特朗普政府拟允许401K和IRA投资高风险资产
Trump admin. proposal would allow 401K and IRA funds to be used in riskier investments
IT'S A PILOT DESIGNED TO EASE THE STRESS OF STUDENTS THE STRESS OF STUDENTS ADJUSTING TO COLLEGE. RIGHT? ADJUSTING TO COLLEGE. RIGHT? IMAGINE SAVING UP ALL YOU CAN IMAGINE SAVING UP ALL YOU CAN FOR RETIREMENT, ONLY TO WATCH FOR RETIREMENT, ONLY TO WATCH SOME OF THAT MONEY VANISH SOME OF THAT MONEY VANISH BECAUSE OF INVESTMENTS YOU MAY BECAUSE OF INVESTMENTS YOU MAY NOT HAVE EVEN KNOWN WERE RISKY. NOT HAVE EVEN KNOWN WERE RISKY.
这是一个旨在缓解学生适应大学压力的试点项目，对吧？想象一下，你为退休攒下所有能攒的钱，却眼睁睁看着其中一部分因为你可能都不知道有风险的投资而消失。
A NEW PROPOSAL BACKED BY A NEW PROPOSAL BACKED BY PRESIDENT TRUMP WOULD MAKE IT PRESIDENT TRUMP WOULD MAKE IT EASIER FOR EVERYRYDAY AMERICANS EASIER FOR EVERYDAY AMERICANS TO PUT 401 K AND IRA MONEY INTO TO PUT 401 K AND IRA MONEY INTO RISKY INVESTMENTS THAT INCLUDE RISKY INVESTMENTS THAT INCLUDE HEDGE FUNDS, PRIVATE EQUITY AND HEDGE FUNDS, PRIVATE EQUITY AND CRYPTOCURRENCY. SUPPORTERS, CRYPTOCURRENCY. SUPPORTERS, INCLUDING THE WHITE HOUSUSE, INCLUDING THE WHITE HOUSE, ARGUE THIS W WOULD GIVE EVERYDAY ARGUE THIS WOULD GIVE EVERYDAY AMERICANS ACCESS TO MORE AMERICANS ACCESS TO MORE INVESTMENTS THAT COULD MAYAYBE, INVESTMENTS THAT COULD MAYBE, JUST M MAYBE, YIELD HIGHER JUST MAYBE, YIELD HIGHER RETURNS.
一项由特朗普总统支持的新提案将使普通美国人更容易将401K和IRA资金投入包括对冲基金、私募股权和加密货币在内的风险投资。支持者，包括白宫，认为这将让普通美国人获得更多可能带来更高回报的投资。
BUT CRITICS STRONGLY RETURNS. BUT CRITICS STRONGLY ARGUE RETIREMENT SAVINGS ARE ARGUE RETIREMENT SAVINGS ARE EXACTLY WHERE PEOPLE SHOULD BE EXACTLY WHERE PEOPLE SHOULD BE MOST PROTECTED FROM RISK. MOST PROTECTED FROM RISK. JOINING US NOW, GRETCHEN JOINING US NOW, GRETCHEN MORGENSON, NBC NEWS MORGENSON, NBC NEWS INVESTIGATIONS SENIOR FINANCIAL INVESTIGATIONS SENIOR FINANCIAL REPORTER. THIS IS S A REALLY REPORTER. THIS IS A REALLY IMPORTANT STORY THAT COULD IMPORTANT STORY THAT COULD AFFECT MILLIONS OFOF AMERICANS.
但批评者强烈认为，退休储蓄恰恰是人们在风险中应该受到最多保护的地方。现在加入我们的是NBC新闻调查高级财经记者格雷琴·莫根森。这是一个非常重要的故事，可能影响数百万美国人。
AFFECT MILLIONS OF AMERICANS. YOU'VE BEEEEN REPORTING ON THIS YOU'VE BEEN REPORTING ON THIS AND UNCOVERED KIND O OF A REAL AND UNCOVERED KIND OF A REAL LIFE CAUTIONARY TALE ABOUT WHAT LIFE CAUTIONARY TALE ABOUT WHAT HAPPENS WHEN A REGULAR INVESTOR HAPPENS WHEN A REGULAR INVESTOR HAS EXPOSURE TO THESE KIND OF HAS EXPOSURE TO THESE KIND OF ASSETS. WHAT DID YOU FIND. ASSETS. WHAT DID YOU FIND.
影响数百万美国人。你一直在报道这件事，并发现了一个关于普通投资者接触这类资产时会发生什么的真实警示故事。你发现了什么？
CHRISTINE, AS THIS PRPROPOSAL
克里斯汀，随着这项提案……
CHRISTINE, AS THIS PROPOSAL ROLLS OUT, I REALLY WANTED TO ROLLS OUT, I REALLY WANTED TO TALK TO PEOPLE WHO HAD BEEN IN TALK TO PEOPLE WHO HAD BEEN IN THIS SITUATION. RIGHT. AND SO I THIS SITUATION. RIGHT. AND SO I FOUND CARPENTERS IN THE STATE FOUND CARPENTERS IN THE STATE OF WASHINGTON WHOSE PENSION AND OF WASHINGTON WHOSE PENSION AND RETIREMENT ACCOUNTS HAD BEEN RETIREMENT ACCOUNTS HAD BEEN INVESTED INTO EXTREMELY INVESTED INTO EXTREMELY VOLATILE, RISKY HEDGE FUNDS VOLATILE, RISKY HEDGE FUNDS THAT BLEW UP AND THEY LOST $250 THAT BLEW UP AND THEY LOST $250 MILLION.
克里斯汀，随着这项提案的推出，我真的很想和那些经历过这种情况的人谈谈。对。所以我找到了华盛顿州的木匠，他们的养老金和退休账户被投资到了极度波动、高风险的对冲基金，这些基金爆雷了，他们损失了2.5亿美元。
AND NOW SOME OF THOSE MILLION. AND NOW SOME OF THOSE CARPENTERS CAN'T AFFORD TO CARPENTERS CAN'T AFFORD TO RETIRE. THEY HAVE TO WORK RETIRE. THEY HAVE TO WORK LONGER. SO THIS IS A REAL LONGER. SO THIS IS A REAL SITUATION. SITUATION.
现在，其中一些木匠负担不起退休。他们不得不工作更长时间。所以这是一个真实的情况。
WHY WOULD PRIVATE EQUITY
为什么私募股权
WHY WOULD PRIVATE EQUITY FIRMS AND HEDGE FUNDS BE FIRMS AND HEDGE F
为什么私募股权公司和对冲基金会
更进一步：量化金融体系
看懂新闻只是起点——沿量化金融路径，把它变成能交付的工程能力