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  3. Traditionally, we associate the early years with risky behavior—but one cons

Traditionally, we associate the early years with risky behavior—but one cons

游客2023-11-12  42
问题     Traditionally, we associate the early years with risky behavior—but one consequence of the recession appears to be a shift in the way 18-to 34-year-olds handle money. Affluent rnil-lennials and 30-somethings say their tolerance for risky investment is much lower than it was a year ago, rivaled only by people over the age of 65, according to a new study by Merrill Lynch Global Wealth Management. "It truly is a generational change, " says Dave Geske, an executive at Ameriprise Financial. "The market got cut in half. Housing got cut in half. People saw their asset classes get blown up.
    Avoiding risk may feel sensible to a generation whose financial coming-of-age has been bookended by the dotcom bubble and the subprime-mortgage meltdown. In 2010, only 41 percent of 18-to 29-year-olds reported working full time, compared with 50 percent in 2006, according to the Pew Research Center. Millennials were more likely to report losing their jobs than workers over the age of 30, and many recent college graduates have had a hard time finding a toehold in a tight labor market, even as the national unemployment rate rose Friday to 9. 6 percent. If the 18-to 34-year-olds feel more cautious about investing, it’s partly because they have less money to spend and little economic security.
    In response, financial firms have begun adjusting their products. Target-date retirement funds for young investors, managed by mutual-fund giant John Hancock, recently decreased exposure to stocks by 10 to 15 percent. Anecdotally, financial planners say young clients are keeping more cash on hand, and online banks such as INC Direct have rolled out savings accounts with slightly higher interest rates. " We’re seeing people try to put bells and whistles on very conservative investment, " says David Carter, chief investment officer at Lenox Advisors.
    But in the long term, is it wise for 18-to 34-year-olds to avoid stocks, load up on bonds, and keep more cash in their bank accounts? Perhaps not, if they want to live comfortably in retirement. "You need the growth potential of stocks, " says Christine Benz, director of personal finance for Morningstar. com. " Investors cannot expect the same returns from bonds and bond funds.
    One feature remains this generation’s attitude toward money. The Pew Research Center’s findings show that 85 percent of adults under 30 feel optimistic about their financial future, compared with 45 percent of the 50-and-up crowd. Three quarters of young adults surveyed by the center say they feel confident they will have enough money to retire. So, while the twin busts may have diminished their appetite for risk now, there’s reason to believe young adults’ faith in the market will eventually return. Dollar-sign tattoo, anyone? [br] The author is______about young people’s financial future.
选项 A、neutral
B、pessimistic
C、uncertain
D、optimistic
答案 D
解析 态度题。本文最后一段提到30岁以下年轻人中有85％对未来个人经济状况感到乐观。在接受调查的年轻人中，四分之三的人都非常自信能够有足够的钱退休。作者也提到虽然最近的两次经济危机降低了他们的冒险欲，但有理由相信年轻人对市场的信心终将回升。所以作者对这代人的经济还是感到非常乐观的，所以[D]”乐观的”是正确答案。[A]“中立的”、[B]”悲观的”和[C]”不确定的”均不符合文意，故排除。
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