Retirement Confidence Rises As Inflation, Household Concerns Ease: Charles Schwab Survey Shows Workers Need To Save Up This Amount
Retirement Confidence Rises As Inflation, Household Concerns Ease: Charles Schwab Survey Shows Workers Need To Save Up This Amount
Economic sentiment has improved among workers even as the labor market sends mixed signals.
尽管劳动市场发出了混合信号，但工人对经济信心有所提高。
What Happened: According to a Charles Schwab study, anxiety surrounding inflation and market volatility have, to a small extent, subsided in the past year.
据嘉信理财的一项研究显示，对于通货膨胀和市场波动引发的担忧在过去一年中略有缓解。
Of the 1,000 U.S. 401(k) plan participants surveyed, the percentage of workers viewing inflation as an obstacle to retirement fell from 62% to 58% in 2024.
在接受调查的1000名美国401(k)参与者中，认为通货膨胀是退休的障碍的工人的比例从62％下降到58％。
Respondents who listed market volatility as a significant obstacle fell from 42% to 36% over the past year.
将市场波动列为重要障碍的受访者在过去一年中从42％下降到36％。
How Much Should You Save?
你应该存多少钱？
Workers believe they need to save $1.8 million for retirement — the same as in 2023. On average, they expect their retirement funds to last 23 years after an age 65 retirement.
工人们认为他们需要存180万美元的养老金，这与2023年相同。他们平均预计退休后23年，退休年龄为65岁。
Lee McAdoo is the Managing Director of Schwab Retirement Services.
Lee McAdoo是嘉信理财养老服务的董事总经理。
"Workers are feeling more optimistic about their retirement prospects and an improving economic climate tends to boost financial confidence, but it's not the only factor," McAdoo said. "We're seeing heightened awareness around 401(k) investments and performance – a promising sign that workers are actively engaging with their accounts and cultivating knowledge to help them reach their goals."
“工人对其退休前景的乐观情绪提高了，一个正在改善的经济环境往往会提高金融信心，但这不是唯一的因素，”麦克阿杜说道。 “我们看到人们对401(k)投资和业绩的认识增强了 - 这是一个有希望的迹象，表明工人正在积极参与他们的账户，并积累知识来帮助他们达到目标。”
The survey found that respondents are more aware of their 401k investments now than in 2023.
调查发现，与2023年相比，受访者对他们的401(k)投资更为了解。
Amid declining confidence in social security's future, workers are also seeking other income streams in retirement, the survey found.
调查还发现，随着人们对社会保障未来信心的下降，工人也在寻找其他的养老金来源。
Why it Matters: Economic sentiment has largely rebounded among citizens and corporations large and small.
为什么很重要：经济信心在民众和大大小小的公司中大部分已经恢复。
Inflation has cooled in recent months, enough that market experts anticipate the Federal Reserve to cut interest at least once in 2024.
通货膨胀近几个月有所降温，市场专家预计美联储至少在2024年将进行一次降息。
The data is also at odds with the message voters keep hearing from the 2024 Republican presidential field, which insists that the economy is in a poor state. In reality, Americans are pouring money into the stock market — their highest allocation ever — amid the S&P 500's impressive performance in 2024.
数据也与2024年共和党总统候选人场中选民听到的信息不一致，这些信息坚称经济状态不佳。事实上，美国人正在将资金投入股票市场 - 他们从未分配过更多资金 - 在2024年标普500指数的强劲表现中。
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