When it comes to retirement savings, Gen Xers lag behind their older (and younger) counterparts due to changes in the broader U.S. retirement system over the past few decades, namely the decline of pensions and the rise of defined contribution (DC) plans, like 401(k)s. "While many Baby Boomers have defined benefit pension plans that provide a set income for life, Gen Xers entered the workforce as pensions were being replaced by DC plans and before key features like auto-enroll and auto-escalate became commo ...

For Gen X, fears of a future retirement savings shortfall are finally hitting in the gut. With the first of this cohort turning 60 this year, decades of kicking retirement savings down the road have come back to bite them. Two new surveys zero in on their angst, why they’re in this mess, and how they’re taking steps to dig themselves out. Let’s start with the hand-wringing. More than 8 in 10 are worried that they will not have enough money for a comfortable retirement, according to the Schroders 2025 U ...

政策动向 - 美国总统特朗普签署行政命令 允许将加密货币和私募股权纳入401(k)退休金计划 [1][2] - 此举可能向数字资产市场开放高达40万亿美元的退休储蓄 [4] 支持方观点 - 参议员Cynthia Lummis赞扬该决定 认为美国人可以通过数字资产"保障"其财务未来 [5] - Professional Capital Management创始人Anthony Pompliano表示 此举将为加密货币市场带来巨大的新资本流入 [5] 反对方观点 - 参议员Elizabeth Warren将加密货币市场称为"阴暗"市场 认为其缺乏强有力的保障措施来保护资金安全 [2] - Warren和参议员Bernie Sanders等立法者致信美国证券交易委员会和劳工部 对该举措表示担忧 [3] - 立法者引用劳工部2022年指引 敦促计划受托人在将加密货币选项加入401(k)计划前应"极度谨慎" [3] - 经济学家Peter Schiff警告 这可能加剧退休储蓄短缺问题 [5] 潜在利益冲突 - 参议员们质疑特朗普家族可能从该举措中获取经济利益 引用报告称第一家庭从World Liberty Financial代币发行中获得了高达50亿美元的账面财富 [3]

股票市场表现 - 美股交易价格接近历史最高水平 [1] - 这一现象对长期坚持401(k)等养老计划供款的美国工龄人口构成重大利好 [1]

社会保障核心功能 - 社会保障旨在为退休人员提供安全网 防止其陷入贫困 而非提供优渥的退休生活 [3][4] - 社会保障金通过工作者在职期间缴纳 退休后定期领取的方式运作 [3] 通胀对退休人员的影响 - 52%的退休人员因通胀影响削减了餐饮和旅游等非必要支出 [4] - 约30%的受访者通过动用银行存款或401(k)和IRA等储蓄弥补收支缺口 [5] 企业退休福利演变 - 企业逐渐从传统养老金模式转向401(k)计划 将储蓄责任转移给员工 [6] - 企业虽提供一定比例的401(k)匹配供款 但退休储备主要仍依赖员工自主承担 [6]