豆知识 2011-10-30&11-05 退休储蓄

One day, we all want to retire. After working for most of our lives, we imagine a time when we can stop working, and have choices in how we spend our time. Because we’re all living longer than ever before, it’s going to take even more money to support our retirement¹. The secret to a financially secure retirement is to start saving now. This is Saving for Retirement in Plain English. 

 

 

 

Let’s meet two retirees make our first point. This is Simon. He and his wife worked hard to support their family and now they’re retired². They are happy, but feel insecure about money. An unexpected expense could put them in debt. To help, Simon has a part-time job at a hardware store. He’d prefer to be fishing or playing with his grandkids, but he doesn’t have a choice. 

 

 

 

Next, let’s meet Caroline. Like Simon, she and her husband worked to support their family and now they’re retired. They live a relatively³ carefree life. They travel, spend a lot of time with family, and don't worry too much about money. 

 

 

 

Both Simon and Caroline have a long life ahead of them, but Caroline and her husband learned early in life that saving a little bit of money over a long time can make sure that they retire comfortably. This wasn’t the case for Simon and his wife. They started saving too late. 

 

 

 

To retire like Caroline, the first step is understanding how to save for retirement. The basic idea is to start saving now and save as much as possible over a long term. To start, you’ll need a place to save it. It’s usually called a retirement account and two examples are 401Ks and IRAs. Many employers offer a 401K program, or you can open an IRA yourself. Once you have an account, you add a little bit of your income to it on a regular basis, so the money you contribute over the years plus what it earns creates a fund, that’s ready to support your retirement. These accounts are meant for a lifetime of savings⁴, so don't plan on touching⁵ it until retirement. 

 

 

To get an account started, you’ll work with a representative to decide on an amount that you can contribute to the account with each paycheck. This way you don't have to think about it. Your retirement account grows automatically as long as you have income. And some employers even offer to contribute to your account too. That's free retirement money that will buy a lot of maitais. And remember, you have to pay tax on your income. By contributing part of your income to a retirement account, there’s less income that’s taxable with each paycheck.

 

 

The money in these accounts is usually invested in the stock market like a normal investment, but retirement accounts are different. Here’s why. When you invest in stocks normally, they hopefully grow in value. Each year, you have to pay taxes on the money as it grows. That’s tax money that could be making you more money. Retirement accounts are designed to protect you from having to pay taxes on your money as it grows year after year. This way, your money can grow faster over the long term. Of course, you’ll still have to pay taxes, but most retirement accounts make it possible to delay paying taxes until you withdraw the money. But even considering these taxes, you’ve been able to build a fund that will support a long and comfortable retirement.

1 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

2 retired   

adj.隐退的，退休的，退役的

参考例句：

• The old man retired to the country for rest.这位老人下乡休息去了。
• Many retired people take up gardening as a hobby.许多退休的人都以从事园艺为嗜好。

3 relatively   

adv.比较...地，相对地

参考例句：

• The rabbit is a relatively recent introduction in Australia.兔子是相对较新引入澳大利亚的物种。
• The operation was relatively painless.手术相对来说不痛。

4 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

5 touching   

adj.动人的，使人感伤的

参考例句：

• It was a touching sight.这是一幅动人的景象。
• His letter was touching.他的信很感人。