想说退休不容易：很多老年人疫情期间退休金跌惨了

"疫情爆发时，眼科医生Sklar投资的股票暴跌，他工作的私人诊所为了维持运营开始裁员并启动紧急贷款，而Sklar最终也被减薪了。62岁的他不想冒险看到自己的投资受到更大的冲击，并称自己可能也没有下一个10到15年的时间来挽回投资的损失，可能需要足够的现金来生活。于是在1月到3月初之间，Sklar亏损地卖掉了大部分的股票。
而像Sklar医生这样临近退休的人，此刻也正面临着相同的投资问题：是等待市场潜在的长期回升，还是完全退出。来自富达投资公司的数据显示，数百万人已选择了退出市场。在65岁及以上的投资者中，有近三分之一的人在2月至5月的某个时间段内卖出了他们所持有的所有股票。

在伊利诺伊州，66岁的Philip Eberlin拥有一家拥有一家木制品修复企业，与Sklar不同的是，他的大部分资金都是存款和现金。Philip Eberlin表示，从他的经验中知道，即使在经历了911事件和2007-08年的金融危机之后，股市总是会再次上涨。但Philip Eberlin在上一次金融危机后，一直没有想好何时将更多的资金转回股市，错过了大部分市场惊人的复苏。如今的他已经66岁，自3月底以来，他也因疫情失去了工作，自己也不愿意在此时进入股市投资，不想看到股市40%-50%的暴跌，还是希望求稳。

目前全美还有很多临近退休的人，储蓄和退休金都很少，而Sklar眼科医生和Philip Eberlin都称自己比大多数人幸运。Sklar医生换回部分现金，并继续远程给患者看病。而Sklar也告诉自己30多岁的孩子们，""如果可以的话，要100%投资股票""。但他自己现在的情况，并不打算很快再进入股市了。Philip Eberlin虽没有在股市投入大量现金，但他现在的现金和存款积蓄也能够让他继续生活下去。

评论：股市暴跌时，忍不住买掉股票的人，以及手握现金但是没来得及“抄底”的人，想必都很失望吧。不过，这也充分说明了股市的不可预测性。"

When the epidemic broke out, the stock of the ophthalmologist Sklar's investment plummeted, the private clinics working started to lay off staff and start emergency loans in order to maintain operations, and Sklar was also cut by the clinic. The 62-year-old thinks he can’t risk seeing his investment suffer more, and says he may not have the next 10 to 15 years to recover his investment losses, and sometimes needs enough cash to live. So between January and early March, Sklar sold most of the stock at a loss. And people like Dr. Sklar who are about to retire are now facing the same investment problem: whether to wait for a potential long-term recovery, or to exit the market altogether. Data from Fidelity Investment Company shows that millions of people have opted out of the market. Nearly one-third of investors aged 65 and above sold all their stocks during a certain period from February to May.

In Illinois, 66-year-old Philip Eberlin owns a woodwork restoration business with Sklar differs in that most of his funds are deposits and cash.Philip Eberlin said that from He knows from experience that even after 9/11 and the financial crisis of 2007-08, the stock market will always again upside. But Philip Eberlin hasn't figured out when to move more money back into the stock market since the last financial crisis and missed most of the market's amazing recovery. Now 66 years old, he has also lost his job since the end of March due to the epidemic, and is reluctant to invest in the stock market at this time himself , don't want to see a 40-50% crash in the stock market, still want stability.

At present, there are many people near retirement in the United States, and their savings and pensions are very small. Sklar ophthalmologists and Philip Eberlin both claim to be lucky than most people. Dr. Sklar exchanged part of the cash and continued to see patients remotely. And Sklar also told his children in their 30s, "If you can, you need to invest 100% in stocks." But his current situation does not intend to enter the stock market anytime soon. Although Philip Eberlin did not invest a lot of cash in the stock market, his current cash and deposit savings can also allow him to continue to live.  source

指尖新闻：高信噪比，一目了然

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