美国45%的家庭面临潜在的退休资金短缺;解决3个常见错误将改善前景。 45% of US households face potential retirement fund shortfalls; addressing 3 common mistakes enhances prospects.

美国45%的家庭可能面临退休资金短缺, 45% of US households may face shortfalls in retirement funds, warns Morningstar's research. 避免三个常见错误可以改善退休前景:1) 不将退休账户用于近期目标,2) 在改变工作岗位时不滚动资金,3) 一段时间内不提高缴款率。 Avoiding three common mistakes can improve retirement prospects: 1) not using retirement accounts for near-term goals, 2) not rolling over funds when changing jobs, and 3) not increasing contribution rates over time. 通过参加401(k)或403(b)等工作场所退休计划,个人可以加强其退休的财务准备。 By participating in workplace retirement plans like 401(k)s or 403(b)s, individuals can enhance their financial preparedness for retirement.