Nearly half of the United States family pension savings social security funding gap-yuanmu

Nearly half of the United States family pension funds without social security funding gap huge Sina fund exposure platform: letter Phi lags behind false propaganda, long-term performance is lower than similar products, how to buy a fund pit? Click [I want to complain], Sina help you expose them! Nearly half of family pension savings pension deficit is now a huge beauty Li Liding Ying Xing 54 year old Joe · Johnson (JoJohnson) is a digital media project manager in Philadelphia. In addition to the employer’s pension for her, she will come up with 13 of the income every two weeks, into retirement accounts. For her, it is forced to do so. Due to the frequent change of the work, the payment of pensions on account of the amount is not always satisfactory. So 3 years ago, she began to save money, to pay their own pension. Although Johnson’s husband engaged in consulting occupation, two of the income is considerable, but she admitted that the account number is the result of these years and still put all sorts of things together, struggling to catch up. The real black hole: Zero savings referred to the U.S. pension crisis, industry insiders tend to focus on the negative impact of bond yields, the decline in the expected decline in investment returns, etc.. But Baode financial group asset management department director David · Hunter (DavidHunt) believes that the real crisis is not on the investment level, but because of the huge hidden dangers caused by the huge savings of pension funds. He believes that this is the real pension black hole, this group is the weakest link in American society. In the era of American pension system, people tend to work in the same company all their lives, and even stick to the same job. But today, unemployment, part-time, etc. choose to make money has become a social norm. Pay off pension is also becoming increasingly common phenomenon. Even a lot of Americans didn’t exist, for the future social pension crisis undoing. According to data released by the National Institute for retirement protection (NIRS), in 2013, nearly 40 million of the United States working families do not have any retirement savings. Whether it is paid by the employer in 401 (k) plan, or individual voluntary investment in individual retirement accounts (IRA), which accounted for 45% of the working age families, but there are half of households aged between 45~65 years old, for many people, is in the eyes of retirement. Although the proportion of young people to open a retirement savings account is relatively low, but the most influential is the level of income. The NIRS report shows that the median household income of a retirement account is $86 thousand, and that is no more than 2.4 times that of a retirement account. According to the current social security funding gap is huge proportion, the social security amount of income before 35% for ordinary family retirement, are stretched for most retirees, especially in the absence of other savings can be made on the case. The industry is generally estimated that after retirement income to maintain pre retirement income in the 85% or so, in order to maintain the basic life level. Hunter pointed out that by the theory相关的主题文章: