42%的美国人养老储蓄金不足1万美元

退休后的金色年华对于美国近一半人而言或许将会失去光泽。

GoBankingRates的一项新调查发现，42%的美国人为养老准备的储蓄小于或等于1万美元，14%的人完全没有任何储蓄。

在千禧一代中，这种情况尤为严重。该网站的调查显示，18至34岁的人群中，有近19%没有任何养老储蓄。

这项对超过一千名成年人的调查发现，没有足够存款的首要原因在于他们挣得不够多，没有富余资金。

积极的一面在于，大约16%的受访者表示他们为养老准备了30万美元甚至更多。另有10%表示他们的存款在20万美元至30万美元之间。

研究发现，比起女性，男性的养老存款往往更多。45%的女性没有存款或是存款在1万美元以下，而类似的男性只占整体的40%。

不过，比起过去两年，这种情况已经有所好转。2017年有58%的女性没有存款或是存款在1万美元以下。再往前一年，这个比例则是63%。（财富中文网）

译者：严匡正 

The golden years are likely to be tarnished for nearly half the country.

A new survey from GoBankingRates finds that 42% of Americans have saved $10,000 or less for retirement, while 14% have absolutely no money put away.

It gets even worse for millennials. Nearly 19% of people between 18-34 have yet to save a single dollar for retirement, according to the site.

The study of more than 1,000 adults found that the top reason for the paltry savings numbers was they simply didn’t earn enough to put money away.

On the positive side, some 16% of the people surveyed said they have $300,000 or moreset aside for retirement. And 10% say they have between $200,000 and $300,000.

Men are more likely than women to have larger retirement account balances, the site found. Forty-five percent of women have no savings or $10,000 or less, versus 40% of men.

That’s better than the past two years, though. In 2017, 58% of women had either no savings or less than $10,000. The previous year, that number was 63%.