Koko News | Business | 27 Apr 2025

Retirement Savings Anxiety Spikes Among US Older Adults

MichaelMontgomery, a66-year-oldprofessorfromMichigan, usedtofrequentlycheckhisretirementaccountbalancebutnowavoidsittoeaseworriesaboutthefuture.

66 歲的密西根州教授邁克爾蒙哥馬利過去經常查看自己的退休帳戶餘額，但現在他不再查看，以減輕對未來的擔憂。

TheWhiteHouse'stradewarandmarketvolatilityhascreatedpanicamongolderAmericansafraidofoutlivingsavingsanddelayingdreams.

白宮的貿易戰和市場動盪讓美國老年人感到恐慌，他們擔心積蓄用完、夢想遲遲無法實現。

Manyareadjustingtheirinvestmentportfolios, likeJeanneOatsEstridgewhoistemptedtopullallhermoneyoutforcashamidstmarketuncertainty.

許多人都在調整自己的投資組合，例如珍妮·奧茨·埃斯特里奇 (Jeanne Oats Estridge)，在市場不確定的情況下，她很想把所有資金都取出來套現。

Thestockmarketlosses, bondanddollarvolatility, andrecessionconcernsareallcontributingtotheretirementsavingsanxiety.

股市損失、債券和美元波動以及經濟衰退擔憂都加劇了人們對退休儲蓄的焦慮。

ScottBessent'sadvicetoignoreday-to-dayfluctuationsandbecoolabouttariffimpactshasleftretireeslikePeterRostfeelingunsettled.

貝森特 (Scott Bessent) 建議人們忽略日常波動，對關稅影響保持冷靜，但這讓彼得羅斯特 (Peter Rost) 等退休人員感到不安。

Olderinvestors, relyingonincreasinglystock-heavy 401(k) plans, arefacingmoreemotionalstrainamidrecentmarketuncertainty.

老年投資者越來越依賴股票為主的 401(k) 計劃，在近期市場不確定性的影響下，他們面臨更大的情緒壓力。

Financialadvisersarefloodedwithanxiousclients, likePaulDuesterhauswhoplanstodelayIRAwithdrawalsandcutbackonexpensesamidstfearsofprolongedtradewareffects.

財務顧問面臨大量焦慮的客戶，例如保羅·杜斯特豪斯 (Paul Duesterhaus)，由於擔心貿易戰的長期影響，他計劃推遲 IRA 提款並削減開支。

Althoughmanyarefollowingexpertadvicetofine-tuneinvestmentsandavoiddrasticmoves, thecontinuousmarketfluctuationscontinuetocausestressamongolderinvestors.

儘管許多人聽從專家的建議，調整投資並避免採取激烈的舉措，但持續的市場波動仍然給老年投資者帶來壓力。

Michael Montgomery, a 66-year-old professor from Michigan, used to frequently check his retirement account balance but now avoids it to ease worries about the future.

The White House's trade war and market volatility has created panic among older Americans afraid of outliving savings and delaying dreams.

Many are adjusting their investment portfolios, like Jeanne Oats Estridge who is tempted to pull all her money out for cash amidst market uncertainty.

The stock market losses, bond and dollar volatility, and recession concerns are all contributing to the retirement savings anxiety.

Scott Bessent's advice to ignore day-to-day fluctuations and be cool about tariff impacts has left retirees like Peter Rost feeling unsettled.

Older investors, relying on increasingly stock-heavy 401(k) plans, are facing more emotional strain amid recent market uncertainty.

Financial advisers are flooded with anxious clients, like Paul Duesterhaus who plans to delay IRA withdrawals and cut back on expenses amidst fears of prolonged trade war effects.

Although many are following expert advice to fine-tune investments and avoid drastic moves, the continuous market fluctuations continue to cause stress among older investors.