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  3. A new report shows that while workers have steadily increased the age at which they expect to retire beyond 65—from 11 percent i

A new report shows that while workers have steadily increased the age at which they expect to retire beyond 65—from 11 percent i

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问题     A new report shows that while workers have steadily increased the age at which they expect to retire beyond 65—from 11 percent in 1991 to 36 percent when the survey was taken—the median retirement age has, in fact, been stuck at 62 since 1991.
    That’s one of the reality checks in the 25 th annual Retirement Confidence Survey by the nonprofit Employee Benefit Research Institute(EBRI). The report, which surveyed both workers and retirees, aged 25 and up: The percentage of workers in retirement plans feeling "very confident" about retiring comfortably doubled from 2013 to 2015, to 28 percent. But just 12 percent of workers without retirement plans are "very confident" about retiring comfortably.
    Those very confident workers with retirement plans aren’t more optimistic without reason. The big jump in confidence shocked EBRI’s director of research, Jack VanDerhei. He looked at the change in account balances in his database of 401(k)plans, which covers 27 million participants. In just the year ending Jan. 1, 2015, gains ranged from a low of 19 percent to a high of 47. 9 percent.
    But whether they’re in a retirement plan or not, many of those surveyed don’t seem to be making big increases to their retirement savings, VanDerhei said. On top of the market gains, workers in 401(k)retirement plans might benefit from having their contributions automatically increased each year. And while 69 percent of workers said they could save $ 25 more a week than they are now, they went on to contradict themselves, as 50 percent also said that the pressure of daily costs means they can’t afford to save additional money.
    One of the most glaring areas in which expectations and reality diverged is in the percentage of income that workers think they’ll need to replace in retirement: 56 percent think they should be able to live on no more than 70 percent of pre-retirement income.
    "I suspect most people are ignoring medical expenses," VanDerhei says. "They magically think Medicare will take care of everything, and very few factor in long-term care expenses. " Once they take the latter into account, he says, that 70 percent estimate blows up, unless they’re lucky enough to have a good long-term care policy. If they’re luckier still and don’t need long-term care, they can probably get away with 100 percent of pre-retirement income. Yet just 10 percent of workers estimated that they’d need more than 95 percent of pre-retirement income in retirement.
    There was some good news in those numbers, too. Thirty-one percent of retirees said they had left the workforce earlier because they could afford it, and 17 percent said a desire to do something else played into retiring earlier than planned. Still, it’s a risky proposition. "If you have a choice, take control of what you can control, and don’t defer the pain until later, when you have zero control over whether you’ll continue to work or not," VanDerhei says.
The 27 million participants in 401(k)plan______.
选项 A、seem to be able to save a large sum of money for their retirement
B、will benefit from the plan as its profit rate rose from 19% to 47. 9%
C、can have their contributions increased annually besides getting market gains
D、can hardly save additional money due to the pressure of daily costs
答案C
解析 细节题。根据题干定位到第四段。关键句：On top of the market gains，workers in 401(k)retirement plans might benefit from having their contfibutions automatically increased each year．“除了获得市场收益外，参与401(k)计划的工人还可以从每年自动增加的缴款中获利。”所以[C]选项正确。由第四段第一句可知“无论是否参与了退休计划，许多受调查者的退休储蓄金数额并没有大的增加”，从原文中推断不出[A]选项，故该选项可排除。[B]选项说“收益率从19％增长到47．9％”，但是原文中只是说了收益率范围，并没有说是增长还是下降，因此[B]选项可排除。[D]选项“生活开支压力太大而攒不下钱”的说法以偏概全，可排除。
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