\nAni de zile, visul american – de a de\u0163ine o cas\u0103, de a avea o ma\u015fin\u0103 \u015fi, \u00een cele din urm\u0103, de a ie\u015fi la pensie – nu p\u0103rea extravagant. Un lung boom economic postbelic a permis milioanelor de americani s\u0103 ating\u0103 u\u015for aceste obiective. Cu toate acestea, \u00een prezent, membrii genera\u0163iei X, cei \u00eentre 44 \u015fi 59 de ani, s-au lovit de o dificultate extraordinar\u0103 \u00een privin\u0163a pension\u0103rii a c\u0103rei principal\u0103 cauz\u0103 este lipsa de bani.<\/p>\n
\nPotrivit sondajelor, aproximativ 55% dintre membrii Genera\u0163iei X, nu sunt preg\u0103ti\u0163i din punct de vedere financiar s\u0103 se retarag\u0103 din c\u00e2mpul muncii, scrie Bloomberg.<\/p>\n
\n\u00cen timp ce p\u0103rin\u0163ii \u015fi bunicii lor au beneficiat de un plan de pensii gestionat profesional – care promite un venit garantat pe via\u0163\u0103 – Genera\u0163ia X este cea mai afectat\u0103 de trecerea la planurile de contribu\u0163ii directe, care cer angaja\u0163ilor s\u0103 \u00ee\u015fi gestioneze propriile economii.<\/p>\n
\nCu toate acestea, nu toat\u0103 lumea a avut acces la un plan 401(k) sponsorizat de angajator. \u015ei chiar \u015fi cei care au beneficiat, este posibil s\u0103 fi \u00eenceput s\u0103 utilizeze aceste conturi atunci c\u00e2nd op\u0163iunile de investi\u0163ii erau mai scumpe \u015fi nu includeau portofolii diversificate automat.<\/p>\n
\nAcum, c\u00e2nd Genera\u0163ia X se afl\u0103 sau se apropie de anii \u00een care c\u00e2\u015ftig\u0103 cel mai bine, exist\u0103 o \u015fans\u0103 de a recupera decalajul. Dar, din cauza \u00eemprumuturilor studen\u0163e\u015fti \u015fi a costurilor suplimentare legate de \u00eentre\u0163inerea at\u00e2t a p\u0103rin\u0163ilor \u00een v\u00e2rst\u0103, c\u00e2t \u015fi a propriilor copii, mul\u0163i dintre ei \u00eenc\u0103 se lupt\u0103 pentru a-\u015fi asigura pensionarea.<\/p>\n","protected":false},"excerpt":{"rendered":"
Ani de zile, visul american – de a de\u0163ine o cas\u0103, de a avea o ma\u015fin\u0103 \u015fi, \u00een cele din urm\u0103, de a ie\u015fi la pensie – nu p\u0103rea extravagant. Un lung boom economic postbelic a permis milioanelor de americani s\u0103 ating\u0103 u\u015for aceste obiective. Cu toate acestea, \u00een prezent, membrii genera\u0163iei X, cei \u00eentre […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[12870,7467,22153,17775,34490],"class_list":["post-229245","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-american","tag-asigurare","tag-generatie","tag-membri","tag-vis"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=229245"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229245\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=229245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=229245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=229245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}