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
13
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] According to Christine Benz, it is wise for young people to______.
选项
A、buy stocks
B、avoid stocks
C、buy bonds
D、save money
答案
A
解析
推理题。第四段第二句“Perhaps not,if they want to live comfortably in retirement.”是针对段首的问题:“从长远利益来看,对于18岁到34岁的年轻人避免股票、囤积基金、把钱存在银行账户的行为是明智的吗?”做出的否定回答,再结合下文晨星网的个人理财部经理Christine Benz的回答“你们需要股票的增长潜力”以及“投资者不可能从债券或债券基金上得到同样的回报”,可以推出Christine Benz认为年轻人购买股票才是明智的,故[A]”购买股票”为正确答案。[B]”避免股票”、[C]”购买基金”和[D]“存款”都是段首那个问句中的疑虑,后面给出了否定回答,所以均不是正确答案。
转载请注明原文地址:https://tihaiku.com/zcyy/3794617.html
相关试题推荐
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Traditionally,weassociatetheearlyyearswithriskybehavior—butonecons
Thejuveniledelinquentwasreleasedin______ofhisgoodbehavior.A、caseB、way
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimporta
随机试题
TheHistoryofEarlyCinemaA)Thehistoryofthecinema
Forthispart,youareallowed30minutestowriteashortessayentitledThere
Youmightthinkthatborrowingamatchuponthestreetisasimplething.Bu
人车混合通行的隧道,一氧化碳浓度为150cm3/m3。
下颌各牙支持力由小到大的顺序是A.1254376 B.1245376 C.1
关于慢性支气管炎的发病因素,以下哪一项是错误的A.呼吸道局部防御功能和免疫功能低
治疗闭经气滞血瘀证,应首选A.血府逐瘀汤 B.温经汤(《妇人良方》) C.膈
因严重违反《传染病防治法》及有关法律规定,按照《刑法》,判处3年以下有期徒刑或拘
B
(2011年真题)项目式组织结构存在的缺点是()。A.项目较多时易出现资源
最新回复
(
0
)