美國(guó)退休金信托新規(guī)引國(guó)會(huì)爭(zhēng)吵

　　There's a fight in Congress over a new rule that would save Americans an estimated $17 billion a year.

　　最近，美國(guó)國(guó)會(huì)正在為一項(xiàng)新規(guī)定吵得面紅耳赤。這項(xiàng)規(guī)定估計(jì)每年將為美國(guó)人節(jié)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.

　　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.

　　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?

　　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.

　　"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.

　　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.

　　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.
 

　　1 fiduciary

　　adj.受托的，信托的

　　參考例句：

　　A company director owes a fiduciary duty to the company.公司董事應(yīng)對(duì)公司負(fù)責(zé)受托人責(zé)任。

　　He was acting in a fiduciary capacity.他以受托人身份行為。

　　2 brokers

　　n.(股票、外幣等)經(jīng)紀(jì)人( broker的名詞復(fù)數(shù) );中間人;代理商;(訂合同的)中人v.做掮客(或中人等)( broker的第三人稱單數(shù) );作為權(quán)力經(jīng)紀(jì)人進(jìn)行談判;以中間人等身份安排…

　　參考例句：

　　The firm in question was Alsbery & Co., whiskey brokers. 那家公司叫阿爾斯伯里公司，經(jīng)銷威士忌。 來(lái)自英漢文學(xué) - 嘉莉妹妹

　　From time to time a telephone would ring in the brokers' offices. 那兩排經(jīng)紀(jì)人房間里不時(shí)響著叮令的電話。 來(lái)自子夜部分

　　3 retirement

　　n.退休，退職

　　參考例句：

　　She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必為金錢擔(dān)憂。

　　I have to put everything away for my retirement.我必須把一切都積蓄起來(lái)以便退休后用。

　　4 savings

　　n.存款，儲(chǔ)蓄

　　參考例句：

　　I can't afford the vacation,for it would eat up my savings.我度不起假，那樣會(huì)把我的積蓄用光的。

　　By this time he had used up all his savings.到這時(shí)，他的存款已全部用完。

　　5 enroll

　　v.招收;登記;入學(xué);參軍;成為會(huì)員(英)enrol

　　參考例句：

　　I should like to enroll all my children in the swimming class.我愿意讓我的孩子們都參加游泳班。

　　They enroll him as a member of the club.他們吸收他為俱樂(lè)部會(huì)員。

　　6 investors

　　n.投資者，出資者( investor的名詞復(fù)數(shù) )

　　參考例句：

　　a con man who bilked investors out of millions of dollars 詐取投資者幾百萬(wàn)元的騙子

　　a cash bonanza for investors 投資者的賺錢機(jī)會(huì)