退休规划

作为夫妻，你怎么做对退休规划呢？

As a couple what do you do about retirement planning ?

任何人，无论是否是会员，都可以注册并加入到“退休规划”、“老年创业”等具体的话题小组，也可以新建一个群组。

Anyone , member or not , can register to join topic-specific groups such as " retirement planning " and " seniors as entrepreneurs " or start a new group .

W：还有，我们公司还有一项极好的退休规划和医疗保险。

W : Yes , we have an excellent retirement plan and medical insurance as well .

卡洛斯•格林在一家大型共同基金公司负责退休规划业务时，同事们都没想到，他的五张信用卡居然共计欠款约40000美元。

When Carlos Greene worked in retirement planning for a major mutual fund company , none of his colleagues knew that he was carrying nearly $ 40,000 on five different credit cards .

人寿保险作为个人理财规划中一个不可缺少的重要工具，不仅是风险管理的重要组成部分，而且在储蓄和投资规划、遗产规划、教育规划、退休规划、最小税负规划等方面发挥着重要的作用。

Life Insurance as an important and indispensable tool in personal financial planning , it is not only an important component of risk management , but also play an important role in savings and investment planning , estate planning , education planning , retirement planning and tax planning .

理财顾问的职责通常是帮助投资者管理资产、为退休做规划。

Financial planners typically help investors manage their money and plan for retirement .

但退休需要规划和储蓄。

But retirement calls for planning and savings .

三分之一（38%）的中国家长没有人寿保险；另外，50-59岁之间的人中有三分之一的人没有退休养老规划。

A third ( 38 percent ) of Chinese parents do not have life insurance while another third ( 35 percent ) of those aged 50-59 are not saving for retirement .

据悉，30多岁的受访者中有超过37%的人没有任何短期储蓄；三分之一（38%）的中国家长没有人寿保险；另外，50-59岁之间的人中有三分之一的人没有退休养老规划。

Over 37 percent of respondents in their thirties do not have any short-term savings . A third ( 38 percent ) of Chinese parents do not have life insurance while another third ( 35 percent ) of those aged 50-59 are not saving for retirement .

这些外部的第三方供应商网站包括外包旅行预定、管理调查、退休福利与规划、辅导计划和IBM书店等。

These external , third-party vendor Web sites include outsourced travel reservations , management surveys , retirement benefits and planning , a mentoring program , and an IBM bookstore .

从服务管理的角度而言，可以使用此信息来测定服务资产的使用率并据此对服务迁移和“退休”策略进行规划。

From a service management perspective , you can use this information to measure the utilization of the service assets and plan service migration and retirement strategies accordingly .