外刊双语比阅：一半的女性预计退休后会花光所有的钱 | 金融时报

教育 2024-09-03 07:57 山东

外刊双语比阅

2024年9月3日

备考加油一战成硕

Half of women ‘expect to

run out of money in retirement

2024年9月1日

考纲单词预背

1. crisis [ˈkraɪsɪs] n. 危机，紧要关头；决定性时刻，关键时刻；（病情的）转折点，危象 adj. 用于处理危机的；crises

2. accord [əˈkɔːd] n. 协议，条约；符合，一致 v. 使受到，给予（某种待遇）；（与……）一致，符合；accords；accords；according；accorded；accorded

3. sustain [səsˈteɪn] v. 维持，保持；维持……的生命；遭受，经受；（在体力或精神方面）支持，支撑；承受住……的重量；证实，证明；认可，赞成，确认；（演员）充分表演（角色，人物），扮演 n. （乐）延音；sustains；sustaining；sustained；sustained

4. poll [pəʊl] n. 民意调查，民意测验；选举投票，计票；投票数；投票点（the polls）；头顶，头皮；无角动物（尤指无角牛） v. 对……进行民意测验（调查）；获得（票数）；（电信，计算机）轮询，探询；截掉（动物，尤指小牛）的角；修枝【名】【名】（poll）（德、匈、罗、英）波尔（人名）；polls；polls；polling；polled；polled

5. fund [fʌnd] n. 基金，专款；资金，钱款；基金会；储备量 v. 资助，为……提供资金【名】（fund)）（德）丰德（人名）；funds；funds；funding；funded；funded

6. essential [ɪˈsenʃəl] adj. 必不可少的，非常重要的；基本的，精髓的；（氨基酸、脂肪酸）必需的；（疾病）自发的，原发的 n. 必不可少的东西，必需品；要素，本质；（某学科的）基础，基本知识；essentials

7. mortgage [ˈmɔːgɪdʒ] n. 按揭，抵押贷款；抵押贷款额 v. 抵押；（为眼前好处）使承受（未来）风险；mortgages；mortgages；mortgaging；mortgaged；mortgaged

8. saving [ˈseɪvɪŋ] n. （钱、时间或其他资源的）节约，节省；储蓄金，存款；保留，例外；存钱 adj. 节约的，节省的；节俭的，省钱的 prep. 除了，除……外【名】（saving）人名，（瑞典）萨温 v. 救援，挽救；节省；保存（sav. 的现在分词形式）；savings

9. significant [sɪgˈnɪfɪkənt] adj. 显著的，相当数量的；重要的，意义重大的；别有含义的，意味深长的 n. 象征，有意义的事物

10. gender [ˈdʒendə] n. 性别；（语法中的）性；（总称）男性，女性；genders；genders；gendering；gendered；gendered

11. prospect [ˈprɒspekt] n. 可能性，希望；预期，展望；（尤指事业的）成功机会，前景；有望成功的人，有前途的人；可能的顾客，潜在的主顾；（尤指从高处看到的）景象，景色；潜在矿藏或矿床 v. 勘探，勘察；寻找（商业机会）；prospects；prospects；prospecting；prospected；prospected

12. financial [faɪˈnænʃəl, ˌfɪ-] adj. 财政的，金融的；有钱的；（俱乐部或社团成员）已缴费的 n. （组织或个人的）财务状况；金融公司股票

13. chancellor [ˈtʃɑːnsələ] n. （英国）财政大臣；（德国或奥地利）总理；（英国大学）名誉校长，（美国大学）校长；法官【名】（chancellor）（英）钱塞勒（人名）；chancellors

14. pledge [pledʒ] n. 誓言，保证，承诺；捐款承诺；戒酒誓言（the pledge）；信物；抵押品；（美国大学中）宣誓加入男生（女生）联谊会的人；为健康祝酒 v. 保证，发誓；使保证，使许诺；承诺给予，承诺提供；用……抵押，以……典押；宣誓加入（大学男生联谊会或女生联谊会）；为健康祝酒【名】（pledge）（英）普莱奇（人名）；pledges；pledges；pledging；pledged；pledged

15. crucial [ˈkruːʃɪəl, ˈkruːʃəl] adj. 至关重要的，决定性的；极好的

16. economic [ˌɪːkəˈnɒmɪk] adj. 经济的，经济学的；有利可图的；节约的

17. ensure [ɪnˈʃʊə] v. 确保，保证；保护，使安全；ensures；ensuring；ensured；ensured

18. regardless [rɪˈgɑːdlɪs] adv. 不顾，不加理会；不管怎样，无论如何 adj. 不管的，不注意的

19. confidence [ˈkɒnfɪdəns] n. 自信，信心；信任，信赖；把握，肯定；保密，机密；秘密，知心话；confidences

20. security [sɪˈkjʊərɪtɪ] n. 保护措施，安全工作；保安部门；安检处；保障，保证；安全，安全感；抵押品，保证金；证券，债券；securities

21. launch [lɔːntʃ, lɑːntʃ] v. 发动，发起；上市，发行；使（船或舰）下水；发射（武器或宇宙飞船）；启动（计算机程序）；投出，用力扔出；使投身于（事业等）；起飞，出海 n. （航天器的）发射；（产品的）上市；（事件的）发起；汽艇，游艇；（新产品，出版物）发布会，推介会；launches；launches；launching；launched；launched

22. impact [ˈɪmpækt] n. 撞击，冲击力；巨大影响，强大作用 v. 冲击，撞击；挤入，压紧；（对……）产生影响

23. additional [əˈdɪʃənl] adj. 附加的，额外的

24. assume [əˈsjuːm] v. 假定，假设，认为；装出，做出；承担，就职；呈现，具有；夺取，篡夺；assumes；assuming；assumed；assumed

25. investment [ɪnˈvestmənt] n. 投资；值得买的东西；（时间、精力的）投入；包围，封锁；investments

26. growth [grəʊθ] n. 成长，生长；增长，发展；肿瘤，赘生物；生长物，产物；种植，栽培 adj. 发展的，增长的；growths

27. inflation [ɪnˈfleɪʃən] n. 通货膨胀，通胀率；充气，膨胀，增大；（宇宙论某些理论）暴涨；夸张，自命不凡

28. compound [ˈkɒmpaʊnd] n. 混合物，化合物；复合词；大院，有围墙的场地 adj. 复合的，混合的；以复利计算的 v. 使加重，使恶化；合成，混合；以复利计算支付；和解，私了；compounds；compounds；compounding；compounded；compounded

29. wage [weɪdʒ] n. 工资，报酬；（经济）工资总额；（喻）报应 v. 进行，发动（战争，运动）；wages；wages；waging；waged；waged

30. boost [buːst] v. 使增长，推动；偷窃；宣扬，推广 n. 推动，促进；广告，宣扬【名】（boost）（英）布斯特，（德）博斯特（人名）；boosts；boosts；boosting；boosted；boosted

31. employer [ɪmˈplɔɪə] n. 雇主；employers

32. enhance [ɪnˈhɑːns] v. 增强，提高，改善；enhances；enhancing；enhanced；enhanced

33. consistent [kənˈsɪstənt] adj. 始终如一的，一贯的；持续的，连续的；固守的，坚持的；一致的，吻合的

34. substantial [səbˈstænʃəl] adj. 大量的，价值巨大的；牢固的，结实的；基本的，实质性的；（饭菜）丰盛的；重要的，真实的；有地位的，富有的 n. 重要材料

□ □ □

考研摸拟练习

Half of women ‘expect to run out of money in retirement

More than half of UK women expect to run out of money during retirement, yet say the cost of living crisis means they cannot afford to make higher pension contributions, according to a stark new report.

Fidelity International’s sixth annual Women and Money study found that 52 per cent of women did not believe they would have enough money to sustain their income in retirement.

The detailed poll of 2,000 UK adults found that more than one in 10 working women (12 per cent) had reduced their pension contributions in the past year, with those who had done so cutting back by an average of ￡173 per month.

Just over half (51 per cent) said the lack of funds after covering their essential expenses, such as rent or mortgage, bills and childcare, prevented them from saving more for retirement, while 22 per cent said they were redirecting funds towards other savings goals, such as buying a home.

Fidelity’s six-year long study shows a “persistent and significant” gender pension gap disproportionately affecting women’s retirement prospects.

Its latest report found the average pension pot of a non-retired woman was worth ￡42,600 — nearly 45 per cent less than the average non-retired man, with a pot worth ￡76,700.

This gap is particularly pronounced among younger adults aged 18-34, where men’s pension savings are nearly double that of women (an average pot for men of ￡59,700 compared with ￡30,400 for women).

Jackie Boylan, head of investor servicing at Fidelity International, said the latest data underlined the stark reality many women face as they navigate a complex financial landscape.

“With so many women feeling concerned that they will not have enough money to sustain their retirement, we must take action to provide better financial education and support systems to help women navigate these challenges,” she said.

“It’s encouraging to see the new chancellor, Rachel Reeves, pledge to address the gender gaps in finance. Closing this gap is a crucial step towards achieving economic equality and requires proactive measures to ensure that all individuals, regardless of gender, can retire with confidence and security.”

Fidelity has launched a Power of Small Amounts online calculator to allow women to model how even small changes could have a significant impact on their final retirement pot.

For example, if a 45-year-old woman earning the average UK salary of ￡28,765 increased her pension contributions by as little as 1 per cent of her salary, this could increase her retirement pot by ￡17,000 at age 68. Contributing an extra 5 per cent of salary could secure an additional ￡85,200 (assuming average annual investment growth of 5 per cent, and not accounting for inflation).

For younger individuals, the impact of small increases could be even greater due to the power of compounding. For a 25-year-old earning the same wage, increasing pension contributions by 1 per cent of salary could lead to an extra ￡74,000 in retirement. Contributing an extra 5 per cent could boost her pension pot by an additional ￡370,200.

These amounts could be even greater if employers offer to match additional staff contributions.

“Our data shows that it is never too late or too early to make meaningful changes to pension contributions,” Boylan added. “Even starting later in life, the effect of small, regular increases can significantly enhance financial security in retirement. For younger savers, beginning early and making consistent contributions — no matter how small — can result in a substantial retirement fund.”

外刊双语剪 考研阅读精选 ↓↓

◇◇◇

开始比阅

0参考↓■women, 女人; ■‘expect, '期待; ■money, 钱; ■retirement, 退休;

Half of women ‘expect to run out of money in retirement

▲参考单词↑↓翻译&考纲单词▼

一半的女性预计退休后会花光所有的钱

1参考↓■women, 女人; ■expect, 期待; ■money, 钱; ■during, 在期间; ■retirement, 退休; ■living, 活的; ■crisis, 危机; ■means, 方法; ■cannot, 不能; ■afford, 负担得起; ■higher, 较高的; ■pension, 退休金; ■contributions, 贡献; ■according, 根据; ■stark, 完全的; ■report, 报告;

More than half of UK women expect to run out of money during retirement, yet say the cost of living crisis means they cannot afford to make higher pension contributions, according to a stark new report.

一份严峻的新报告显示，超过一半的英国女性预计在退休期间会用尽积蓄，但她们表示，生活成本危机使她们无法负担更高的养老金缴费。

1. crisis [ˈkraɪsɪs] n. 危机，紧要关头；决定性时刻，关键时刻；（病情的）转折点，危象 adj. 用于处理危机的；crises

2. accord [əˈkɔːd] n. 协议，条约；符合，一致 v. 使受到，给予（某种待遇）；（与……）一致，符合；accords；accords；according；accorded；accorded

2参考↓■Fidelity, 忠诚; ■International’s, 国际; ■sixth, 第六; ■annual, 每年的; ■Women, 女人; ■Money, 钱; ■study, 学习; ■found, 建立; ■women, 女人; ■believe, 相信; ■would, 将; ■enough, 足够地; ■money, 钱; ■sustain, 维持; ■their, 他们的; ■income, 收入; ■retirement, 退休;

Fidelity International’s sixth annual Women and Money study found that 52 per cent of women did not believe they would have enough money to sustain their income in retirement.

富达国际(Fidelity International)第六次年度女性与金钱研究发现，52%的女性认为自己在退休后没有足够的钱来维持收入。

3参考↓■detailed, 详细的; ■adults, 成人; ■found, 建立; ■working, 工作; ■women, 女人; ■reduced, 减少; ■their, 他们的; ■pension, 退休金; ■contributions, 贡献; ■those, 那些; ■cutting, 切割; ■average, 平均的; ■month, 月;

The detailed poll of 2,000 UK adults found that more than one in 10 working women (12 per cent) had reduced their pension contributions in the past year, with those who had done so cutting back by an average of ￡173 per month.

这项针对2000名英国成年人的详细调查发现，超过十分之一的职业女性（12%）在过去一年中减少了她们的养老金缴款，而这些女性平均每月减少173英镑。

4参考↓■funds, 基金; ■after, 之后; ■covering, 覆盖物; ■their, 他们的; ■essential, 本质的; ■expenses, 开支; ■mortgage, 抵押贷款; ■bills, 账单; ■childcare, 育儿; ■prevented, 防止; ■saving, 节约; ■retirement, 退休; ■while, 虽然; ■redirecting, 重定向; ■funds, 基金; ■towards, 朝着; ■other, 其他; ■savings, 节省; ■goals, 目标; ■buying, 购买;

Just over half (51 per cent) said the lack of funds after covering their essential expenses, such as rent or mortgage, bills and childcare, prevented them from saving more for retirement, while 22 per cent said they were redirecting funds towards other savings goals, such as buying a home.

略高于一半（51%）的人表示，在支付租金或抵押贷款、账单和育儿费用等基本开支后，资金短缺使他们无法为退休储蓄更多，而22%的人表示他们正在将资金转向其他储蓄目标，如购房。

7. mortgage [ˈmɔːgɪdʒ] n. 按揭，抵押贷款；抵押贷款额 v. 抵押；（为眼前好处）使承受（未来）风险；mortgages；mortgages；mortgaging；mortgaged；mortgaged

5参考↓■Fidelity’s, 富达; ■six-year, 六年; ■study, 学习; ■shows, 显示; ■persistent, 坚持不懈; ■significant, 重要的; ■gender, 性别; ■pension, 退休金; ■disproportionately, 不成比例; ■affecting, 影响; ■women’s, 妇女; ■retirement, 退休; ■prospects, 前景;

Fidelity’s six-year long study shows a “persistent and significant” gender pension gap disproportionately affecting women’s retirement prospects.

富达国际进行了为期六年的研究，结果显示存在着“持续且显著”的性别养老金差距，这对女性的退休前景产生了不成比例的影响。

9. significant [sɪgˈnɪfɪkənt] adj. 显著的，相当数量的；重要的，意义重大的；别有含义的，意味深长的 n. 象征，有意义的事物

10. gender [ˈdʒendə] n. 性别；（语法中的）性；（总称）男性，女性；genders；genders；gendering；gendered；gendered

6参考↓■latest, 最新的; ■report, 报告; ■found, 建立; ■average, 平均的; ■pension, 退休金; ■non-retired, 未退休; ■woman, 女人; ■worth, 值得的; ■￡42600, ￡42600; ■nearly, 几乎; ■average, 平均的; ■non-retired, 未退休; ■worth, 值得的; ■￡76700, ￡76700;

Its latest report found the average pension pot of a non-retired woman was worth ￡42,600 — nearly 45 per cent less than the average non-retired man, with a pot worth ￡76,700.

最新报告发现，非退休女性的平均养老金储蓄为42,600英镑，几乎比非退休男性的平均储蓄少45%，后者为76,700英镑。

7参考↓■particularly, 尤其; ■pronounced, 明显的; ■among, 在…之间; ■younger, 较年轻的; ■adults, 成人; ■18-34, 18-34; ■where, 哪里; ■men’s, 男士; ■pension, 退休金; ■savings, 节省; ■nearly, 几乎; ■double, 双重的; ■women, 女人; ■average, 平均的; ■￡59700, ￡59700; ■compared, 相比; ■￡30400, ￡30400; ■women, 女人;

This gap is particularly pronounced among younger adults aged 18-34, where men’s pension savings are nearly double that of women (an average pot for men of ￡59,700 compared with ￡30,400 for women).

这种差距在年龄在18至34岁之间的年轻成年人中尤为明显，男性的养老金储蓄几乎是女性的两倍（男性平均为59,700英镑，而女性为30,400英镑）。

··◇·· 您已读到文章中部，稍憩继续！··◇··

8参考↓■Jackie, 杰基; ■Boylan, 博伊兰; ■investor, 投资者; ■servicing, 服务; ■Fidelity, 忠诚; ■International, 国际; ■latest, 最新的; ■underlined, 下划线的; ■stark, 完全的; ■reality, 现实; ■women, 女人; ■navigate, 导航; ■complex, 复杂的; ■financial, 金融的; ■landscape, 景观;

Jackie Boylan, head of investor servicing at Fidelity International, said the latest data underlined the stark reality many women face as they navigate a complex financial landscape.

富达国际投资者服务部负责人杰基?博伊兰(Jackie Boylan)表示，最新数据突显了许多女性在应对复杂的金融环境时面临的严峻现实。

12. financial [faɪˈnænʃəl, ˌfɪ-] adj. 财政的，金融的；有钱的；（俱乐部或社团成员）已缴费的 n. （组织或个人的）财务状况；金融公司股票

9参考↓■women, 女人; ■feeling, 感觉; ■concerned, 担心的; ■enough, 足够地; ■money, 钱; ■sustain, 维持; ■their, 他们的; ■retirement, 退休; ■action, 行动; ■provide, 提供; ■better, 更好的; ■financial, 金融的; ■education, 教育; ■support, 支持; ■systems, 系统; ■women, 女人; ■navigate, 导航; ■these, 这些; ■challenges, 挑战;

“With so many women feeling concerned that they will not have enough money to sustain their retirement, we must take action to provide better financial education and support systems to help women navigate these challenges,” she said.

她说：“由于许多女性担心自己没有足够的钱来维持退休生活，我们必须采取行动，提供更好的金融教育和支持系统，帮助女性应对这些挑战。”

12. financial [faɪˈnænʃəl, ˌfɪ-] adj. 财政的，金融的；有钱的；（俱乐部或社团成员）已缴费的 n. （组织或个人的）财务状况；金融公司股票

10参考↓■encouraging, 鼓舞人心的; ■chancellor, 财政大臣; ■Rachel, 雷切尔; ■Reeves, Reeves; ■pledge, 誓言; ■address, 地址; ■gender, 性别; ■finance, 金融; ■Closing, 闭幕式; ■crucial, 关键的; ■towards, 朝着; ■achieving, 实现; ■economic, 经济的; ■equality, 平等; ■requires, 要求; ■proactive, 积极主动; ■measures, 措施; ■ensure, 确保; ■individuals, 个人; ■regardless, 不管; ■gender, 性别; ■retire, 退休; ■confidence, 信心; ■security, 安全;

“It’s encouraging to see the new chancellor, Rachel Reeves, pledge to address the gender gaps in finance. Closing this gap is a crucial step towards achieving economic equality and requires proactive measures to ensure that all individuals, regardless of gender, can retire with confidence and security.”

看到新任财政大臣蕾切尔?里夫斯(Rachel Reeves)承诺解决金融领域的性别差距，令人鼓舞。缩小这一差距是实现经济平等的关键一步，需要采取积极措施，确保所有人，无论性别，都能自信、安全地退休。

10. gender [ˈdʒendə] n. 性别；（语法中的）性；（总称）男性，女性；genders；genders；gendering；gendered；gendered

15. crucial [ˈkruːʃɪəl, ˈkruːʃəl] adj. 至关重要的，决定性的；极好的

16. economic [ˌɪːkəˈnɒmɪk] adj. 经济的，经济学的；有利可图的；节约的

17. ensure [ɪnˈʃʊə] v. 确保，保证；保护，使安全；ensures；ensuring；ensured；ensured

18. regardless [rɪˈgɑːdlɪs] adv. 不顾，不加理会；不管怎样，无论如何 adj. 不管的，不注意的

19. confidence [ˈkɒnfɪdəns] n. 自信，信心；信任，信赖；把握，肯定；保密，机密；秘密，知心话；confidences

20. security [sɪˈkjʊərɪtɪ] n. 保护措施，安全工作；保安部门；安检处；保障，保证；安全，安全感；抵押品，保证金；证券，债券；securities

11参考↓■Fidelity, 忠诚; ■launched, 推出; ■Power, 电源; ■Small, 小; ■Amounts, 数量; ■online, 在线的; ■calculator, 计算器; ■allow, 允许; ■women, 女人; ■model, 模型; ■small, 小的; ■changes, 变化; ■could, 能够; ■significant, 重要的; ■impact, 影响; ■their, 他们的; ■final, 最终的; ■retirement, 退休;

Fidelity has launched a Power of Small Amounts online calculator to allow women to model how even small changes could have a significant impact on their final retirement pot.

富达推出了一款“小额力量”在线计算器，让女性能够模拟即使是微小的变化也会对她们最终的退休储备金产生重大影响。

9. significant [sɪgˈnɪfɪkənt] adj. 显著的，相当数量的；重要的，意义重大的；别有含义的，意味深长的 n. 象征，有意义的事物

22. impact [ˈɪmpækt] n. 撞击，冲击力；巨大影响，强大作用 v. 冲击，撞击；挤入，压紧；（对……）产生影响

12参考↓■example, 例子; ■45-year-old, 45岁; ■woman, 女人; ■earning, 收入; ■average, 平均的; ■salary, 薪水; ■￡28765, ￡28765; ■increased, 增加; ■pension, 退休金; ■contributions, 贡献; ■little, 小的; ■salary, 薪水; ■could, 能够; ■increase, 增加; ■retirement, 退休; ■￡17000, ￡17000; ■Contributing, 贡献; ■extra, 额外的; ■salary, 薪水; ■could, 能够; ■secure, 保护; ■additional, 额外的; ■￡85200, ￡85200; ■assuming, 假设; ■average, 平均的; ■annual, 每年的; ■investment, 投资; ■growth, 生长; ■accounting, 会计; ■inflation, 通货膨胀;

For example, if a 45-year-old woman earning the average UK salary of ￡28,765 increased her pension contributions by as little as 1 per cent of her salary, this could increase her retirement pot by ￡17,000 at age 68. Contributing an extra 5 per cent of salary could secure an additional ￡85,200 (assuming average annual investment growth of 5 per cent, and not accounting for inflation).

例如，如果一位45岁的女性，收入为英国的平均工资28,765英镑，将她的养老金缴纳额增加1%的工资，那么在68岁时，她的养老金储蓄额可能增加17,000英镑。如果增加5%的工资作为额外缴纳，可能会获得额外的85,200英镑（假设平均年投资增长率为5%，且不考虑通货膨胀）。

23. additional [əˈdɪʃənl] adj. 附加的，额外的

25. investment [ɪnˈvestmənt] n. 投资；值得买的东西；（时间、精力的）投入；包围，封锁；investments

26. growth [grəʊθ] n. 成长，生长；增长，发展；肿瘤，赘生物；生长物，产物；种植，栽培 adj. 发展的，增长的；growths

27. inflation [ɪnˈfleɪʃən] n. 通货膨胀，通胀率；充气，膨胀，增大；（宇宙论某些理论）暴涨；夸张，自命不凡

13参考↓■younger, 较年轻的; ■individuals, 个人; ■impact, 影响; ■small, 小的; ■increases, 增加; ■could, 能够; ■greater, 更大的; ■power, 权力; ■compounding, 复合; ■25-year-old, 25岁; ■earning, 收入; ■increasing, 增加的; ■pension, 退休金; ■contributions, 贡献; ■salary, 薪水; ■could, 能够; ■extra, 额外的; ■￡74000, ￡74000; ■retirement, 退休; ■Contributing, 贡献; ■extra, 额外的; ■could, 能够; ■boost, 促进; ■pension, 退休金; ■additional, 额外的; ■￡370200, ￡370200;

For younger individuals, the impact of small increases could be even greater due to the power of compounding. For a 25-year-old earning the same wage, increasing pension contributions by 1 per cent of salary could lead to an extra ￡74,000 in retirement. Contributing an extra 5 per cent could boost her pension pot by an additional ￡370,200.

对于年轻人来说，由于复利的作用，小幅度的增加可能会产生更大的影响。对于一个25岁、工资不变的人来说，将养老金缴纳比例增加1%，可能会在退休时多得到74,000英镑。如果增加5%，可能会使她的养老金增加370,200英镑。

22. impact [ˈɪmpækt] n. 撞击，冲击力；巨大影响，强大作用 v. 冲击，撞击；挤入，压紧；（对……）产生影响

23. additional [əˈdɪʃənl] adj. 附加的，额外的

29. wage [weɪdʒ] n. 工资，报酬；（经济）工资总额；（喻）报应 v. 进行，发动（战争，运动）；wages；wages；waging；waged；waged

14参考↓■These, 这些; ■amounts, 数量; ■could, 能够; ■greater, 更大的; ■employers, 雇主; ■offer, 提供; ■match, 比赛; ■additional, 额外的; ■staff, 工作人员; ■contributions, 贡献;

These amounts could be even greater if employers offer to match additional staff contributions.

如果雇主提供与员工额外缴费相匹配的资金，这些金额可能会更大。

23. additional [əˈdɪʃənl] adj. 附加的，额外的

31. employer [ɪmˈplɔɪə] n. 雇主；employers

15参考↓■shows, 显示; ■never, 从未; ■early, 早期的; ■meaningful, 有意义的; ■changes, 变化; ■pension, 退休金; ■contributions, 贡献; ■Boylan, 博伊兰; ■added, 补充; ■starting, 启动; ■later, 后来; ■effect, 影响; ■small, 小的; ■regular, 有规律的; ■increases, 增加; ■significantly, 明显地; ■enhance, 增强; ■financial, 金融的; ■security, 安全; ■retirement, 退休; ■younger, 较年轻的; ■savers, 储蓄者; ■beginning, 开始; ■early, 早期的; ■making, 制作; ■consistent, 一致的; ■contributions, 贡献; ■matter, 问题; ■small, 小的; ■result, 结果; ■substantial, 大量的; ■retirement, 退休;

“Our data shows that it is never too late or too early to make meaningful changes to pension contributions,” Boylan added. “Even starting later in life, the effect of small, regular increases can significantly enhance financial security in retirement. For younger savers, beginning early and making consistent contributions — no matter how small — can result in a substantial retirement fund.”

“我们的数据显示，无论何时开始，对养老金缴纳进行有意义的变更都不会太晚或太早，”博伊兰补充道。“即使在晚年开始，小额定期增加也能显著提高退休时的财务安全。对于年轻的储蓄者来说，尽早开始并持续缴纳——无论金额多小——都可以积累可观的退休基金。”

9. significant [sɪgˈnɪfɪkənt] adj. 显著的，相当数量的；重要的，意义重大的；别有含义的，意味深长的 n. 象征，有意义的事物

12. financial [faɪˈnænʃəl, ˌfɪ-] adj. 财政的，金融的；有钱的；（俱乐部或社团成员）已缴费的 n. （组织或个人的）财务状况；金融公司股票

20. security [sɪˈkjʊərɪtɪ] n. 保护措施，安全工作；保安部门；安检处；保障，保证；安全，安全感；抵押品，保证金；证券，债券；securities

32. enhance [ɪnˈhɑːns] v. 增强，提高，改善；enhances；enhancing；enhanced；enhanced

33. consistent [kənˈsɪstənt] adj. 始终如一的，一贯的；持续的，连续的；固守的，坚持的；一致的，吻合的

单词/模拟练习

Fidelity has launched a Power of Small Amounts online calculator to allow women to model how even small changes could have a significant impact on their final retirement pot.

主句是主谓宾结构（Fidelity has launched a Power of Small Amounts online calculator），to allow women to model how中，第一个不定式做目的状语，第二个不定式做宾语补足语，how引导宾语从句。on their final retirement pot是介宾短语做定语。

富达推出了一款“小额力量”在线计算器，让女性能够模拟即使是微小的变化也会对她们最终的退休储备金产生重大影响。

学习pension的用法。这个词做名词，表示an amount of money paid regularly by the government or company to someone who does not work anymore, for example because they have reached the age when people stop working or because they are ill，养老金，退休金。

考研英语外刊君

考研英语，外刊双语阅读，双语比阅，英语四六级考试，职称英语考试，高考英语阅读。双语杂志，双语精选，双语精读，卫报，今日心理学，金融时报，大西洋月刊，经济学人，时代周刊，纽约时报，自然杂志等。