美国正应对40年来最严重的通货膨胀浪潮之一,物价上涨迫使许多美国人重新考虑他们的预算。
在燃料、食品和住房价格飙升的带动下,美国目前的通货膨胀率为8.3%。汽油价格目前平均每加仑4.67美元,迫使许多美国人调整他们的消费习惯,并做出重大的生活方式选择,以应对不断上涨的价格。对于一些人来说,通货膨胀正冲击所有人最大的生活方式选择之一:是否选择退休。
根据满银夏理斯银行(BMO Harris Bank)的一份新报告,随着通货膨胀迫使越来越多的美国人动用他们的储蓄账户,有25%的工作者正在延迟退休,该报告发现,36%的美国人的储蓄已经受到通货膨胀的冲击。
满银夏理斯银行消费者策略主管保罗·迪尔达(Paul Dilda)在公司声明中表示:"在这种通货膨胀环境下,消费者必须换个角度思考他们的财务状况。”
美国年轻人和千禧一代的储蓄较少,更有可能购买房屋或汽车等大件物品,这让他们处于通货膨胀斗争的前线。但年轻人购买的最大件物品是他们的黄金岁月。
满银夏理斯银行的新报告发现,即将退休的美国老年人正感受到价格上涨带来的压力,这改写了个人理财规划和预算的规则。
接近退休年龄的消费者表示,他们现在减少外出就餐,减少购物,减少开车频率。
对于许多渴望退休的人来说,自从今年早些时候物价开始飙升以来,这种情况已经持续数月,有明显迹象表明情况将变得更糟糕。根据全美互惠保险公司(Nationwide Insurance)在3月进行的一项调查,约有十分之一接近退休年龄的X一代或婴儿潮一代已经延迟退休,或正在认真考虑这样做。
长期以来,通货膨胀一直是即将退休的人担忧的一个问题,许多人开始认为退休后可以舒适地生活的梦想越来越遥不可及。
根据资产管理公司施罗德集团(Schroders)的一项调查,今年只有22%的美国人认为他们有足够的储蓄,可以过上舒适的退休生活,低于去年的26%。该调查是在2月份进行的,当时美联储开始加息以对抗通胀。
根据施罗德集团的调查,超过一半的受访者表示,他们预计到退休时拥有的储蓄不到50万美元,远低于接受调查的人所说的理想退休资金的平均水平110万美元。当时满怀希望的退休人员主要担忧:通货膨胀将继续上升,股市最终可能会收缩,他们会损失更多资产。
对通胀的担忧或多或少是正确的,而股市也于事无补。在经历了2021年从早期的新冠肺炎疫情低迷中强劲反弹之后,三大股指——标准普尔500指数、纳斯达克指数和道琼斯工业平均指数——似乎都进入熊市区域,从年初开始分别下跌14%、24%和11%。(财富中文网)
译者:中慧言-王芳
美国正应对40年来最严重的通货膨胀浪潮之一,物价上涨迫使许多美国人重新考虑他们的预算。
在燃料、食品和住房价格飙升的带动下,美国目前的通货膨胀率为8.3%。汽油价格目前平均每加仑4.67美元,迫使许多美国人调整他们的消费习惯,并做出重大的生活方式选择,以应对不断上涨的价格。对于一些人来说,通货膨胀正冲击所有人最大的生活方式选择之一:是否选择退休。
根据满银夏理斯银行(BMO Harris Bank)的一份新报告,随着通货膨胀迫使越来越多的美国人动用他们的储蓄账户,有25%的工作者正在延迟退休,该报告发现,36%的美国人的储蓄已经受到通货膨胀的冲击。
满银夏理斯银行消费者策略主管保罗·迪尔达(Paul Dilda)在公司声明中表示:"在这种通货膨胀环境下,消费者必须换个角度思考他们的财务状况。”
美国年轻人和千禧一代的储蓄较少,更有可能购买房屋或汽车等大件物品,这让他们处于通货膨胀斗争的前线。但年轻人购买的最大件物品是他们的黄金岁月。
满银夏理斯银行的新报告发现,即将退休的美国老年人正感受到价格上涨带来的压力,这改写了个人理财规划和预算的规则。
接近退休年龄的消费者表示,他们现在减少外出就餐,减少购物,减少开车频率。
对于许多渴望退休的人来说,自从今年早些时候物价开始飙升以来,这种情况已经持续数月,有明显迹象表明情况将变得更糟糕。根据全美互惠保险公司(Nationwide Insurance)在3月进行的一项调查,约有十分之一接近退休年龄的X一代或婴儿潮一代已经延迟退休,或正在认真考虑这样做。
长期以来,通货膨胀一直是即将退休的人担忧的一个问题,许多人开始认为退休后可以舒适地生活的梦想越来越遥不可及。
根据资产管理公司施罗德集团(Schroders)的一项调查,今年只有22%的美国人认为他们有足够的储蓄,可以过上舒适的退休生活,低于去年的26%。该调查是在2月份进行的,当时美联储开始加息以对抗通胀。
根据施罗德集团的调查,超过一半的受访者表示,他们预计到退休时拥有的储蓄不到50万美元,远低于接受调查的人所说的理想退休资金的平均水平110万美元。当时满怀希望的退休人员主要担忧:通货膨胀将继续上升,股市最终可能会收缩,他们会损失更多资产。
对通胀的担忧或多或少是正确的,而股市也于事无补。在经历了2021年从早期的新冠肺炎疫情低迷中强劲反弹之后,三大股指——标准普尔500指数、纳斯达克指数和道琼斯工业平均指数——似乎都进入熊市区域,从年初开始分别下跌14%、24%和11%。(财富中文网)
译者:中慧言-王芳
Higher prices are forcing many Americans to reconsider their budgets, as the country deals with one of its worst inflationary waves in 40 years.
Inflation in the U.S. is currently sitting at 8.3%, led by price surges for fuel, food, and housing. Gas prices alone are currently averaging $4.67 a gallon, forcing many Americans to adjust their spending habits and make big lifestyle choices to cope with rising prices. For some, it’s hitting one of the biggest lifestyle choices of all: retirement.
A full quarter of workers are now postponing their retirement as inflation forces more and more Americans to dip into their savings accounts, according to a new report by BMO Harris Bank, which found that 36% of Americans have already seen their savings hit by inflation.
“Consumers must think differently about their finances in this inflationary environment,” Paul Dilda, head of consumer strategy for BMO Harris Bank, said in a company statement.
Younger Americans and millennials have fewer savings and are more likely to buy big-ticket items such as a home or a car, putting them on the front lines of the inflation battle. But the biggest purchase of all is your golden years.
The new report by BMO Harris found that older Americans on the verge of retirement are feeling the crunch of higher prices, which have rewritten the rules of personal finance planning and budgeting.
Consumers nearing retirement age say they are now dining out less, cutting back on shopping, and driving their cars less frequently.
For many aspiring retirees, the writing has been on the wall for months, ever since prices began surging earlier this year. Around one in 10 Gen Xers or baby boomers who were nearing retirement age had already delayed leaving the workforce or were seriously considering doing so, according to a March survey conducted by Nationwide Insurance.
Inflation has long been a source of concern among potential retirees, and many are beginning to consider the dream of a comfortable retirement increasingly unreachable.
Only 22% of Americans this year feel like they have enough saved for a comfortable retirement, down from 26% last year, according to a survey by asset management firm Schroders. The survey was conducted in February, before the Federal Reserve began raising interest rates to combat inflation.
More than half of the respondents in the Schroders survey said that they expected to have less than $500,000 in savings by the time they retired, well below the average $1.1 million people surveyed said was an ideal retirement fund. The main concerns among hopeful retirees at the time were that inflation would continue to rise and the stock market might eventually contract and wipe out more of their assets.
The fears over inflation have more or less held true, and the stock market isn’t helping matters. After a strong 2021 rebounding from the early pandemic downturn, all three major stock indexes—the S&P 500, Nasdaq, and the Dow Jones industrial average—appear to be entering bear market territory, down 14%, 24%, and 11%, respectively, from the beginning of the year.