美国的退休演习

伯克利—随着美国首波婴儿潮开始退休,退休制度的漏洞正在显现。一大半退休者(以及超过60%的低收入工人)面临缺少足够储蓄在停止工作后维持生活水平的风险。在最新的国际比较中,美国退休制度的得分只能打及格;但对于庞大且不断增长的美国人口数量来说,这个制度是不及格的。

大衰退以来的缓慢复苏加剧了挑战。住房时大部分美国人的主要退休资产,而尽管住房价格最近有所反弹,但仍比2006年的峰值水平低了28%,更有28%的屋主,他们的按揭额比所拥有的物业价值还要高。

自由裁量雇主退休计划是美国退休制度的一大主要支柱。但有近1600万美国人要么无人聘用,要么退出了劳动力大军,与此同时,复苏期间创造的工作岗位一大半属于低薪职位,通常并不提供退休计划。相反,在复苏期间减少的625 000个公共部门职位倒是提供慷慨的退休金。

To continue reading, please log in or enter your email address.

Registration is quick and easy and requires only your email address. If you already have an account with us, please log in. Or subscribe now for unlimited access.

required

Log in

http://prosyn.org/RL4iskE/zh;
  1. China corruption Isaac Lawrence/Getty Images

    The Next Battle in China’s War on Corruption

    • Chinese President Xi Jinping knows well the threat that corruption poses to the authority of the Communist Party of China and the state it controls. 
    • But moving beyond Xi's anti-corruption purge to build robust and lasting anti-graft institutions will not be easy, owing to enduring opportunities for bureaucratic capture.
  2. Italy unemployed demonstration SalvatoreEsposito/Barcroftimages / Barcroft Media via Getty Images

    Putting Europe’s Long-Term Unemployed Back to Work

    Across the European Union, millions of people who are willing and able to work have been unemployed for a year or longer, at great cost to social cohesion and political stability. If the EU is serious about stopping the rise of populism, it will need to do more to ensure that labor markets are working for everyone.

  3. Latin America market Federico Parra/Getty Images

    A Belt and Road for the Americas?

    In a time of global uncertainty, a vision of “made in the Americas” prosperity provides a unifying agenda for the continent. If implemented, the US could reassert its historical leadership among a group of countries that share its fundamental values, as well as an interest in inclusive economic growth and rising living standards.

  4. Startup office Mladlen Antonov/Getty Images

    How Best to Promote Research and Development

    Clearly, there is something appealing about a start-up-based innovation strategy: it feels democratic, accessible, and so California. But it is definitely not the only way to boost research and development, or even the main way, and it is certainly not the way most major innovations in the US came about during the twentieth century.

  5. Trump Trade speech Bill Pugliano/Getty Images .

    Preparing for the Trump Trade Wars

    In the first 11 months of his presidency, Donald Trump has failed to back up his words – or tweets – with action on a variety of fronts. But the rest of the world's governments, and particularly those in Asia and Europe, would be mistaken to assume that he won't follow through on his promised "America First" trade agenda.