20150228_确保辛勤工作的国人带着尊严退休

Ensuring Hardworking Americans Retire with Dignity (February 28, 2015) 确保辛勤工作的国人带着尊严退休(2015年2月28日) Hi everybody. In America, we believe that a lifetime of hard work and responsibility should be rewarded with a shot at a secure, dignified retirement. It's one of the critical components of middle-class life – and this week, I took new steps to protect it. 大家好.在美国,我们相信辛勤负责任工作的一生,应该得到安全体面的退休生活.这是中产阶层生活的重要组成部分--本周,我采取了新的措施来保护这些. Six years after the crisis that shook a lot of people's faith in a secure retirement, our economy is steadily growing. Last year was the best year for job growth since the 1990s. All told, over the past five years, the private sector has added nearly 12 million new jobs. And since I took office, the stock market has more than doubled, replenishing the 401(k)s of millions of families. 撼动了很多人有关安全退休生活信心的金融危机六年之后,我们的经济正在稳定得增长着.去年是自1990年代以来就业增长的最好年份.合计下来,在过去五年里,私营部门已经提供了将近1200万新的就业岗位.自我就职以来,股市指数已经翻倍了,补充了数百万家庭的401k(一种企业退休金制度)退休金. But while we've come a long way, we've got more work to do to make sure that our recovery reaches more Americans, not just those at the top. That's what middle-class economics is all about -- the idea that this country does best when everyone gets their fair shot, everybody does their fair share, and everyone plays by the same set of rules. 但当我们已经取得了很好的进展,我们有更多的工作要做,确保能让更多的国人感受得到我们的经济复苏,不仅仅是那些最富有的人.这正是中产阶层经济学的意义所在--这一观点就是,这个国家会变得最好,当每一个人都获得公平的机会,每一个人都能获得公平地分享,并且每一个人都遵循相同的规则. That last part -- making sure everyone plays by the same set of rules -- is why we passed historic Wall Street Reform and a Credit Card Bill of Rights. It's why we created a new consumer watchdog agency. It's why we're taking new action to protect hardworking families' retirement security. If you're working hard and putting away money, you should have the peace of mind that the financial advice you're getting is sound and that your investments are protected. 最后一部分--确保每个人都遵循相同的规则--也因此,我们通过了历史性的华尔街改革和信用卡改革法案.也因此,我们设立了新的消费者监督机构.也因此,我们正在采取新的措施,保护辛勤工作家庭可以安全地享受退休生活.如果你辛勤得工作着,并在存钱,你应该获得平和的心态,那就是你获得的金融建议是可靠的,你的投资是受到保护的. But right now, there are no rules of the road. Many financial advisers put their clients' interest first – but some financial advisers get backdoor payments and hidden fees in exchange for steering people into bad investments. All told, bad advice that results from these conflicts of interest costs middle-class and working families about $17 billion every year. 但当下,没有这样的规则.许多的金融顾问把他们客户的利益放在首位--但一些金融顾问获得着后门的支付和隐藏的费用,与之对应的是,操纵着人们进行不谨慎的投资.总计起来,源于利益冲突的这些糟糕的建议,让中产阶层和工薪家庭每年花掉大约$170亿. So this week, I called on the Department of Labor to change that – to update the rules and require that retirement advisers put the best interests of their clients above their own financial interests. Middle-class families cannot afford to lose their hard earned savings after a lifetime of work. They deserve to be treated with fairness and respect. And that's what this rule would do. 本周,我要求劳工部改变这一状况--改变这些规则,要求退休顾问更重视他们客户的利益,而不是他们自己的经济利益.中产家庭承受不起失去他们辛勤工作一生后获得的养老金.他们应该被更公平和尊重地对待.这正是这些规则将要做得. While many financial advisers support these basic safeguards to prevent abuse, I know some special interests will fight this with everything they've got. But while we welcome different perspectives and ideas on how to move forward, what I won't accept is the notion that there's nothing we can do to make sure that hard-working, responsible Americans who scrimp and save can retire with security and dignity. 当众多的金融顾问支持这些基本的保障措施,防止权力被滥用,我知道一些特殊利益集团将用他们拥有的任何力量来阻挠的.但我们欢迎如何向前进中不同的观点和想法,我将不能接受得是这样的想法:我们做不了任何事情,来确保辛勤工作,负责任,节衣缩食的国人安全和有尊严得退休. We're going to keep pushing for this rule, because it's the right thing to do for our workers and for our country. After all, the strength of our economy rests on whether hard-working families can not only share in America's success, but can also contribute to America's success. That's what I will never stop fighting for - an economy where everyone who works hard has the chance to get ahead. 我们将继续推进这些规则的实施,因为这对我们的员工和我们的国家来说是正确的事情.毕竟,我们的经济力量依赖于辛勤工作的家庭不仅可以分享美国的成功,而且可以为美国的成功做出贡献.这也是我将一直奋斗的目标--建设一个这样的经济--每一个辛勤工作的人都有机会获得成功. Thanks, and have a great weekend. 谢谢大家,周末快乐.