未来退休计划不要依赖社会保障

Your retirement years won’t be very golden if they’re primarily funded by Social Security.

如果你的退休生活主要由社会保障基金资助，那么你的退休生活就不会很美好。

That’s what retirement plan advisers are telling clients, warning that they need substantial private savings to augment Social Security income, which averages only about $17,500 annually.

这就是退休计划顾问告诉客户的，他们建议客户用大量的私人储蓄来增加老年收入，因为社保收入平均每年只有17,500美元左右。

A Heritage Foundation study found Social Security’s rate of return of 1.25 percent is “vastly inferior” to what retirees receive from most private investments.

美国传统基金会的一项研究发现，社会保险1.25%的回报率“远远低于”退休人员从大多数私人投资中获得的回报率。

The long-term annual return of the stock market, as measured by the S&P 500, is about 10 percent.

以标准普尔500指数衡量，股市的长期年回报率约为10%。

However, many don’t or didn’t. Among “elderly Social Security beneficiaries, 21 percent of married couples and 44 percent of unmarried persons rely on Social Security for 90 percent or more of their income,” the Social Security Administration says.

然而，许多人没有这个计划或从没这么做过。在“老年社会保障受益人”中，21%的已婚夫妇和44%的未婚人士依靠社会保障获得90%或更多的收入，社会保障局说。

“Some 63 percent of Americans are unprotected for retirement, meaning they have no source of protected lifetime income — such as a pension or an annuity — other than Social Security,” according to an Alliance for Lifetime Income study.

“大约63%的美国人没有退休保障，这意味着他们除了社会保障之外，没有任何其他终身保障收入来源，比如养老金或年金。”

Social Security is difficult to incorporate into a plan, as it has been cut and may be again.

社会保障很难纳入一项计划，因为它已经被削减，而且可能再次被削减。

“Today’s report,” the Social Security trustees wrote in the latest annual report, “shows that, as a whole, Social Security is fully funded until 2034, and after that it is three-quarters financed.”

“最新报告，”社保受托人在最新的年度报告中写道，“从整体上看，社保资金在2034年之前是完全到位的，在那之后，有四分之三的资金是到位的。”

That means cuts are possible in 15 years.

这意味着在15年内削减社保开支是可能的。