Nearly half of American families zero savings for the future pension crisis buried seeds icesword

Nearly half of American families zero savings for the future pension crisis buried seeds 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 under the age of 45 to 65 years old, for many people, retirement is in sight. 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 due to the social security subsidies is limited, more and more Americans rely on 401 (k) plan. At the moment, people are changing jobs frequently, making the problem worse. Social security in the United States is not only faced with great uncertainty, but also the social divide. At the beginning of the establishment of the social security system, the average age of pensioners in the United States is less than 13 years. Now, this one相关的主题文章: