首页
登录
职称英语
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
2024-10-10
2
管理
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] Millennials’ attitude towards investment is______.
选项
A、as risky as before
B、riskier than before
C、as cautious as before
D、more cautious than before
答案
D
解析
推理题。本文第一段前两句表明:“传统上,我们总是把年轻和冒险联系在一起,但是经济衰退的一个结果是18岁到34岁的人处理金钱的方式发生了转变。许多富有的80后表明他们对风险投资的容忍度与一年前相比大大降低”,由此可以推知,年轻人对投资的态度是[D]“比以前更加谨慎”,其他选项均不符合文意,故排除。
转载请注明原文地址:https://tihaiku.com/zcyy/3794614.html
相关试题推荐
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Whatdoesthepassagesayabouttheeatingbehaviorofsharks?[br][originalte
Whatdoesthepassagesayabouttheeatingbehaviorofsharks?[originaltext]
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
随机试题
LackingacureforAIDS,societymustoffereducation,notonlybypublicpr
在windows系统中,若要将文件“D:\user\my.doc"设置成只读属性
( )用于VLAN之间的通信。A.路由器 B.网桥 C.交换机 D.集线
关于气雾剂正确的表述是()。A:按气雾剂相组成可分为一相、二相和三相气雾剂
由于设备校准证书、测试报告的测量结果因为系统误差造成不合格的情况时,在设备使用时
下列有关证券分析师应该受到的管理的说法,正确的是()。A:取得职业证书的人员,
(2020年真题)下列关于我国债劵市场的说法,正确的有( ) Ⅰ、我国债劵交
患儿,10个月。以发热、咳嗽、气促收入院。入院后查体:体温39.5℃,脉搏150
烦热欲去衣被,胸腹温,尿清长,头晕咽干,面浮红如妆,下肢厥冷,舌淡脉弱。此证为(
最新回复
(
0
)