你就可以付出少些，实现更高更长期的目标，因为钱是在较长的时间内升值的。”The important thing, says Sande Taylor, is to identify your retirement goals and lifestyle. That means realistically planning for how much you will spend. Ms. Taylor advises peo
13、ple to expect to have eighty-five percent of the expenses they had when they were working. And, she says, healthcare costs should be a major consideration.Sande Taylor说，确定自己的退休目标和生活方式很重要，这意味着实事求是计划未来的花费。Taylor建议人们设定退休时的花费是工作时的85%，医疗支出是个应重点考虑的问题。And thats the VOA Special English Economics Report. Im Mario Ritter.这里是美国之音慢速英语经济报道，我是Mario Ritter。