| There's a saying, I don't know who by, that you should "invest in land, because they don't make it any more." I think that's good advice. Around 2004 there started to be a lot of stories in the media about company pensions and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments. At that point I decided to withdraw my money from my own private pension and put it into property. I figured that if I bought a small office building, then by the time I reached retirement age, I would have paid off the mortgage and could live off the rent, so that's what I did. I realised quite early on that my state pension wasn't going to be sufficient, so I took out a private one when I was about 30. It works like a managed investment fund, a mixture of blue-chip stocks, so I don't really have much say in how the money is invested. Unfortunately, like a lot of private pension schemes, it hasn't really performed as predicted. I think the projected growth rate was between 8 and 12% and it's grown at about 4.5%, which isn't much above inflation. There are signs that the stock markets are doing a little better now, so I'm hopeful that in the long run I will have reasonable funds for my retirement. Would I advise anyone to do the same, with hindsight, probably not . | |
| 有这样一个说法，你应该投资土地，因为它是不可再生的。我想这是很好的建议。2004前后，媒体报道了许多关于公司退休金和私人退休金并没有按所承诺的为退休者提供福利，主要是因为它们与股票市场投资相连。在那时，我决定取出我个人退休金账户中，转而投资房地产。我算过，如果我买一栋小办公楼，到我退休时，我已经付清了贷款，并能靠租金过活。 我很早就发觉我的国家退休金并不足以保证退休后的生活，因为在我30岁时，我取出了个人部分。这就像是托管投资基金，蓝筹股的混合，所以我对于投资没有太多的话要说。很不幸地，像许多个人退休金计划一样，国家退休金的表现并未像预期一样。我想的预期增幅是6%-12%，但实际上是4.5%，明显高于通货膨胀。现在，市场有迹象更看好股票市场。所以我希望在长期，我能有合理的退休资金。我会不会建议别人也这样做？事后看来，不会。 |
| There' s a saying, I don' t know who by, that you should " invest in land, because they don' t make it any more." I think that' s good advice. Around 2004 there started to be a lot of stories in the media about company pensions and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments. At that point I decided to withdraw my money from my own private pension and put it into property. I figured that if I bought a small office building, then by the time I reached retirement age, I would have paid off the mortgage and could live off the rent, so that' s what I did. I realised quite early on that my state pension wasn' t going to be sufficient, so I took out a private one when I was about 30. It works like a managed investment fund, a mixture of bluechip stocks, so I don' t really have much say in how the money is invested. Unfortunately, like a lot of private pension schemes, it hasn' t really performed as predicted. I think the projected growth rate was between 8 and 12 and it' s grown at about 4. 5, which isn' t much above inflation. There are signs that the stock markets are doing a little better now, so I' m hopeful that in the long run I will have reasonable funds for my retirement. Would I advise anyone to do the same, with hindsight, probably not . | |
| you zhe yang yi ge shuo fa, ni ying gai tou zi tu di, yin wei ta shi bu ke zai sheng de. wo xiang zhe shi hen hao de jian yi. 2004 qian hou, mei ti bao dao le xu duo guan yu gong si tui xiu jin he si ren tui xiu jin bing mei you an suo cheng nuo de wei tui xiu zhe ti gong fu li, zhu yao shi yin wei ta men yu gu piao shi chang tou zi xiang lian. zai na shi, wo jue ding qu chu wo ge ren tui xiu jin zhang hu zhong, zhuan er tou zi fang di chan. wo suan guo, ru guo wo mai yi dong xiao ban gong lou, dao wo tui xiu shi, wo yi jing fu qing le dai kuan, bing neng kao zu jin guo huo. wo hen zao jiu fa jue wo de guo jia tui xiu jin bing bu zu yi bao zheng tui xiu hou de sheng huo, yin wei zai wo 30 sui shi, wo qu chu le ge ren bu fen. zhe jiu xiang shi tuo guan tou zi ji jin, lan chou gu de hun he, suo yi wo dui yu tou zi mei you tai duo de hua yao shuo. hen bu xing di, xiang xu duo ge ren tui xiu jin ji hua yi yang, guo jia tui xiu jin de biao xian bing wei xiang yu qi yi yang. wo xiang de yu qi zeng fu shi 6 12, dan shi ji shang shi 4. 5, ming xian gao yu tong huo peng zhang. xian zai, shi chang you ji xiang geng kan hao gu piao shi chang. suo yi wo xi wang zai chang qi, wo neng you he li de tui xiu zi jin. wo hui bu hui jian yi bie ren ye zhe yang zuo? shi hou kan lai, bu hui. |
| There' s a saying, I don' t know who by, that you should " invest in land, because they don' t make it any more." I think that' s good advice. Around 2004 there started to be a lot of stories in the media about company pensions and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments. At that point I decided to withdraw my money from my own private pension and put it into property. I figured that if I bought a small office building, then by the time I reached retirement age, I would have paid off the mortgage and could live off the rent, so that' s what I did. I realised quite early on that my state pension wasn' t going to be sufficient, so I took out a private one when I was about 30. It works like a managed investment fund, a mixture of bluechip stocks, so I don' t really have much say in how the money is invested. Unfortunately, like a lot of private pension schemes, it hasn' t really performed as predicted. I think the projected growth rate was between 8 and 12 and it' s grown at about 4. 5, which isn' t much above inflation. There are signs that the stock markets are doing a little better now, so I' m hopeful that in the long run I will have reasonable funds for my retirement. Would I advise anyone to do the same, with hindsight, probably not . | |
| yǒu zhè yàng yí gè shuō fǎ, nǐ yīng gāi tóu zī tǔ dì, yīn wèi tā shì bù kě zài shēng de. wǒ xiǎng zhè shì hěn hǎo de jiàn yì. 2004 qián hòu, méi tǐ bào dào le xǔ duō guān yú gōng sī tuì xiū jīn hé sī rén tuì xiū jīn bìng méi yǒu àn suǒ chéng nuò de wèi tuì xiū zhě tí gōng fú lì, zhǔ yào shì yīn wèi tā men yǔ gǔ piào shì chǎng tóu zī xiāng lián. zài nà shí, wǒ jué dìng qǔ chū wǒ gè rén tuì xiū jīn zhàng hù zhōng, zhuǎn ér tóu zī fáng dì chǎn. wǒ suàn guò, rú guǒ wǒ mǎi yī dòng xiǎo bàn gōng lóu, dào wǒ tuì xiū shí, wǒ yǐ jīng fù qīng le dài kuǎn, bìng néng kào zū jīn guò huó. wǒ hěn zǎo jiù fā jué wǒ de guó jiā tuì xiū jīn bìng bù zú yǐ bǎo zhèng tuì xiū hòu de shēng huó, yīn wèi zài wǒ 30 suì shí, wǒ qǔ chū le gè rén bù fèn. zhè jiù xiàng shì tuō guǎn tóu zī jī jīn, lán chóu gǔ de hùn hé, suǒ yǐ wǒ duì yú tóu zī méi yǒu tài duō de huà yào shuō. hěn bù xìng dì, xiàng xǔ duō gè rén tuì xiū jīn jì huà yí yàng, guó jiā tuì xiū jīn de biǎo xiàn bìng wèi xiàng yù qī yí yàng. wǒ xiǎng de yù qī zēng fú shì 6 12, dàn shí jì shang shì 4. 5, míng xiǎn gāo yú tōng huò péng zhàng. xiàn zài, shì chǎng yǒu jī xiàng gèng kàn hǎo gǔ piào shì chǎng. suǒ yǐ wǒ xī wàng zài cháng qī, wǒ néng yǒu hé lǐ de tuì xiū zī jīn. wǒ huì bú huì jiàn yì bié rén yě zhè yàng zuò? shì hòu kàn lái, bú huì. |
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