450)=450"> [color=#600000]BEC HIGHER 聽力訓(xùn)練，希望對備考的同學(xué)們有所幫助。 全文聽寫，英式拼法[/color] 商務(wù)英語播客每日19點更新，BEC高級每日9點更新。 450)=450"> 上一期BEC高級：退休金危機(2/3) HINTS none
There's a saying, I don't know who by, that you should "invest in land, because they don't make it any more." I think that's good advice. Around 2004 there started to be a lot of stories in the media about company pensions and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments. At that point I decided to withdraw my money from my own private pension and put it into property. I figured that if I bought a small office building, then by the time I reached retirement age, I would have paid off the mortgage and could live off the rent, so that's what I did. I realised quite early on that my state pension wasn't going to be sufficient, so I took out a private one when I was about 30. It works like a managed investment fund, a mixture of blue-chip stocks, so I don't really have much say in how the money is invested. Unfortunately, like a lot of private pension schemes, it hasn't really performed as predicted. I think the projected growth rate was between 8 and 12% and it's grown at about 4.5%, which isn't much above inflation. There are signs that the stock markets are doing a little better now, so I'm hopeful that in the long run I will have reasonable funds for my retirement. Would I advise anyone to do the same, with hindsight, probably not .
有這樣一個說法，你應(yīng)該投資土地，因為它是不可再生的。我想這是很好的建議。2004前后，媒體報道了許多關(guān)于公司退休金和私人退休金并沒有按所承諾的為退休者提供福利，主要是因為它們與股票市場投資相連。在那時，我決定取出我個人退休金賬戶中，轉(zhuǎn)而投資房地產(chǎn)。我算過，如果我買一棟小辦公樓，到我退休時，我已經(jīng)付清了貸款，并能靠租金過活。 我很早就發(fā)覺我的國家退休金并不足以保證退休后的生活，因為在我30歲時，我取出了個人部分。這就像是托管投資基金，藍籌股的混合，所以我對于投資沒有太多的話要說。很不幸地，像許多個人退休金計劃一樣，國家退休金的表現(xiàn)并未像預(yù)期一樣。我想的預(yù)期增幅是6%-12%，但實際上是4.5%，明顯高于通貨膨脹?，F(xiàn)在，市場有跡象更看好股票市場。所以我希望在長期，我能有合理的退休資金。我會不會建議別人也這樣做？事后看來，不會。 ——譯文來自: ouyangkate