一个策略是，想想你每年所需的最低收入是多少，然后看看有没有低成本的年金，可以承诺终生支付至少这个数目。
伯恩哈德说，“年金扮演着非常重要的角色，因为许多年金都会保障收入。有了这些保障，其他的资产冒点风险问题也不会太大。但你得有所付出才能获得这些保障，而且必须密切关注”。
考虑到股市仍处于相对低的水平，而且一些人还需要重建以前的投资组合，因此一些咨询师建议调整投资组合的成分，通过低成本股市指数共同基金来实现更高的股市敞口。
应当从审慎和常识的立场出发来选择投资组织，尤其是退休人员。
伯恩哈德说，“知足比多多益善更重要，如果已经够了，就不应该冒险想再多捞点。”
他还提醒，只能从那些财务状况良好、信用评级可靠的公司购买年金。
核心单词
volatile [5vClEtail] adj. 易变的；反复无常的；轻浮的
emblematic [7embli5mAtik] adj象征的；可当标志的
bargain [5bB:^in] n. 买卖，交易
downturn [`daJnt\:n] n. (经济)衰退，下降
tweak [twi:k] v. 搬移；调整
财经知识一点通
风险敞口(risk exposure)
是指因债务人违约行为导致的可能承受风险的信贷余额，就是指未加保护的风险。
年金(annuity)
是在定期或不定期的时间内一系列的现金流入或流出。参与年金计划是一种很好的投资安排，而提供年金合同的金融机构一般为保险公司和国库券等，比如你购买养老保险，其实就是参与年金合同。年金终值包括各年存入的本金相加以及各年存入的本金所产生的利息，但是，由于这些本金存入的时间不同，所产生的利息也不相同。
翻译行不行
Figuring out how to deal with your retirement portfolio depends on where you are in your life.
That volatility is emblematic of the risk in this cohort of funds.
As you get closer to your retirement years，you want to hold onto the capital you’ve built up over time.
第一章 10 Questions Make Your Career Goal Clear
职业目标，我为你规划
Was last year cruel or kind to you，professionally speaking? Even if your career didn’t take a hit，the tumult of the last few months may have you quaking in your boots over the future.
Career coach Deborah Brown-Volkman reminds fearful workers，“Your career is long！ Some people work for 40，50，or 60 years. Don’t get stuck in the here and now when what is happening at this moment is just a small span in a long career. Instead，create a vision to help you move forward.”
Claim What You Want...
Deciding what you want to do doesn’t happen overnight，but，according to Brown-Volkman，founder of a members-only coaching group to help people reinvent themselves professionally，the process can be simple. She says，“All of life’s journeys begin with the phrase，‘I want...’ It’s a very powerful phrase，and without it，it’s hard to go very far.” The career coach likens your professional journey to a trip，revealing that if you didn’t decide where you wanted to go on vacation，you’d likely wind up at a destination you don’t enjoy.
...Or What You Don’t Want
It’s hard to say what you want when you’re not sure of it. She points out，“The reason certain people can’t answer that question is that it’s too overwhelming. But most folks can say what they DON’T want. They can say，“‘I don’t want to work for a large company，’or‘I don’t want a lengthy commute.’The flip side of what you don’t want is what you do want”.
Fight the Fear...
If creating a vision is so simple，why don’t more people do it? Brown-Volkman reveals，“People are lost and afraid now，and they’re scared to say what they want because they’re afraid of not getting it. When it comes to vision，sometimes people won’t even say what they want unless they know they will get there or how to get there. But you have to create what you want first and then live into it. It’s like a declaration. It takes courage-and a bit of faith.”
Ask Yourself...
Are you ready to build a vision for your desired professional destination? Begin by getting it down on paper. She advises，“I believe if you write down your vision and look at it on a daily basis，it’s more likely it will happen. Start with the following 10 questions. Adds the New York-based career expert. Don’t forget to allow yourself to dream a little bit；it’s OK to do that！”
If anything were possible，what would I want to be different in my career?
What type of job would I want?
What would I want to be responsible for?
What type of boss/coworkers/team would I want?
What kind of hours would I want to work?
What type of company would I want work for?
What sort of culture would I want the company to have?
Which city would I want to live in?
What salary would I want to earn?
What would I want my approach to stress，my workload，and deadlines be?
Get in the Game...
Once you have a vision，start acting on it. Brown-Volkman urges professionals，“Everybody needs a game to play. If you don’t have a game，you get stuck in the day to day. The only way out is to say，‘This is what I want next.’”
就职业方面而言，2008年对你来说是好还是不好呢? 即使你的职业没有受到损害，过去几个月的波动也许让你对未来“双腿发软”吧。
职业生涯教练德博拉·博朗·沃克曼提醒害怕的人们，“你的职业长着呢！有些人工作40、50或60年。漫漫人生路，今天所发生的情况只是一个小小的插曲，不要因此而被困扰。相反，要设定一个远景来帮助你前进”。
说出自己想要的……
决定自己想要从事什么不会在一夜之间想出来，然而，在负责职业培训的会员制辅导团体的创建者博朗-沃克曼看来，这一过程可以变得简单些。她说，“一切探索从‘我想……’开始，这句话非常有力，没有它，就很难深入。”职业生涯教练将职业比喻成一次旅程，如果你从来没想过要去哪里度假，那么你很有可能会到达一个你并不喜欢的目的地。
或者不想要的
当人们不确定的时候去说想要什么就会很难。她指出，“某些人回答不出这个问题的原因是它太‘(远)大’。但是多数人都能说出自己不想要什么。他们会说：‘我不想为大企业工作’或‘我不想上班路途长’，那么不想要的反面就是你想要的了”。
克服恐惧心
如果说设定一个远景是一件容易的事情，那为什么没有更多人去做呢？博朗·沃克曼说：“人们现在迷茫了、害怕了，他们害怕说自己想要什么，因为担心自己得不到。说到远景，有时候，甚至人们除非一定能实现，否则都不愿意说出想要什么。但是你首先要创建一个你想要的，然后融于其中。这就像一次宣言。这需要勇气——外加一点点信念。”
问自己
为一份渴求中的职业目标设定远景，你准备好了吗？把这些都写下来。她说，“我相信如果你将远景写下来，然后每天都看一看，它就可能会实现。”从下面的10个问题开始。 来自纽约的职业专家还说：“别忘了让自己发挥点想象；你可以去梦想！”
如果一切皆为可能，我将希望我的职业生涯有何不同?
我喜欢哪类工作?
我希望对什么负责?
我希望有哪种类型的老板/同事/团队?
我希望在什么时间工作?
我希望为哪类公司工作?
我希望我供职的企业有什么样的企业文化?
我希望生活在哪座城市?
我希望赚多少钱?
我希望如何应对压力、工作量和工作截止时间?
置身于其中……
一旦你有了远景，那就开始行动吧。博朗·沃克曼敦促职业人士，“每个人都需要从事一场游戏，如果你没有加入一个的话，那就会陷入熬日子的状态。摆脱这种状态的唯一方法是说出‘这是我接下来想要的’”。
核心单词
tumult [5tju:mQlt] n.骚乱，骚动
lengthy [5leNWi] adj. 冗长的；啰唆的
commute [kE5mju:t] v. 折合；折偿
vision [5viVEn] n. 幻想，憧憬
stress [stres] n.压力，张力
workload [5wE:klEud] n. 工作量
财经知识一点通
会员制（membership）
是一种人与人或组织与组织之间进行沟通的媒介，它是由某个组织发起并在该组织的管理运作下，吸引客户自愿加入，目的是定期与会员联系，为他们提供具有较高感知价值的利益包。会员制营销目标是通过与会员建立富有感情的关系，不断激发并提高他们的忠诚度。
职业生涯（career）
是一个人的职业经历。职业生涯是以心理开发、生理开发、智力开发、技能开发、伦理开发等人的潜能开发为基础，以满足需求为目标的工作经历和内心体验的经历。
翻译行不行
Don’t get stuck in the here and now when what is happening at this moment is just a small span in a long career.
It’s hard to say what you want when you’re not sure of it.
When it comes to vision，sometimes people won’t even say what they want unless they know they will get there or how to get there.