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.
工人們常常放棄了他們在養老計劃中本來可以獲得的數十億美元的收益。
Why? They unknowingly roll their savings into cash holdings instead of new investments after they switch jobs.
爲什麼？他們在更換工作後，不知情地將他們的儲蓄轉入現金持有而不是新的投資中。
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.
將舊公司計劃的401(k)餘額轉移到個人退休帳戶（IRA）時，這些錢通常會以現金的形式持有，直到被放入IRA持有的新投資中。
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.
據《紐約時報》報道，2015年將儲蓄轉入Vanguard Group的IRA的工人中，仍有近三分之一的餘額坐在現金中七年後。
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的一項研究估計，持有大量現金的IRA的美國人每年會損失超過1720億美元的退休財富，這些財富原本可以通過投資股票和債券來實現。
Also Read: 'Robbing Peter to Pay Paul' – Retirement Expert Says It's Absurd Taking Incentives From 401(k) Plans To Fund 'Flawed' Social Security
還閱讀過：'羅賓•彼得付保羅'——退休專家表示，從401(k)計劃中取激勵金資助'有缺陷'的社會保障是荒謬的。
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.
這種錯誤常見於年輕的工人，他們習慣於他們的儲蓄被自動投資於公司401(k)計劃中。因此，他們有可能放棄數年內將會隨着年份複利的可能投資收益。
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.
根據基金行業協會投資公司協會的統計，IRA的資產總額爲14.3萬億美元，而401(k)類似的計劃則爲11.1萬億美元。
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.
股票走勢：截至週二下午交易，401(k)計劃管理員整體趨勢向上。納斯達克自動數據處理公司（NASDAQ ADP）微漲0.12％至248.28美元，而富達投資（NASDAQ:FFIDX）上漲1.54％至91.05美元，普信集團股份有限公司（NASDAQ:TROW）上漲1.22％至117.39美元。
Exchange-traded funds that track ADP declined for the most part by Tuesday afternoon.
追蹤ADP的交易所交易基金（ETF）在週二下午大多數下跌。
- 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）上漲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％。
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Image via Pexels/ RDNE Stock project
通過Pexels/ RDNE股票項目的圖片。
譯文內容由第三人軟體翻譯。