美国退休金信托新规引国会争吵

　　There's a fight in Congress over a new rule that would save Americans an estimated $17 billion a year.

　　最近，美国国会正在为一项新规定吵得面红耳赤。这项规定估计每年将为美国人节约170亿美元。

　　The fiduciary rule would require brokers to act in the best interest of clients who are saving for retirement. Brokers would no longer be allowed to push their clients into high-fee funds just because the fund paid them.

　　The Obama administration thinks that Americans could save more for retirement if their brokers weren't allowed to rip them off. The Financial Services Roundtable, a lobbying organization representing banks that oppose the rule, disagrees. It argues that we can fix the problem of Americans not saving enough money if Americans start saving more money -- 10 percent of their income, to be specific.

　　That's an objective, not a policy. But never fear, the FSR has a plan to promote savings: Giving away free pizza to 100 people in Washington, D.C. The group handed out the free pies at an event last week promoting an initiative called "save-a-slice." You're supposed to "save a slice" of your income for retirement. Get it?

　　Or maybe you'd like enter a contest and win $10,000 from the FSR by submitting a video explaining how you plan to save 10 percent of your income.

　　"Don't want to spend your retirement eating cat food on toast, win $10,000," for creating a video about it, a promo for the contest intones.

　　FSR does have some good ideas -- making retirement plans at companies that offer them automatically enroll employees, for example -- but its big idea is unrealistic. Middle-class incomes have fallen over thelast 15 years, so it's unlikely that regular people have more money to save. The American savings rate, currently just above 5 percent, hasn't been at or above 10 percent for any sustained period in the last 35 years.

　　And telling Americans to save more for retirement while trying to stop a rule that would keep Americans saving for retirement from getting swindled by high-fee funds they don't need is exactly the sort of conflicted advice that costs investors billions.
 

　　1 fiduciary

　　adj.受托的，信托的

　　参考例句：

　　A company director owes a fiduciary duty to the company.公司董事应对公司负责受托人责任。

　　He was acting in a fiduciary capacity.他以受托人身份行为。

　　2 brokers

　　n.(股票、外币等)经纪人( broker的名词复数 );中间人;代理商;(订合同的)中人v.做掮客(或中人等)( broker的第三人称单数 );作为权力经纪人进行谈判;以中间人等身份安排…

　　参考例句：

　　The firm in question was Alsbery & Co., whiskey brokers. 那家公司叫阿尔斯伯里公司，经销威士忌。 来自英汉文学 - 嘉莉妹妹

　　From time to time a telephone would ring in the brokers' offices. 那两排经纪人房间里不时响着叮令的电话。 来自子夜部分

　　3 retirement

　　n.退休，退职

　　参考例句：

　　She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。

　　I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

　　4 savings

　　n.存款，储蓄

　　参考例句：

　　I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。

　　By this time he had used up all his savings.到这时，他的存款已全部用完。

　　5 enroll

　　v.招收;登记;入学;参军;成为会员(英)enrol

　　参考例句：

　　I should like to enroll all my children in the swimming class.我愿意让我的孩子们都参加游泳班。

　　They enroll him as a member of the club.他们吸收他为俱乐部会员。

　　6 investors

　　n.投资者，出资者( investor的名词复数 )

　　参考例句：

　　a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子

　　a cash bonanza for investors 投资者的赚钱机会