The Four Pillars o U.S. Retirement

As the nature of retirement evolves, Americans must face new retirement challenges with fresh perspectives and strategie-s. Prudential has developed the four-pillar concept to help Americans prepare for and live in retirement. For most people, no one pillar is sufficient to meet retirement income needs. For a secure retirement, inpiduals should consider all four pillars.

Social Security: On average, Social Security replaces about 40% of a worker's pre-retirement income.1

Employment-Based Plans: With the shift from defined benefit plans (such as pensions) to defined contribution plans (such as 401(k)s), the responsibility for saving for and generating a guaranteed retirement income has transferred from institutions to inpiduals.

Personal Savings: Whether or not Americans have access to an employment-based plan, their personal savings, annuities, and IRAs can be a source of retirement income.

Retirement Choices: To secure their retirements, retirees may choose to rely upon non-traditional sources of income, such as working part-time. They may also consider ways to protect their retirement income and to leave for their children and   grandchildren.

         www.cnpension.net    贝恩克    2005.08.24

【作者：贝恩克】  【出处：www.cnpension.net】