退休后的金色年華對(duì)于美國(guó)近一半人而言或許將會(huì)失去光澤,。

GoBankingRates的一項(xiàng)新調(diào)查發(fā)現(xiàn)，42%的美國(guó)人為養(yǎng)老準(zhǔn)備的儲(chǔ)蓄小于或等于1萬(wàn)美元,，14%的人完全沒(méi)有任何儲(chǔ)蓄,。

在千禧一代中,，這種情況尤為嚴(yán)重,。該網(wǎng)站的調(diào)查顯示，18至34歲的人群中,，有近19%沒(méi)有任何養(yǎng)老儲(chǔ)蓄。

這項(xiàng)對(duì)超過(guò)一千名成年人的調(diào)查發(fā)現(xiàn),，沒(méi)有足夠存款的首要原因在于他們掙得不夠多,，沒(méi)有富余資金。

積極的一面在于,，大約16%的受訪者表示他們?yōu)轲B(yǎng)老準(zhǔn)備了30萬(wàn)美元甚至更多,。另有10%表示他們的存款在20萬(wàn)美元至30萬(wàn)美元之間,。

研究發(fā)現(xiàn),，比起女性，男性的養(yǎng)老存款往往更多,。45%的女性沒(méi)有存款或是存款在1萬(wàn)美元以下,，而類(lèi)似的男性只占整體的40%。

不過(guò),，比起過(guò)去兩年,，這種情況已經(jīng)有所好轉(zhuǎn)。2017年有58%的女性沒(méi)有存款或是存款在1萬(wàn)美元以下,。再往前一年,，這個(gè)比例則是63%。（財(cái)富中文網(wǎng)）

譯者：嚴(yán)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%.