新的联邦规则可以允许私营工人通过401(k)s对高回报资产进行投资,从而增加退休储蓄。 A new federal rule could let private workers invest in higher-return assets via 401(k)s, boosting retirement savings.

不断上升的通货膨胀和生活费用使许多缅因人难以节约退休金。 Rising inflation and living costs are making retirement savings difficult for many Mainers. 美国劳工部的一项拟议规则可以允许私营部门工人通过401(k)计划投资于回报较高的私人市场资产,如私人股权和房地产,类似于缅因州的PERS中的公务员。 A proposed U.S. Department of Labor rule could allow private-sector workers to invest in higher-return private market assets like private equity and real estate through 401(k) plans, similar to public employees in Maine’s PERS. 研究表明,10%的拨款可以使年度退休收入增加1 100美元以上,在30年内增加近34 000美元。 Research suggests a 10% allocation could boost annual retirement income by over $1,100, adding nearly $34,000 over 30 years. 该规则旨在通过明确尽职调查和披露要求来降低法律风险，同时保持ERISA标准，有望扩大私营部门员工获得更好退休投资的机会。 The rule aims to reduce legal risks by clarifying due diligence and disclosure requirements while maintaining ERISA standards, potentially expanding access to better retirement investments for private-sector workers.