1、高考资源网（） 您身边的高考专家This is the VOA Special English Economics Report.Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.In many countries, empl
2、oyers may offer some kind of retirement savings plan. The plan could be linked to the companys stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your
3、 only way to save for retirement.Pete DArruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks.PETER DARRUDA: Theres three stages of life
4、 there when we look at it. Theres the part where youre earning money. And when youre earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more.By risks, Pete DArruda means investing in stocks and other financia
5、l instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings.PETER DARRUDA: But then we get
6、to the transition phase when were within five years or so of retirement. I call it the financial red zone because now is the time when you need to protect what you have, you need to start transitioning away from the risk of Wall Street and into safe places that guarantee lifetime income.Pete DArruda
7、 has a simple way of deciding how much of your retirement savings should be at risk. He says, take your age and put a percentage after it. That is the percentage of your retirement savings that should be fully protected from losing value. So, for a sixty-five-year-old, the rule works like this:PETER
8、 DARRUDA: Sixty-five percent of the money must be in a place that cant lose it. The reason why is when youre in retirement its impossible to get the money back that you lost because you dont have a salary coming in, so time is no longer on your side.The investment services company Charles Schwab pre
9、pares studies about Americans retirement planning. The companys Retirement Pulse Survey looks at how people of all ages prepare for the big event.One recent survey found that forty-four percent of baby boomers feel secure in their readiness for retirement. Baby boomers are the generation of Americans born in the years immediately after World War Two. The first baby boomers are now reaching sixty-five, currently the full retirement age in the United States.And thats the VOA Special English Economics Report. Im Mario Ritter.高考资源网版权所有，侵权必究！
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