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1、外文文獻(xiàn)翻譯譯文一、外文原文原文：原文：ProtectingyourretirementduringajobtransitionAuths:FeyW.DavidIfyouaregoingthroughajobtransition—particularlyifthetransitionisunplannedunexpected—itmightbetemptingtofocusonyourimmediateneedsbutyoushould

2、notlosesightoflongtermgoalsespeciallyyourretirementstrategy.Youremployersponsedretirementplanislikelyakeycomponentofyourretirementstrategy.Duringajobtransitionyouwillusuallyhavethreeoptions:takealumpsumdistributionleavey

3、ourassetsintheemployersponsedplanmoveyourassetsintoarolloverIRA.Takingadirectlumpsumdistributionprovidesyouprovidesyouwithimmediateaccesstoyourmoney.Dependingonyourshttermneedsthatmayappeartobeanattractivealternativebuti

4、twilllikelyresultinsubstantialfederalstateincometaxesa10percentpenaltytaxtotheIRS.whichcansignificantlyreducetheamountofthedistribution.Becauseyoureceivethedistributiondirectlytheplanadministratmustwithholdupto20percento

5、fthevalueofthedistributionffederalincometaxpurposes.Meoveryouwilllosethebeneitofthetaxdeferredstatusoftheseassetswhichcouldreducetheamountultimatelyavailabletoyouatretirement.Decidingtodonothingleavingyourassetsinyourfme

6、remployer’splanwillprotectthetaxdeferredstatusofyourassetsallowyoutotransfertheaccountassetsatalatertimetoanewemployer’sretirementplanthatacceptsrollovers.Butyoumaybelimitingyourinvestmentchoicescontrolbecauseemployerpla

7、nstypicallyhavearestrictedinvestmentmenu.EstablishingarolloverIRAsimultaneouslyaddressestheissuesoftaxationledibilitycontrolmayholdsignificantbenefitsfyouasaresult:distributionruleswhenyoureachage7012.youavoidtheriskoflo

8、singtrackofyourretirementaccountsaccesstotheaccountassetsshouldyourfmeremployermergewithanothercompanygooutofbusiness.Yourfinancialprofessionalcanhelpyouassessyouralternativessoyoucanmakedecisionsbasedonwhat’sbestfyou.Yo

9、umaythatthistimeoftransitionholdsbenefitsfyourretirementassets.Thatopensupanopptunityftheretirementindustrytoinfluencetheoutcomebydemonstratinghowguaranteedlifetimebenefitscanfillanessentialrolewithinretirementplans.This

10、isbeingspurredalongbytheObamaadministration’srecentlyannouncedretirementplaninitiativesf2010callingflifetimeincomeguaranteesin401(k)plans.Whiletheretailannuityspacehashadmuchsuccesswithguaranteedlivingbenefitsthedefinedc

11、ontributionmarketisstillintheearlystagesoftestingwhatinnovationswouldhavethegreatestappealtoplanparticipants.Currentlytheindustryisfocusingonafewdifferentapproaches.Herearesome:Guaranteedlifetimewithdrawalbenefits.Thisis

12、farawaythemostpopularincomeconversionfeatureavailableontheretailannuitysideoftheinsurancebusinesstoday.iginallytheappealoftheGLWBwasitssimplicitylifetimeguaranteealthoughdesignshavenowgrownabitmecomplicated.Buttheiginala

13、ppealmayeasilytransferintotheDCmarketespeciallywhenmarriedtoatargetdatefundseries.GLWBsretainmarketexposuregrowthpotentialasahedgeagainstinflation.Example:A$1000contributionatage55maybeconvertibleintoaminimumguaranteedan

14、nualwithdrawalof$55atage65.Butifthat$1000growstosay$1800byage65itmaybeconvertibleintoaminimumguaranteedannualwithdrawalof$99atage65.Theannualwithdrawalisguaranteedflife.Soeveniftheparticipant’saccountbalanceiseventuallye

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