This is the VOA Special English Economics Report.
这里是美国之音慢速英语经济报道。
Last week, we discussed limiting investment risk in retirement planning. So what are financial planners advising people to invest in?
上周，我们讨论了限制退休计划的投资风险。那么理财规划师会建议人们投资什么呢？
Stocks and bonds are the best known investments and are important to any savings plan.
股票和债券是最常见的投资，对任何储蓄计划都很重要。
Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk.
储蓄账户和存单一类的储蓄工具只支付很低的利率，但承担的风险很低。
Annuities are another savings instrument with low risk.
年金是另一种低风险的储蓄工具。
PETER D'ARRUDA: "Worldwide people can put their money in annuities, which are basically savings accounts offered by insurance companies."
皮特·德阿鲁达：“世界各地的人们都可以把钱投入年金，年金是由保险公司提供的基本储蓄账户。
But financial planner Pete D'Arruda also says it is important to make a decision about an annuity with a good financial planner. He warns that annuity agreements can be complex, and many bad ones are out there.
但理财规划师德阿鲁达还表示，和优秀理财规划师共同挑选一份年金非常重要。他警告说，年金协议可能非常复杂，同时良莠不齐。
Pete D'Arruda says good planning means placing money into financial securities and accounts that have different risk levels, using asset allocation.
德阿鲁达表示，良好的规划意味着使用资产分配，把钱投入到不同风险等级的金融证券和账户中。
PETER D'ARRUDA: "So true asset allocation is having some in stocks, some in bonds, some in mutual funds, but then some in other places with guaranteed income and then safety and liquidity kind of accounts for emergencies."
德阿鲁达：“所以真正的资产分配是部分投入股票，部分投入债券，部分投入共同基金，但还有部分投入到保证收益的渠道，以及为紧急状况准备的安全的流动性账户。
This method of savings follows the old saying you should not ‘put all your eggs in one basket.' But that is not for everyone.
这种储蓄方式也就是老话讲的，不要把所有鸡蛋放在一个篮子里。但这并不适合每个人。
Sande Taylor is with investment company Charles Schwab in south Florida. She advises investors every day. She says many investors have a personal style. There are conservative investors.
桑德·泰勒是投资公司嘉信理财南加州分公司员工。她每天给投资者提供咨询。她表示许多投资者有自己的个人风格。其中一些是保守投资者。
SANDE TAYLOR: "A conservative investor by definition typically has eighty percent of their portfolio within fixed income markets and cash."
泰勒：“根据定义，保守投资者通常80%的投资组合是固定收益市场和现金。”
Even in retirement, Sande Taylor says, some people have their entire financial portfolio, or set of investments, in stocks. They are the aggressive investors.
桑德表示，即使退休了，一些人也有其全盘金融投资组合，或股票投资。他们是激进投资者。
In saving for retirement, there can be a difference between what people believe and what they actually do.
在退休储蓄中，人们的想法与实际行动存在差异。
In a recent Charles Schwab study, most Americans said they believe it would be easier to save for retirement if they were single. But the study found that eighty-five percent of married people had started saving, while only two thirds of singles had.
在嘉信理财最近一份研究中，多数美国人表示他们认为如果自己单身，为退休存钱会更容易。但这份研究发现，85%的已婚人士早已开始储蓄，而只有2/3的单身人士这样做。
Sande Taylor says younger people may seek short term goals.
桑德表示，年轻人可能会追求短期目标。
SANDE TAYLOR: "The younger individuals look at it and think, ‘Well retirement is so far away, I'd rather focus on my shorter term goals.'"
桑德：“年轻人对退休储蓄的看法是，'退休还早着呢，我宁愿专注于我的短期目标。'”
But she says there are big gains to be made by starting early and planning for the future.
但她表示，早早开始为未来筹划会受益良多。
SANDE TAYLOR: "If you start in your twenties, you have the ability to actually contribute less per contribution, and achieve a higher longer term goal because that money is compounding over a longer period of time."
桑德：“如果你20岁开始储蓄，你就能为其付出更少，并实现更高远的目标。因为经过长期时间，你的储蓄在利滚利。”
The important thing, says Sande Taylor, is to identify your retirement goals and lifestyle. That means realistically planning for how much you will spend. Ms. Taylor advises people to expect to have eighty-five percent of the expenses they had when they were working. And, she says, healthcare costs should be a major consideration.
桑德表示，最重要的是确定自己的退休目标和生活方式。这意味着实事求是地规划未来你要花多少钱。泰勒女士建议人们可以预期届时支出是工作时的85%。她同时表示，医疗支出应当是一个重要的考虑因素。
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