英国退休人员越来越多地使用低收益现金储蓄,由于通货膨胀和养恤金信托减少,长期价值面临风险。 UK retirees increasingly use low-yield cash savings, risking long-term value due to inflation and declining pension trust.

尽管通货膨胀随着时间的推移而削弱了金钱的价值,但英国家庭越来越依赖低收益现金储蓄,其中43%的退休金储蓄者使用现金账户,而21%的退休金储蓄者使用股票和股票国际储蓄账户. UK households are increasingly relying on low-yield cash savings for retirement, despite inflation eroding value over time, with 43% of those saving outside pensions using cash accounts—more than double the 21% using stocks and shares ISAs. 专家警告说,由于对养恤金制度的信任程度下降和经济不确定性,这一趋势有可能造成退休储蓄差距日益扩大。 Experts warn this trend, driven by declining trust in pension systems and economic uncertainty, risks a growing retirement savings gap. 政府改革的目的是增加对高回报资产的投资,限制65岁以下者缴纳ISA现金,而金融顾问则强调,必须及早、一致储蓄、定期审查养恤金、多样化和专业指导,以确保做好长期准备。 While government reforms aim to boost investment in higher-return assets and limit cash ISA contributions for under-65s, financial advisors stress the need for early, consistent saving, regular pension reviews, diversification, and professional guidance to ensure long-term readiness.