首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Traditionally, we associate the early years with risky behavior—but one consequence of the recession appears to be a shift in th
Traditionally, we associate the early years with risky behavior—but one consequence of the recession appears to be a shift in th
admin
2013-09-23
81
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?
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。
转载请注明原文地址:https://kaotiyun.com/show/UXLK777K
0
专业英语四级
相关试题推荐
Accordingtothisconversation,whichisnotincludedinordertolivealongerlife?
Whensomethinghappenstoshakeourculture—liketheterroristattacks—wepause,notmerelyfromfear.Adeeperself-examination
FamilyandYouthServicesCurrently,thereisagapintheinformationateacherreceivesaboutteachingstudentswithcert
Ifweviewascienceasabodyofsystematizedknowledge,thenchemistryisusuallycalledanaturalsciencebecauseit【C1】____
Publicofficialsandcandidatesforpublicofficeroutinelyusepublicopinionpollstokeeptrackofwhatthepeoplearethinki
Onlytentotwentypercentofcoldvirusesaretransmittedbycarriers,who,sneezingandcoughing,______thevirusesintothe
Theconceptofpersonalchoiceinrelationtohealthbehaviorsisanimportantone.Anestimated90percentofallillnessesmay
Wemusttakepartinphysicallaborinorderto______ourselvesmorecloselywiththeworkingpeople.
Theunrighteousofficerpreferstoresign______partinsuchdishonestbusinessdeals.
Whatdoesthemanthinkaboutcareerconsultation?
随机试题
简述缔约过失责任的构成要件。
活血疗伤药中各药的功效有哪些?
下列病变起源于骨髓及造血组织的是
患者男性,42岁,在房间内因煤气泄露起火烧伤后2小时入院。疼痛剧烈,声嘶,诉口渴,心率150次/min,BP85/60mmHg,面颈部、躯干部布满大小不等水疱,创面基底潮红,双上肢呈焦黄色,无水疱该病人入院后急需要处理的是
内部审计机构应注重对建设项目合同的全过程监督,尤其要关注事前监督,事前监督的重点不包括( )。
劳动法基本原则的特点不包括()。
设f(x)在x=2处连续,且,则曲线y=f(x)在(2,f(2))处的切线方程为________。
GetEnoughSleep—orElse!Agoodnight’ssleepismoreimportanttoyourhealththanyoumayrealize.[A]MeganJoneskne
IcecreambecamepopularinFranceinthe1500s,butonlyamongroyalty.Overthenextfewcenturies,theprocessofmakingthem
A、Theydeliveredapostboxwithsomemessagestoclassmates.B、Theyputtheirwrittenmessagesinamailboxonthatday.C、The
最新回复
(
0
)