華盛頓特區免費發披薩鼓勵存款
There's a fight in Congress over a new rule that would save Americans an estimated $17 billion a year.
最近，美國國會正在爲一項新規定吵得面紅耳赤。這項規定估計每年將爲美國人節約170億美元。
The fiduciary rule would require brokers to act in the best interest of clients who are saving for retirement. Brokers would no longer be allowed to push their clients into high-fee funds just because the fund paid them.
這條信託規定，要求經紀人的行爲必須符合存儲退休金客戶的最大利益。經紀人不能僅僅因爲收受報酬，就說服客戶購買高收費基金。
The Obama administration thinks that Americans could save more for retirement if their brokers weren't allowed to rip them off. The Financial Services Roundtable, a lobbying organization representing banks that oppose the rule, disagrees. It argues that we can fix the problem of Americans not saving enough money if Americans start saving more money -- 10 percent of their income, to be specific.
奧巴馬政府認爲，如果禁止經紀人剝削他們的客戶，美國人就能存儲更多的退休金。一家代表銀行的遊說機構——美國金融服務圓桌組織（FSR）則表示反對。它認爲，如果美國人開始存款（具體的說，是收入的10%），存款不足的問題就解決了。
That's an objective, not a policy. But never fear, the FSR has a plan to promote savings: Giving away free pizza to 100 people in Washington, D.C. The group handed out the free pies at an event last week promoting an initiative called "save-a-slice." You're supposed to "save a slice" of your income for retirement. Get it?
這是目標，不是政策。但不用擔心，FSR還有一套鼓勵存款的政策：在華盛頓特區免費給100個人發披薩。上週，這家組織就在“存一點”計劃的宣傳現場免費發放了餡餅。你應該爲了退休後的生活，“存一點”你的收入。明白？
Or maybe you'd like enter a contest and win $10,000 from the FSR by submitting a video explaining how you plan to save 10 percent of your income.
要麼你就參加FSR的比賽，拍一段視頻，說說你準備怎麼把10%的收入存起來。獎金是1萬刀！
"Don't want to spend your retirement eating cat food on toast, win $10,000," for creating a video about it, a promo for the contest intones.
“不想退休後就着麪包吃貓糧？來贏取你的1萬刀吧！”這是本次比賽的宣傳口號。
FSR does have some good ideas -- making retirement plans at companies that offer them automatically enroll employees, for example -- but its big idea is unrealistic. Middle-class incomes have fallen over thelast 15 years, so it's unlikely that regular people have more money to save. The American savings rate, currently just above 5 percent, hasn't been at or above 10 percent for any sustained period in the last 35 years.
FSR有些想法確實不錯——例如，企業制定退休計劃，從而自動招收員工——但並不現實。中產階級的收入在過去15年內降低了，因此普通人不可能有更多的錢要存。美國的存款利率目前纔是5%多一點。過去35年裏，從未穩定在10%之上。
And telling Americans to save more for retirement while trying to stop a rule that would keep Americans saving for retirement from getting swindled by high-fee funds they don't need is exactly the sort of conflicted advice that costs investors billions.
而告訴美國人多儲蓄退休金，卻不允許規則來防止他們被高收費的基金詐騙，簡直就是自相矛盾，最後來買單的還是投資者。
