Workers Give Up Billions In Retirement Gains By Rolling Over Into Cash Holdings
Workers Give Up Billions In Retirement Gains By Rolling Over Into Cash Holdings
Workers often forego billions of dollars in gains that they could have made off their retirement plans.
工人们常常放弃了他们在养老计划中本来可以获得的数十亿美元的收益。
Why? They unknowingly roll their savings into cash holdings instead of new investments after they switch jobs.
为什么？他们在更换工作后，不知情地将他们的储蓄转入现金持有而不是新的投资中。
When a 401(k) balance from an old company's plan is rolled over into an individual retirement account (IRA), that money is usually held as cash until it is put into new investments held by the IRA.
将旧公司计划的401(k)余额转移到个人退休账户（IRA）时，这些钱通常会以现金的形式持有，直到被放入IRA持有的新投资中。
Almost a third of workers who rolled savings into IRAs at Vanguard Group in 2015 still had the balance sitting in cash seven years later, the New York Times reported.
据《纽约时报》报道，2015年将储蓄转入Vanguard Group的IRA的工人中，仍有近三分之一的余额坐在现金中七年后。
Americans with IRAs that hold a lot of cash forfeit more than $172 billion a year in retirement wealth that could have been made by investing in stocks and bonds, a Vanguard study estimates.
Vanguard的一项研究估计，持有大量现金的IRA的美国人每年会损失超过1720亿美元的退休财富，这些财富原本可以通过投资股票和债券来实现。
Also Read: 'Robbing Peter to Pay Paul' – Retirement Expert Says It's Absurd Taking Incentives From 401(k) Plans To Fund 'Flawed' Social Security
还阅读过：'罗宾•彼得付保罗'——退休专家表示，从401(k)计划中取激励金资助'有缺陷'的社会保障是荒谬的。
The error is common among younger workers who are used to their savings being automatically invested in company 401(k) plans. As a result, they run the risk of forsaking years of possible investment gains that compound over the years.
这种错误常见于年轻的工人，他们习惯于他们的储蓄被自动投资于公司401(k)计划中。因此，他们有可能放弃数年内将会随着年份复利的可能投资收益。
IRAs have $14.3 trillion in assets, versus $11.1 trillion in 401(k)-type plans, according to the Investment Company Institute, the fund industry's trade association.
根据基金行业协会投资公司协会的统计，IRA的资产总额为14.3万亿美元，而401(k)类似的计划则为11.1万亿美元。
Price Action: 401(k) plan administrators trended upward as of Tuesday's mid-afternoon trading. Automatic Data Processing, Inc. (NASDAQ ADP) edged up 0.12% to $248.28, while Fidelity Investments (NASDAQ:FFIDX) gained 1.54% to $91.05 and T. Rowe Price, Inc. (NASDAQ:TROW) moved up 1.22% to $117.39.
股票走势：截至周二下午交易，401(k)计划管理员整体趋势向上。纳斯达克自动数据处理公司（NASDAQ ADP）微涨0.12％至248.28美元，而富达投资（NASDAQ:FFIDX）上涨1.54％至91.05美元，普信集团股份有限公司（NASDAQ:TROW）上涨1.22％至117.39美元。
Exchange-traded funds that track ADP declined for the most part by Tuesday afternoon.
追踪ADP的交易所交易基金（ETF）在周二下午大多数下跌。
- WBI BullBear Quality 3000 ETF (NYSE:WBIL) picked up 0.48%.
- WBI BullBear Yield 3000 ETF (NYSE:WBIG) slipped 0.37%.
- WBI BullBear Value 3000 ETF (NYSE:WBIF) slid 0.10%.
- Madison Dividend Value ETF (NYSE:DIVL) declined 0.09%.
- WBI BullBear Quality 3000 ETF（NYSE:WBIL）上涨0.48%。
- WBI BullBear Yield 3000 ETF（NYSE:WBIG）下跌0.37%。
- WBI BullBear Value 3000 ETF（NYSE:WBIF）下跌0.10%。
- Madison Dividend Value ETF（NYSE:DIVL）下跌0.09％。
Read Now:
立即阅读：
- Top Economist Debunks Myth You Need $1.46 Million To Retire – Argues You Can Retire Comfortably With $100,000 Or Less
- 顶尖经济学家驳斥了需要146万美元才能退休的错误观念——并辩称你只需要100,000美元或更少就可以退休。
Image via Pexels/ RDNE Stock project
通过Pexels/ RDNE股票项目的图片。