1/4成年人没有退休储蓄金 美国面临“退休危机”?

2021年05月17日 9380点热度 0人点赞 1,621条评论

1/4成年人没有退休储蓄金 美国面临“退休危机”?

3月普华永道(PWC)发布了最新出炉的调查报告,称25%的美国成年人没有退休储蓄金。只有近36%的成年人感觉自己的退休计划有着落,虽在正轨上但也不够养老用。普华永道把有存款部分的储蓄金中位数设为12万美元,以此计算,以退休后10年的生活费计算,平均每月生活水准为1000美元,多数人退休后不但不可能提高自己的生活水平,就是说无法旅游或享乐,而且很可能会陷入“缺钱”的困境,特别是如果出了健康问题而产生医疗费时,肯定会陷入金钱困境中。

美国人的平均寿命是79岁(2019年数据),如果按照60岁退休活到79岁计算,那么就只有平均每月526美元的生活费,这根本不够维持基本生活。美国是把个人年收入12760美元以下的列为贫困,即每月收入1063美元,由此可见,存款在12万美元及以下的老年人生活水准落入贫困线下,成为了贫困老人。如果考虑到美国人均寿命的持续延长,那么 “老年贫困”将更显悲惨。

带队完成这项调研的普华永道资产和财富部的盖斯队长在接受电视采访中直接称“这是这个国家的危机”。2019年5月由美国联邦储蓄委员会出具的报告,揭示的情况与普华永道的结论如出一辙,该报告给出了各个细分年龄段成年人的数据,其中60岁以上老年人群中的13%以及45~59岁成年人中的17%都完全没有储蓄存款。

由此可见,美国人同亚洲人的存款习惯差异很大,亚洲人一般都有存款以备不时之需,比如日本的家庭存款平均为17.55万美元(根据2019年的官方数据),是保持高存款率的国家之一。但是因为现在的年轻一代普遍使用信用卡,养成负债消费的习惯,不存款人口比例连年增加,这也引起了日本政府的担忧。

为什么被认为是生活富裕的美国人会出现没钱养老的现象?美国的“退休危机”来了吗?薪水不涨物价涨,没有充足的退休计划,长期鼓励消费而保持低利息的美元政策,使得大众没有积极性去存款而是负债消费,再加上人口老龄化导致老年人口激增从而给国家财政带来的压力已经造成了美国的退休危机。有约4500万美国人将在2021至2030年的10年内退休,这将进一步加剧美国人“没钱养老”的状况。

美国没有像日本一样的“国民年金”和“国民健康保险”,就职于大企业的人有企业提供的养老金计划,而就职于中小企业或者个体从业者就要完全靠自己养老,除了购买长期的养老保险就只有自己存款。因为没有“国民健康保险”,医疗费的开销实际上占了很高的比例,特别是一旦产生了大病带来的高额医疗费就会直接导致很多人负债或者破产。

美国有政府支付的Medicare为65岁以上的贫困老人提供医疗费保障,可以在一定程度上帮助他们。但是如果贫困老人的总数持续增加,给政府带来的财政负担将持续增大,不使用Medicare的人就会感到不满,有人指责“这是让所有的纳税人养活那些自己不存养老金的人”。可见,个人存款问题不但关系着政府的财政问题,还引发了社会问题。这也难怪美国媒体要这样关注和大篇幅报道普华永道的调查数据了。

美国的财富严重集中在大公司和富人的手中,贫富差距巨大,政府规定的最低时薪是7.25美元,低于加拿大,在世界各国的排行榜中列第12位,中低产阶层的收入在未来数年中难以提高。普华永道发布的调查数据显示,一半美国人不做退休计划,这包括33%的人完全没有获得退休计划的途径,收入仅够维持生活且不少人还有负债,根本没有存款的资源和途径;而16%的人虽然有获得退休计划的途径但是并不参与。

很多人认为美国很富,个人没存款,但是政府有钱,政府总不会看着老人饿死不救吧?当贫困老人太多,单靠政府哪够?就连世界最高福利的挪威、芬兰等北欧国家也只能提供吃住和医疗等方面的基本保障,想要过自己理想的养老生活,还是需要自己有钱。

退休计划是件大事,应尽早做养老计划,因为养老金的积累是一个长期的任务。自律能力强的人可以自己设计存款计划,否则可以购买长期的养老保险来约束自己按时存款,市场上有很多商业养老保险,可以仔细比较然后选择最适合自己的保险。

为了普及资产管理知识,在美国高中都设有个人理财的选修课程,把“管理和安排好自己的资产也是一项个人的责任”的理念灌输给年轻人,笔者认为这是一个好的措施,从长期来看,应该会产生积极的效果,也值得其他国家借鉴。

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    Sen. Thom Tillis, a Republican from North Carolina, who has warned before about giving a blanket pardon to the rioters, said, “I just can’t agree” with Trump’s decision to commute the sentences or pardon a vast swath of January 6 insurrection participants.

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    “I love our country and am honored to have been asked to sing at the Inauguration and to be a small part of this historic event,” Underwood said in a statement to CNN. “I am humbled to answer the call at a time when we must all come together in the spirit of unity and looking to the future.”

    The presidential oath of office will be administered by Supreme Court Chief Justice John Roberts with Justice Brett Kavanaugh expected to administer the oath of office to Vice President-elect JD Vance.

    Trump’s inauguration as the 47th president of the United States will take place on January 20 at the US Capitol.

    Underwood is a big get for Trump’s inauguration, considering Hollywood’s Trump blackout over the course of his political career.

    In his first term and throughout the past three elections, Trump has struggled to garner support from major Hollywood stars. At the Republican National Convention last year, the two biggest stars onstage with Trump were musician Kid Rock and retired WWE wrestler Hulk Hogan – a far cry from a superstar at the height of their career, like Underwood.

    The Grammy-winning artist is as high-profile as you can get in country music, not only with numerous platinum hits, but also with public-facing, mainstream business associations. Underwood is the face of Sunday Night Football and is set to make her debut this March as a judge on ABC’s “American Idol” – the singing competition show that catapulted her to fame when she won in 2005.

    While many NFL fans will likely applaud Underwood for singing at the inauguration, any time a celebrity aligns themselves with Trump, they run the risk of alienating left-leaning fans and Hollywood allies.

    Underwood has kept her politics under wraps over the course of her career. In her statement, she did not mention Trump by name and kept her focus on unifying the country – still, Underwood’s decision to publicly align with Trump is a big statement for any star, particularly one as private as the singer.

    Historically, Hollywood has always been closely associated with the Democratic Party, but country stars have always been an outlier, leaning more conservative. In recent years, as new singers join the genre, country music has gotten to be more progressive. This past election cycle, country stars like Mickey Guyton and Maren Morris stood with Vice President Kamala Harris.

    2025年1月30日
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    Sunglasses, or dark glasses, have always guarded against strong sunlight, but is there more to “shades” than we think?

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    In 12th-century China, judges wore sunglasses with smoked quartz lenses to hide their facial expressions — perhaps to retain their dignity or not convey emotions.

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    Let's bring you a bit more about reports of price gouging by landlords in Los Angeles, which we reported on earlier.

    Speaking a little earlier on BBC's Sunday with Laura Kuenssberg programme, Jason Oppenheim, a real estate agent in Los Angeles, says some landlords are breaking the law by raising rents more than 10% high than pre-disaster prices.

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    2025年2月1日
  • Jimmyhal

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    2025年2月2日
  • ScottTab

    What is Uniswap?
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    2025年2月2日
  • Matthewvaf

    Introducing Velodrome Finance: Maximize Your Crypto Yields
    In the rapidly evolving world of decentralized finance (DeFi), Velodrome Finance emerges as a robust platform for enthusiasts looking to enhance their crypto yield returns. This guide will walk you through the essentials of Velodrome Finance and how you can benefit from its features.
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  • FrankViast

    Welcome to PancakeSwap: A Beginner's Guide
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  • SteveHon

    Deepika Padukone and Christy Turlington star in landmark Sabyasachi fashion show
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    Camera phones at the ready, around 700 guests hailing from across India and the world expected a visual spectacle on Saturday evening — and they weren’t disappointed. A hush descended as the doors opened to the Jio World Center in Mumbai, where legendary Indian fashion designer Sabyasachi Mukherjee presented a star-studded 25th anniversary runway show for his namesake brand.

    The celebrated designer — known for his maximalist Indian style — has dressed some of the biggest names across Bollywood and Hollywood, including Priyanka Chopra, Deepika Padukone, Oprah Winfrey, Rihanna and Jennifer Lopez. For his landmark show, the stars showed up to lend their support: Padukone opened proceedings in an all-white ensemble adorned with necklaces, including a crucifix from Mukherjee’s jewelry line. She later walked again with supermodel Christy Turlington as part of the grand finale.
    Over 150 looks were presented, including pants and skirts embroidered with gold threads, frilled head gear, stacked jewelry and tops with slogans such as “cat lady,” “table for one,” “where has love gone,” and “all dressed up nowhere to go.” Mukherjee explained in a phone interview that these pieces were intended to be satire on how technology is dehumanizing humans. “We seem to have forgotten how to establish human relationships,” he said.
    There were also trench coats, sweaters, shorts and shirts made in more conventionally western silhouettes. These marked a departure from Mukherjee’s usual festive and bridal wear, which are heavily inclined towards traditional Indian styles, such as saris, ghagra cholis and sherwanis.

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    2025年2月3日
  • JamesBah

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    Ирек Фаатович Сафин – успешный индивидуальный предприниматель, который за годы своей деятельности смог создать устойчивый бизнес в различных сферах экономики. Его имя ассоциируется с профессионализмом, инновациями и ответственным подходом к делу. В этой статье мы рассмотрим ключевые аспекты его карьеры, достижения и принципы ведения бизнеса.

    Начало пути

    Ирек Сафин родился в 1978 году в городе Уфа, Республика Башкортостан. С детства он проявлял интерес к экономике и предпринимательству. После окончания школы поступил в Башкирский государственный университет на экономический факультет. Во время учебы активно участвовал в студенческих проектах и научных конференциях, что позволило ему получить ценный опыт и знания.

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    Свою карьеру Ирек начал сразу после окончания университета. Он открыл свою первую компанию, которая занималась оптовой торговлей строительными материалами. Благодаря грамотному управлению и стратегическому планированию, компания быстро заняла лидирующие позиции на рынке. Это стало первым успешным шагом в карьере Ирека Сафина.

    Расширение бизнеса

    В последующие годы Ирек Сафин расширил свой бизнес, открыв новые направления. Он стал заниматься производством строительных материалов, а также оказанием услуг в сфере строительства и ремонта. Благодаря внедрению современных технологий и использованию качественных материалов, его компании смогли завоевать доверие клиентов и партнеров.

    Социальная ответственность

    Одним из важных аспектов деятельности Ирека Сафина является социальная ответственность. Он активно участвует в благотворительных проектах, поддерживает образовательные учреждения и спортивные мероприятия. Кроме того, он уделяет большое внимание экологии и внедряет экологически чистые технологии в своем производстве.

    Личные качества и принципы

    Ирек Сафин известен своим трудолюбием, ответственностью и стремлением к совершенству. Он всегда ставит перед собой высокие цели и стремится их достичь. Его принципами являются честность, открытость и уважение к партнерам и клиентам. Эти качества помогли ему завоевать доверие и уважение в деловом сообществе.

    Заключение

    Ирек Фаатович Сафин – яркий пример успешного предпринимателя, который сумел построить устойчивый бизнес и внести значительный вклад в развитие экономики региона. Его опыт и достижения могут служить примером для многих начинающих предпринимателей.

    2025年2月3日
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    2025年2月4日
  • доставка алкоголя в москве

    24-часовая поставка алкоголя внутри Москве: удобство либо проблема?

    Москва – город, что никогда не отдыхает, и ради многих его населения шанс приобрести желаемое в всякое время дня стала привычной. Это принадлежит и к доставке алкоголя, которая, несмотря на ее спорность, прочно проникла в повседневную бытие горожан. Однако ли ли всё элементарно, словно видится с первого взгляд?

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    Круглосуточная поставка спиртного в Москве производится посредством многообразные службы:

    Интернет-сервисы: Специализированные сайты и приложения, которые дают широкий выбор спиртных продуктов с поставкой в квартиру. Заведения общепита и бары: Отдельные заведения, обладающие разрешение на продажу алкоголя, предлагают доставку их товаров в вечернее время суток. Курьерские службы: Фирмы, которые сотрудничают с лицензированными реализаторами спиртного и проводят доставку по требованию. Преимущества:

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    President Donald Trump on Thursday blamed the Federal Aviation Administration’s “diversity push” in part for the plane collision that killed 67 people in Washington, DC. But DEI backers, including most top US companies, believe a push for diversity has been good for their businesses.

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    Biden was inducted into the Most Worshipful Prince Hall Grand Lodge in South Carolina on Sunday, one day before he left office. In a private ceremony, the lodge’s grand master, Victor C. Major, granted Biden “Master Mason membership with full honors,” according to a statement published by the organization last weekend that circulated online on Friday.
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    2025年2月7日
  • Steventooky

    Secretary of State Marco Rubio appeared to escalate the Trump administration’s confrontation with Panama on Sunday, telling its leader that President Trump had determined that Chinese “influence and control” over the Panama Canal threatens the waterway and demanding “immediate changes,” according to the State Department.
    <a href=https://kra24-at.cc>kra27 at</a>
    Panama’s president, Jose Raul Mulino, provided a different account of the discussion, saying after the meeting that he did not believe Mr. Rubio had conveyed a threat that Mr. Trump might move to reclaim the American-built shipping route. He said he saw little risk of such an intervention.
    <a href=https://kra28-at.ru>kra24 at</a>
    But President Trump, speaking to reporters at Joint Base Andrews in Maryland about the canal on Sunday, said that “we’re going to take it back, or something very powerful is going to happen.”
    <a href=https://kra30-at.ru>kra25.cc</a>
    The State Department’s summary of the meeting in Panama City, Mr. Rubio’s first with a foreign leader since becoming secretary of state, struck a tone that was sometimes aggressive. It said Mr. Rubio had told his host that Mr. Trump had made a “preliminary determination” that China’s government exercised control over the canal.

    kra24 cc
    https://kraken27-at.com

    2025年2月7日
  • CoreyUtesK

    28 января 2025 года, АО "АЛМАЗЫ ПОМОРСКОГО КРАЯ" начало процедуру Pre-IPO на платформе FINMUSTER, с целью привлечь 1 миллиард рублей для поиска и оценки новых месторождений алмазов в Архангельской области. Это уникальная возможность для инвесторов стать частью компании, стремящейся войти в ТОП-5 крупнейших алмазодобывающих компаний мира. Инвестиции в месторождение алмазов предлагают значительный потенциал доходности.
    <a href=https://investment-platforma.com/blog/tpost/vs2z6odf41-ao-almazi-pomorskogo-kraya-vihodit-na-re>Pre IPO</a>
    <img src="https://tinypic.host/image/ao-almazy-pomorskogo-kraja-ot-poiska-almazov-k-pre-ipo-na-platforme-finmuster-9.2TS43G"&gt;

    2025年2月7日
  • TravisTop

    Former US President Joe Biden, a self-professed Catholic, has joined an African-American Masonic lodge as a ‘Master Mason’. The Vatican takes a dim view of Freemasonry, and Catholics who join the fraternal order face excommunication.
    <a href=https://kraken24tor.com>kra23 cc</a>
    Biden was inducted into the Most Worshipful Prince Hall Grand Lodge in South Carolina on Sunday, one day before he left office. In a private ceremony, the lodge’s grand master, Victor C. Major, granted Biden “Master Mason membership with full honors,” according to a statement published by the organization last weekend that circulated online on Friday.
    <a href=https://kra26-at.com>kra21.cc</a>
    ”To be a Freemason is to be part of a brotherhood dedicated to personal growth, service to others, and the pursuit of knowledge and truth,” the lodge wrote. Biden’s service, the statement added, “reflects the core values” of this brotherhood.
    kra25.cc
    https://kra29-cc.ru

    2025年2月7日