奥巴马每周电视讲话:【2015.02.28】让勤劳的人体面地退休

Weekly Address: Ensuring Hardworking Americans Retire with Dignity

每周电视讲话：让勤劳的人体面地退休

WASHINGTON, DC — In this week’s address, the President reiterated 1 his commitment to middle-class economics, and to ensuring that all hard-working Americans get the secure and dignified 2 retirement 3 they deserve.  While most financial advisers 4 prioritize their clients’ futures 5, there are some who direct their clients towards bad investments in return for backdoor payments and hidden fees.  That’s why earlier this week the President announced that he is calling on the Department of Labor 6 to update rules to protect families from conflicts of interest by requiring financial advisers to put their clients’ best interest before their own profits.  The President emphasized his promise to keep fighting for this policy and for others that benefit millions of working and middle class Americans.

华盛顿：在本周的讲话中，奥巴马总统再次强调他对推动中产阶级经济的决心，并再次声明要让辛勤付出的美国人民体面地退休、安度晚年。尽管大多数理财规划师都将客户的未来放在首位，仍然有一些人将客户引入不良投资陷阱，以此获得后门收益和隐藏收费。因此，本周初，总统宣布，他将指示劳工部修订现有政策，保护普通家庭免受这种利益冲突的影响，让理财规划师将客户的利益放在他们自身利益之上。总统强调，他将致力于为施行这一政策和其它有利于数百万工薪家庭和中产家庭的政策而努力奋斗。

Hi everybody.  In America, we believe that a lifetime of hard work and responsibility should be rewarded with a shot at a secure, dignified retirement.  It’s one of the critical components 7 of middle-class life – and this week, I took new steps to protect it.

大家好！在美国，我们都认为一个人经历一辈子的辛勤付出和担当之后，应该能够体面地退休、安享晚年。这一点对于中产阶级的生活而言至关重要，本周，我们采取了新的措施来保障人民利益。

Six years after the crisis that shook a lot of people’s faith in a secure retirement, our economy is steadily 8 growing.  Last year was the best year for job growth since the 1990s.  All told, over the past five years, the private sector 9 has added nearly 12 million new jobs.  And since I took office, the stock market has more than doubled, replenishing the 401(k)s of millions of families.

金融危机过去6年，动摇了人们对能否安享退休生活的信念，但现在我们的经济正在稳步增长。去年是自上世纪90年代以来就业增长最好的一年。总体而言，过去的5年里，私营部门一共创造了将近1200万个就业岗位。自我主政以来，股票市场翻了两番多，数百万家庭的养老金账户的资金再次充实起来。

But while we’ve come a long way, we’ve got more work to do to make sure that our recovery reaches more Americans, not just those at the top.  That’s what middle-class economics is all about—the idea that this country does best when everyone gets their fair shot, everybody does their fair share, and everyone plays by the same set of rules.

但尽管我们取得了长足的进步，为了让经济复苏惠及更多的美国人民而不仅仅是社会的顶层人士，依然还有大量的事情等着我们去做。这正是中产阶级经济政策需要解决的问题，这一理念就是，当每个人都享有公平的机会、承担公平的责任、遵守共同的规则时，国家才会发展的更好。

That last part—making sure everyone plays by the same set of rules—is why we passed historic Wall Street Reform and a Credit Card Bill of Rights.  It’s why we created a new consumer watchdog agency.  And it’s why we’re taking new action to protect hardworking families’ retirement security. If you’re working hard and putting away money, you should have the peace of mind that the financial advice you’re getting is sound and that your investments are protected.

最后一条，让每个人都遵守共同的规则，正是我们历史性地通过《华尔街改革和信用卡权益法案》的原因所在。正因如此，我们成立了全新的消费者监管保护机构。正因如此，我们采取新的措施来保护辛勤付出的工薪家庭的退休保障。如果你一直努力工作，按时存钱，你所得到的理财建议就应该是可靠的，让人心安的，你的投资也应该受到保护。

But right now, there are no rules of the road.  Many financial advisers put their clients’ interest first – but some financial advisers get backdoor payments and hidden fees in exchange for steering 10 people into bad investments.  All told, bad advice that results from these conflicts of interest costs middle-class and working families about $17 billion every year.

但现在，在这些方面没有规则。尽管大多数理财规划师将客户的利益放在首位，但依然有部分咨询人员利用后门和漏洞收钱，让客户的投资受损。总之，这些源自于利益冲突的不良的投资建议让中产家庭和工薪家庭每年损失170亿美元。

This week, I called on the Department of Labor to change that – to update the rules and require that retirement advisers put the best interests of their clients above their own financial interests.  Middle-class families cannot afford to lose their hard earned savings 11 after a lifetime of work.  They deserve to be treated with fairness and respect.  And that’s what this rule would do.

本周，我指示劳工部改变这一现状，修订规则，要求退休金规划师将客户的利益而不是他们所在金融机构的利益放在最高位置。失去一辈子辛勤付出的积蓄，这是中产阶级不可承受之重。他们理应体面地退休，得到公平的对待。这些就是这一规则需要做的事情。

While many financial advisers support these basic safeguards to prevent abuse, I know some special interests will fight this with everything they’ve got.  But while we welcome different perspectives and ideas on how to move forward, what I won’t accept is the notion that there’s nothing we can do to make sure that hard-working, responsible Americans who scrimp and save can retire with security and dignity.

尽管大多理财规划师都支持这些基本的保障措施，防止权力滥用，但我知道，一些特殊利益集团还是会想尽一切办法来阻挠的。尽管我们欢迎对前进道路不同的看法和建议，但我绝不能接受的是，对确保美国人民体面退休、安享晚年无动于衷，他们辛勤付出、敢于担当、节衣缩食、集腋成裘，他们应该得到保障，这是原则。

We’re going to keep pushing for this rule, because it’s the right thing to do for our workers and for our country.  The strength of our economy rests on whether hard-working families can not only share in America’s success, but can also contribute to America’s success.  And that’s what I will never stop fighting for – an economy where everyone who works hard has the chance to get ahead.

我们将持续推进这一政策，因为这是对劳动者和国家都有利的事情。我们国家经济发展的动力，不仅依赖于辛勤付出的家庭能否享受美国的发展成果，更依赖于人民能否为美国的成功做出自己的贡献。这是我将继续为之奋斗的目标，建设一个让每个辛勤付出的人都有机会获得成功的经济体。

Thanks, and have a great weekend.

谢谢大家，祝周末愉快！