资料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsofplanning,timeandsavings. Somescaryfactsaboutretirement: Morethan50%ofpersonsdonothaveenoughfinancesforretirement. 25%donotparticipateintheircompany'sretirementplan. Theaveragepersonspends20yearsinretirement. Herearesometipstohelpyouplancorrectly: 1.Talktoafinancialprofessional.Everyfewyears,it'sagoodideatoscheduleameetingwithafinancialplannertogeta“check-up”.It'sjustlikeadoctor'svisit,andyoushouldreallytalkaboutyourpresentsituationandfuturegoals. 2.Save,save,andkeeponsaving.Makeitahabittosaveasmuchasyoucan. 3.Learnyourretirementneeds.Retirementcanbeexpensive.Learnfromtodayhowmuchyouneedtosaveforyourretirement.Talktoafinancialplanner,orfindanonlineretirementcalculator. 4.Takepartinyouremployer'sretirementplans.Ifyourcompanyoffersone,itisusuallythebesttoolyoucanuse.Talktoafinancialprofessionalforallyouroptions. 5.Learnaboutpensionplans.Ifyouhaveanemployerorgovernmentpensionplan,learnallthedetails. 6.Keepyourretirementsavingsoff-limits.Don'tmakeawithdrawaluntilyouretire.Youmightincurpenaltiesanditwillbeasetbackforrealizingyourgoals. 7.Getyouremployertostartone,anditcanhelpyoutremendously. 8.Learnaboutyourgovernment'sretirementplans.Everycountryhasdifferentplans,somewithspecialtaxincentives,solearnwhatyourcountryoffersandplanaccordingly. 9.Doyourownresearch.UsetheInternet,readthenewspapersandmagazines,talktoyourfriends,tofindoutasmuchasyoucanaboutretirement. Whatwillhappenifyouwithdrawyourretirementsavingsbeforeyouretire?
A.You may have to pay penalties. B.You will fail to realize your goals. C.Your retirement savings will become off-limits. D.You should save money for your retirement all over again.正确答案B
