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華爾街出新招：免費(fèi)披薩鼓勵(lì)美國(guó)人儲(chǔ)蓄

Wall Street's plan to get people to save more money: Free pizza!

There’s a fight in Congress over a new rule that would save Americans an estimated $17 billion a year.

最近，美國(guó)國(guó)會(huì)正在為一項(xiàng)新規(guī)定吵得面紅耳赤。這項(xiàng)規(guī)定估計(jì)每年將為美國(guó)人節(jié)約170億美元。

The fiduciary rule would require brokers to act in the best interest of clients who are saving for retirement. Brokers would no longer be allowed to push their clients into high-fee funds just because the fund paid them.

這條信托規(guī)定，要求經(jīng)紀(jì)人的行為必須符合存儲(chǔ)退休金客戶的最大利益。經(jīng)紀(jì)人不能僅僅因?yàn)槭帐軋?bào)酬，就說(shuō)服客戶購(gòu)買高收費(fèi)基金。

The Obama administration thinks that Americans could save more for retirement if their brokers weren't allowed to rip them off. The Financial Services Roundtable, a lobbying organization representing banks that oppose the rule, disagrees. It argues that we can fix the problem of Americans not saving enough money if Americans start saving more money -- 10 percent of their income, to be specific.

奧巴馬政府認(rèn)為，如果禁止經(jīng)紀(jì)人剝削他們的客戶，美國(guó)人就能存儲(chǔ)更多的退休金。一家代表銀行的游說(shuō)機(jī)構(gòu)——美國(guó)金融服務(wù)圓桌組織(FSR)則表示反對(duì)。它認(rèn)為，如果美國(guó)人開始存款(具體的說(shuō)，是收入的10%)，存款不足的問(wèn)題就解決了。

That's an objective, not a policy. But never fear, the FSR has a plan to promote savings: Giving away free pizza to 100 people in Washington, D.C. The group handed out the free pies at an event last week promoting an initiative called "save-a-slice." You're supposed to "save a slice" of your income for retirement. Get it?

這是目標(biāo)，不是政策。但不用擔(dān)心，F(xiàn)SR還有一套鼓勵(lì)存款的政策：在華盛頓特區(qū)免費(fèi)給100個(gè)人發(fā)披薩。上周，這家組織就在“存一點(diǎn)”計(jì)劃的宣傳現(xiàn)場(chǎng)免費(fèi)發(fā)放了餡餅。你應(yīng)該為了退休后的生活，“存一點(diǎn)”你的收入。明白?

Or maybe you'd like enter a contest and win $10,000 from the FSR by submitting a video explaining how you plan to save 10 percent of your income.

要么你就參加FSR的比賽，拍一段視頻，說(shuō)說(shuō)你準(zhǔn)備怎么把10%的收入存起來(lái)。獎(jiǎng)金是1萬(wàn)刀!

"Don't want to spend your retirement eating cat food on toast, win $10,000," for creating a video about it, a promo for the contest intones.

“不想退休后就著面包吃貓糧?來(lái)贏取你的1萬(wàn)刀吧!”這是本次比賽的宣傳口號(hào)。

FSR does have some good ideas -- making retirement plans at companies that offer them automatically enroll employees, for example -- but its big idea is unrealistic. Middle-class incomes have fallen over thelast 15 years, so it's unlikely that regular people have more money to save. The American savings rate, currently just above 5 percent, hasn’t been at or above 10 percent for any sustained period in the last 35 years.

FSR有些想法確實(shí)不錯(cuò)——例如，企業(yè)制定退休計(jì)劃，從而自動(dòng)招收員工——但并不現(xiàn)實(shí)。中產(chǎn)階級(jí)的收入在過(guò)去15年內(nèi)降低了，因此普通人不可能有更多的錢要存。美國(guó)的存款利率目前才是5%多一點(diǎn)。過(guò)去35年里，從未穩(wěn)定在10%之上。

And telling Americans to save more for retirement while trying to stop a rule that would keep Americans saving for retirement from getting swindled by high-fee funds they don’t need is exactly the sort of conflicted advice that costs investors billions.

而告訴美國(guó)人多儲(chǔ)蓄退休金，卻不允許規(guī)則來(lái)防止他們被高收費(fèi)的基金詐騙，簡(jiǎn)直就是自相矛盾，最后來(lái)買單的還是投資者。

Vocabulary

rip off: 欺詐;剝削

intone: 起始短句

swindle: 詐騙;騙取