在美国总统选举之前只剩下两个月，候选人希拉里克林顿和唐纳德·特朗普have been giving each other plenty of ammunition. Democratic contender Clinton escaped prosecution for using her personal e-mail account to send sensitive information while serving as secretary of State, but the scandal continues to dog her. Meanwhile, the Bill, Hillary & Chelsea Clinton Foundation has drawn fire from Republicans for allegedly accepting money from foreign donors in exchange for political influence.
GOP NOMINEE特朗普在播种争议和混乱时没有懒散。亿万富翁通过将来自妇女和墨西哥人的母亲侮辱到杀死战士英雄的母亲，同时在他的承诺上追溯到数百万非法移民来阻止踩踏者。
在这些分心中，两位候选人都对国家的退休安全差距吻了一点。他们的相对沉默使得严重和不断增长的问题缩小了很短的恐惧。克林顿和特朗普真的想到退休，以及在1月份假设办公室后可能采取的行动是什么？这401(k) plansthey offer to the people who work for them and on their behalf yield a few clues.
Voters have good reason to make retirement an election issue for the two nominees. This year more U.S. corporations face class-action suits for allegedly offering defective 401(k) plans, joining the roughly 1,000 companies that have settled since energy trader Enron Corp. collapsed in 2001, taking its employees’ retirement assets down with the ship because of their heavy investment in company stock. In the past two weeks, more than a dozen major universities have also been slapped with such suits.
与此同时，超过3000万私营部门工人缺乏劳动部门的工作场所退休计划。在有58％的工人中有这样一个计划，只有49％的参与。
To be fair, Clinton did mention Social Security at last month’s Democratic National Convention in Philadelphia. “If you believe we should expand Social Security ... join us,” she told the crowd while accepting her party’s presidential nomination. Later on the campaign trail, Clinton talked about boosting Social Security benefits for low-income widows and providing credits to unpaid caregivers by raising taxes on the wealthy.
鉴于社会保障福利的减少是长期的共和党政策，特朗普尚未提出扩张，但他宣布他将维持金融安全网。“他们想削减你的社会保障。我不是削减社会保障，“他在4月2日在威斯康星州的游戏中发表演讲。“我们会尽可能拯救您的社会保障。”
社会保障是一个基本好处：已经向系统支付的近三分之二的退休美国人，他们的整个工作生命依赖于其收入的至少90％的适度每月付款。尽管如此，退休行业专家长期以来一直推动了更好的方法，以节省未来，而不是往往留下这么多未覆盖的昂贵计划的拼凑而成。
Political sound bites aside, where do Clinton and Trump stand? For some answers, let’s take a look at company 401(k) plans provided by each candidate. Details on these offerings and some 53,000 other defined contribution schemes as of December 31, 2014, appear on the web site ofBrightScope公司是一家位于圣地亚哥的财务信息that tracks U.S. retirement plans, investment advisers and mutual funds.
特朗普Payroll Corp. 401（K）利润分享计划管理资产2700万美元。它的1,500名参与者在房地产巨头的35家中工作，从特朗普国家高尔夫俱乐部，新泽西州的德国·斯特岛，纽约市中心公园的流行溜冰场。
BrightScope给了特朗普薪资公司an overall score of 60 out of 100; the highest-rated plan in its payroll services peer group, which BrightScope won’t reveal, gets an 88. The plan’s employee participation gets a below-average rating, as does its average account balance of $26,000. Brooks Herman, BrightScope’s head of data and research, points out that the lackluster participation rate may stem from the hotel and casino business’s notoriously high turnover.
这majority of the plan’s 39 investment options — the peer group’s average is 20, and the best-in-class standard is between 20 and 25 core fund choices — subsidize most of the expenses of recordkeeper Fidelity Investments through a practice known as revenue sharing. “Thus, most of the investments in the plan arenotthe cheapest share classes of those funds offered,” notes Michael Webb, retirement plan consultant with Cammack Retirement Group, an investment advisory and consulting firm based in New York. Trump Payroll is typical of plans of its size, adds Webb, not the best but far from the worst.
巧合的是，特朗普401（k）与William J. Clinton Foundation Retirement Plan，根据与劳动部提交的表格5500s。由克林顿基金会赞助的后者计划，希拉亚博篮球怎么下串里克林顿最多起着次要作用，自宣布她的候选物质，也使用相同的录音机。但这就是相似之处结束的地方。
这Little Rock, Arkansas–based Clinton plan, whose 750 participants have an average balance of $35,000, achieves a score of 77. Although this plan beats Trump Payroll by 17 points, it barely rises above its own peer group of associations and private foundations. That’s because such organizations typically employ more-affluent workers, who tend to participate in greater numbers and contribute more money than those in the hotel and casino business.
BrightScope赞成克林顿计划的费用相对较低。Cammack的韦伯指出，与特朗普薪酬的50,000美元的计量费相比，记录保存费用似乎比特朗普 - 仅直接支付37,000美元。由于缺乏与富达的收入分享交易，参与者可以选择各种昂贵的机构级资金，包括Vanguard目标日期基金。克林顿计划的另一个实力：它刚刚九核心投资选项，加上Vanguard集团的11个目标日期基金套件。
“这种简化的阵列被认为是当前投资设计中最先进的，因为计划发现参与者渴望投资简单，”韦伯说。几项研究，包括来自马萨诸塞州剑桥的2015年报告国家经济研究局那have also shown that offering too many investment options can lower plan participation rates.
最终，特朗普和克林顿退休储蓄的差异主要是对使用它们的工人的复杂性和富裕的仇恨。对于美国的美国私营部门劳动力，它仍有许多人支持下一位总统将提高退休保障的支持。