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它是公开的入学赛季,退休行业应该注册金融气

由卡伦安德烈斯VP和头部长期储蓄和退休的财务健康网万博电竞怎么玩忘了节日吧,一年中我最喜欢的时节是秋天。毛衣,瓦罐,南瓜雕刻,还有大学橄榄球。但是,有一个不太明显的原因谈恋爱:它的好处公开招生季节对于大多数美国公司,这意味着...

2018年10月26日星期五
它是公开的入学赛季,退休行业应该注册金融气

由卡伦安德烈斯
VP和头部长期储蓄和退休的财务健康网万博电竞怎么玩

忘了节日吧,一年中我最喜欢的时节是秋天。毛衣,瓦罐,南瓜雕刻,还有大学橄榄球。但还有一个不太明显的理由让人坠入爱河:对大多数美国公司来说,这是福利开放登记的季节,这意味着这是9500万美国人在工作场所有资格享受退休储蓄计划的时候,会收到来自福利部门的电子邮件,提醒他们401(k)计划的重要性,以及他们应该如何参加即将到来的退休教育课程,以便利用公司丰厚的福利。

I would argue that benefits season is the most important moment of the year for Americans to take positive action for their long-term financial health — and now more than ever before because American workers are not financially prepared for their life after work. According to新研究从国家研究所退休保障(NIRS),在美国平均退休储蓄余额为$ 0是的,你没看错。ZERO美元。每NIRS”分析100万名美国人没有任何退休账户资产。

There are many reasons for this, most of which are out of the individual workers’ control,, including the disappearance of defined benefit pension plans, the administrative and financial burdens that prevent small businesses from offering qualified savings plans, and the rising cost of life’s big-ticket items, like housing, child care, and health care — just to name a few.

但也许面临最想成为的401(k)储蓄最直接的障碍是他们的金融生活的其余部分。在我们最近的财务健康网报道,万博电竞怎么玩通过固定今天准备明天:帮助低收入和中等收入工人蓬勃发展,退休我们分析对低收入和中等收入工人全国代表性的数据,55岁以上的,发现:

  • LMI的62%预退休人员不少于3个月的价值的生活费中节省应急
  • 近一半的LMI预退休人员努力按时足额他们的账单。
  • 绝大多数的预退休人员,LMI和非LMI两者具有债务,以LMI的34%预退休人员报告说,他们的债务是无法控制的

这一数据和研究表明,人们正努力在很大程度上兴旺明天,因为他们今天要生存。At Financial Health Network, we are actively growing our community of companies in the retirement industry — from asset managers to record keepers to insurers to consultants — who want to take action. We see an opportunity for companies across the defined contribution supply chain to quantitatively assess the financial health of plan participants and non-participants alike, and to offer actionable solutions that help them measurably improve their financial lives. The good news is that this financial health measurement science now exists, such as the Financial Health Network Financial Health Score, and that the fintech world has been hard at work building all manner of innovative, pro-consumer products and tools. Over the last 15 years, Financial Health Network’s has worked to help banking and payments giants better diagnose their customers’ specific needs and to subsequently introduce them to the promising fintech innovators we have met in our Financial Health Network and Financial Solutions Lab (FinLab). The FinLab is currently拉客的应用为它的第五个队列,将要专注于工作场所的渠道解决方案。我们从过去的同伙看到那里的伙伴关系和飞行员给我们希望有更多的影响在退休产业。

而且,正如我们逐步减少国家退休保障周,还有另外一个原因希望:从$ 0节省统计,去唯一的地方就到了。

要了解更多关于围绕退休计划财务健康网的研万博电竞怎么玩究,下载通过固定今天准备明天:帮助低收入和中等收入工人蓬勃发展,退休报告并请继续关注退休更多的研究早在2019第一季度到来。

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