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退休储蓄缺口现状 - 47%适龄工作家庭面临退休储蓄不足风险 该风险基于65岁退休假设[4] - 79%受访者在2024年认为美国正面临退休危机[4] - 低收入工作者56% 中等收入45% 高收入41%均存在退休储蓄短缺问题[5] 传统退休保障体系演变 - 三支柱体系（社保+雇主养老金+个人储蓄）已演变为双支柱（社保+个人储蓄）因多数人不再享有雇主养老金[2] - 社保福利仅替代约40%退休前收入 不足以维持生活[1] 退休规划解决方案 - 设定明确储蓄目标 需考虑通胀/税收/医疗成本 建议储蓄额为最终薪资10倍[6] - 优先获取401(k)雇主匹配 辅以传统或罗斯IRA账户以扩大投资选择[8] - 建立自动供款机制 通过默认投资行为提高达标概率[8] - 投资ETF或目标日期基金 注重控制长期投资费用[8] - 随收入增长提高投资比例 将加薪部分优先用于退休储蓄[8]