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      25%的美國人因通貨膨脹推遲退休

      25%的美國人因通貨膨脹推遲退休

      TRISTAN BOVE 2022-06-07
      即將退休的美國老年人正感受到價格上漲帶來的壓力。

      美國正應對40年來最嚴重的通貨膨脹浪潮之一,物價上漲迫使許多美國人重新考慮他們的預算。

      在燃料、食品和住房價格飆升的帶動下,美國目前的通貨膨脹率為8.3%。汽油價格目前平均每加侖4.67美元,迫使許多美國人調整他們的消費習慣,并做出重大的生活方式選擇,以應對不斷上漲的價格。對于一些人來說,通貨膨脹正沖擊所有人最大的生活方式選擇之一:是否選擇退休。

      根據滿銀夏理斯銀行(BMO Harris Bank)的一份新報告,隨著通貨膨脹迫使越來越多的美國人動用他們的儲蓄賬戶,有25%的工作者正在延遲退休,該報告發現,36%的美國人的儲蓄已經受到通貨膨脹的沖擊。

      滿銀夏理斯銀行消費者策略主管保羅·迪爾達(Paul Dilda)在公司聲明中表示:"在這種通貨膨脹環境下,消費者必須換個角度思考他們的財務狀況?!?/p>

      美國年輕人和千禧一代的儲蓄較少,更有可能購買房屋或汽車等大件物品,這讓他們處于通貨膨脹斗爭的前線。但年輕人購買的最大件物品是他們的黃金歲月。

      滿銀夏理斯銀行的新報告發現,即將退休的美國老年人正感受到價格上漲帶來的壓力,這改寫了個人理財規劃和預算的規則。

      接近退休年齡的消費者表示,他們現在減少外出就餐,減少購物,減少開車頻率。

      對于許多渴望退休的人來說,自從今年早些時候物價開始飆升以來,這種情況已經持續數月,有明顯跡象表明情況將變得更糟糕。根據全美互惠保險公司(Nationwide Insurance)在3月進行的一項調查,約有十分之一接近退休年齡的X一代或嬰兒潮一代已經延遲退休,或正在認真考慮這樣做。

      長期以來,通貨膨脹一直是即將退休的人擔憂的一個問題,許多人開始認為退休后可以舒適地生活的夢想越來越遙不可及。

      根據資產管理公司施羅德集團(Schroders)的一項調查,今年只有22%的美國人認為他們有足夠的儲蓄,可以過上舒適的退休生活,低于去年的26%。該調查是在2月份進行的,當時美聯儲開始加息以對抗通脹。

      根據施羅德集團的調查,超過一半的受訪者表示,他們預計到退休時擁有的儲蓄不到50萬美元,遠低于接受調查的人所說的理想退休資金的平均水平110萬美元。當時滿懷希望的退休人員主要擔憂:通貨膨脹將繼續上升,股市最終可能會收縮,他們會損失更多資產。

      對通脹的擔憂或多或少是正確的,而股市也于事無補。在經歷了2021年從早期的新冠肺炎疫情低迷中強勁反彈之后,三大股指——標準普爾500指數、納斯達克指數和道瓊斯工業平均指數——似乎都進入熊市區域,從年初開始分別下跌14%、24%和11%。(財富中文網)

      譯者:中慧言-王芳

      美國正應對40年來最嚴重的通貨膨脹浪潮之一,物價上漲迫使許多美國人重新考慮他們的預算。

      在燃料、食品和住房價格飆升的帶動下,美國目前的通貨膨脹率為8.3%。汽油價格目前平均每加侖4.67美元,迫使許多美國人調整他們的消費習慣,并做出重大的生活方式選擇,以應對不斷上漲的價格。對于一些人來說,通貨膨脹正沖擊所有人最大的生活方式選擇之一:是否選擇退休。

      根據滿銀夏理斯銀行(BMO Harris Bank)的一份新報告,隨著通貨膨脹迫使越來越多的美國人動用他們的儲蓄賬戶,有25%的工作者正在延遲退休,該報告發現,36%的美國人的儲蓄已經受到通貨膨脹的沖擊。

      滿銀夏理斯銀行消費者策略主管保羅·迪爾達(Paul Dilda)在公司聲明中表示:"在這種通貨膨脹環境下,消費者必須換個角度思考他們的財務狀況?!?/p>

      美國年輕人和千禧一代的儲蓄較少,更有可能購買房屋或汽車等大件物品,這讓他們處于通貨膨脹斗爭的前線。但年輕人購買的最大件物品是他們的黃金歲月。

      滿銀夏理斯銀行的新報告發現,即將退休的美國老年人正感受到價格上漲帶來的壓力,這改寫了個人理財規劃和預算的規則。

      接近退休年齡的消費者表示,他們現在減少外出就餐,減少購物,減少開車頻率。

      對于許多渴望退休的人來說,自從今年早些時候物價開始飆升以來,這種情況已經持續數月,有明顯跡象表明情況將變得更糟糕。根據全美互惠保險公司(Nationwide Insurance)在3月進行的一項調查,約有十分之一接近退休年齡的X一代或嬰兒潮一代已經延遲退休,或正在認真考慮這樣做。

      長期以來,通貨膨脹一直是即將退休的人擔憂的一個問題,許多人開始認為退休后可以舒適地生活的夢想越來越遙不可及。

      根據資產管理公司施羅德集團(Schroders)的一項調查,今年只有22%的美國人認為他們有足夠的儲蓄,可以過上舒適的退休生活,低于去年的26%。該調查是在2月份進行的,當時美聯儲開始加息以對抗通脹。

      根據施羅德集團的調查,超過一半的受訪者表示,他們預計到退休時擁有的儲蓄不到50萬美元,遠低于接受調查的人所說的理想退休資金的平均水平110萬美元。當時滿懷希望的退休人員主要擔憂:通貨膨脹將繼續上升,股市最終可能會收縮,他們會損失更多資產。

      對通脹的擔憂或多或少是正確的,而股市也于事無補。在經歷了2021年從早期的新冠肺炎疫情低迷中強勁反彈之后,三大股指——標準普爾500指數、納斯達克指數和道瓊斯工業平均指數——似乎都進入熊市區域,從年初開始分別下跌14%、24%和11%。(財富中文網)

      譯者:中慧言-王芳

      Higher prices are forcing many Americans to reconsider their budgets, as the country deals with one of its worst inflationary waves in 40 years.

      Inflation in the U.S. is currently sitting at 8.3%, led by price surges for fuel, food, and housing. Gas prices alone are currently averaging $4.67 a gallon, forcing many Americans to adjust their spending habits and make big lifestyle choices to cope with rising prices. For some, it’s hitting one of the biggest lifestyle choices of all: retirement.

      A full quarter of workers are now postponing their retirement as inflation forces more and more Americans to dip into their savings accounts, according to a new report by BMO Harris Bank, which found that 36% of Americans have already seen their savings hit by inflation.

      “Consumers must think differently about their finances in this inflationary environment,” Paul Dilda, head of consumer strategy for BMO Harris Bank, said in a company statement.

      Younger Americans and millennials have fewer savings and are more likely to buy big-ticket items such as a home or a car, putting them on the front lines of the inflation battle. But the biggest purchase of all is your golden years.

      The new report by BMO Harris found that older Americans on the verge of retirement are feeling the crunch of higher prices, which have rewritten the rules of personal finance planning and budgeting.

      Consumers nearing retirement age say they are now dining out less, cutting back on shopping, and driving their cars less frequently.

      For many aspiring retirees, the writing has been on the wall for months, ever since prices began surging earlier this year. Around one in 10 Gen Xers or baby boomers who were nearing retirement age had already delayed leaving the workforce or were seriously considering doing so, according to a March survey conducted by Nationwide Insurance.

      Inflation has long been a source of concern among potential retirees, and many are beginning to consider the dream of a comfortable retirement increasingly unreachable.

      Only 22% of Americans this year feel like they have enough saved for a comfortable retirement, down from 26% last year, according to a survey by asset management firm Schroders. The survey was conducted in February, before the Federal Reserve began raising interest rates to combat inflation.

      More than half of the respondents in the Schroders survey said that they expected to have less than $500,000 in savings by the time they retired, well below the average $1.1 million people surveyed said was an ideal retirement fund. The main concerns among hopeful retirees at the time were that inflation would continue to rise and the stock market might eventually contract and wipe out more of their assets.

      The fears over inflation have more or less held true, and the stock market isn’t helping matters. After a strong 2021 rebounding from the early pandemic downturn, all three major stock indexes—the S&P 500, Nasdaq, and the Dow Jones industrial average—appear to be entering bear market territory, down 14%, 24%, and 11%, respectively, from the beginning of the year.

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