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Survey after survey indicates that one o...

    Survey after survey indicates that one of our biggest worries in retirement is running out of money. More than a third of retired investors and half who aren’t retired said they worry they will run out of money and be forced to depend on Social Security as their main income source, according to a Wells Fargo-Gallup survey.

You might think that it would make people save more. But few of us even know how much we need to save for a comfortable retirement. However, one way people can feel better about retirement is to start out with as little debt as possible. And that leads us to a question many financial planners are asked by pre-retirees: Should you pay off that mortgage(房贷) before you retire? Unlike many areas of retirement planning, there is no easy answer to this question. The simplest answer is: It depends.

“It’s very dependent on the actual individual,” says Jimmy Lee, chief executive of the Wealth Consulting Group in Las Vegas. “The people who have more reliable sources of income may be more suited to carrying a mortgage,” he says. “Interest rates are a big factor. In today’s low-interest environment, it would make sense to carry a mortgage if your mortgage rate is under 4 percent and you can get an investment rate of 6 percent.”

Mitch Katz, financial adviser and partner at Capital Associates in Bethesda, says having that mortgage paid off helps some people sleep at night. “It’s kind of an emotional thing more than a financial thing,” Katz says. “At the end of the day, financially it makes more sense to not pay off the mortgage. But that’s easy to say in theory and harder in practice.”

“We can control only what we can control,” he says. “You can go to the gym and eat healthy, and walk outside and get hit by a bus. We can’t control that. But, paying off a mortgage, it gives you the ability to pay off other things. Emotionally, it’s very powerful.”

1.How will those depending on Social Security probably feel?

A.Proud B.Awkward

C.Hopeful D.Ignorant

2.What benefit might worry in retirement bring?

A.It may result in more savings. B.It leads to a wiser investment.

C.It will reduce the mortgage greatly. D.It ensures a comfortable retirement.

3.What’s Jimmy Lee’s advice for those carrying a mortgage?

A.Ask financial planners for suggestions.

B.Pay off the mortgage before retirement.

C.Seek new investment opportunities after retirement.

D.Balance the mortgage against the investment return.

4.What does Mitch Katz’s answer focus on?

A.Interest rates B.Mental burden

C.Social changes D.Financial theory

 

1.B 2.A 3.D 4.B 【解析】 这是一篇说明文。据Wells Fargo-Gallup的一项调查,超过三分之一的退休投资者和一半没有退休的人说,他们担心自己的钱会花光,被迫依靠社会保障作为主要收入来源。但很少有人知道我们需要存多少钱才能过上舒适的退休生活,这个问题只能视情况而定。就此Jimmy Lee 和Mitch Katz分别发表了自己的看法。 1.推理判断题。根据第一段中More than a third of retired investors and half who aren’t retired said they worry they will run out of money and be forced to depend on Social Security as their main income source, according to a Wells Fargo-Gallup survey.(据Wells Fargo-Gallup的一项调查,超过三分之一的退休投资者和一半没有退休的人说,他们担心自己的钱会花光,被迫依靠社会保障作为主要收入来源)因为担心钱会花光,不得不依靠社保作为主要收入来源,可知那些依靠社会保障的人对于这一情况会感觉困窘尴尬。故选B。 2.细节理解题。根据第二段中... it would make people save more.... (这会让人们存更多的钱)可知担心退休问题可能会给人们带来更多储蓄的好处。故选A。 3.推理判断题。根据第三段中In today’s low-interest environment, it would make sense to carry a mortgage if your mortgage rate is under 4 percent and you can get an investment rate of 6 percent.(在今天的低利率环境下,如果你的抵押贷款利率低于4%,你可以得到6%的投资利率,那么抵押贷款是有意义的)可知Jimmy Lee对那些抵押贷款的人的建议是平衡抵押贷款和投资回报。故选D。 4.细节理解题。根据倒数第二段中“It’s kind of an emotional thing more than a financial thing,” Katz says.(“这是一种情感上的事情,而不是经济上的事情,” Katz说)可知Mitch Katz的回答关注在精神负担上。故选B。
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