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Hi everybody.In America, we believe that a lifetime of hard work and responsibility should be rewarded with a shot at a secure, dignified retirement.It's one of the critical components of middle-class life-and this week, I took new steps to protect it.
大家好！在美國，我們都認為一個人經(jīng)歷一輩子的辛勤付出和擔(dān)當(dāng)之后，應(yīng)該能夠體面地退休、安享晚年。這一點對于中產(chǎn)階級的生活而言至關(guān)重要，本周，我們采取了新的措施來保障人民利益。
Six years after the crisis that shook a lot of people's faith in a secure retirement, our economy is steadily growing.Last year was the best year for job growth since the 1990s.All told, over the past five years, the private sector has added nearly 12 million new jobs.And since I took office, the stock market has more than doubled, replenishing the 401(k)s of millions of families.
金融危機過去6年，動搖了人們對能否安享退休生活的信念，但現(xiàn)在我們的經(jīng)濟正在穩(wěn)步增長。去年是自上世紀90年代以來就業(yè)增長最好的一年。總體而言，過去的5年里，私營部門一共創(chuàng)造了將近1200萬個就業(yè)崗位。自我主政以來，股票市場翻了兩番多，數(shù)百萬家庭的養(yǎng)老金賬戶的資金再次充實起來。
But while we've come a long way, we've got more work to do to make sure that our recovery reaches more Americans, not just those at the top.That's what middle-class economics is all about-the idea that this country does best when everyone gets their fair shot, everybody does their fair share, and everyone plays by the same set of rules.
但盡管我們?nèi)〉昧碎L足的進步，為了讓經(jīng)濟復(fù)蘇惠及更多的美國人民而不僅僅是社會的頂層人士，依然還有大量的事情等著我們?nèi)プ觥＿@正是中產(chǎn)階級經(jīng)濟政策需要解決的問題，這一理念就是，當(dāng)每個人都享有公平的機會、承擔(dān)公平的責(zé)任、遵守共同的規(guī)則時，國家才會發(fā)展的更好。
That last part-making sure everyone plays by the same set of rules-is why we passed historic Wall Street Reform and a Credit Card Bill of Rights. It's why we created a new consumer watchdog agency.And it's why we're taking new action to protect hardworking families' retirement security. If you're working hard and putting away money, you should have the peace of mind that the financial advice you're getting is sound and that your investments are protected.
最后一條，讓每個人都遵守共同的規(guī)則，正是我們歷史性地通過《華爾街改革和信用卡權(quán)益法案》的原因所在。正因如此，我們成立了全新的消費者監(jiān)管保護機構(gòu)。正因如此，我們采取新的措施來保護辛勤付出的工薪家庭的退休保障。如果你一直努力工作，按時存錢，你所得到的理財建議就應(yīng)該是可靠的，讓人心安的，你的投資也應(yīng)該受到保護。
But right now, there are no rules of the road.Many financial advisers put their clients' interest first-but some financial advisers get backdoor payments and hidden fees in exchange for steering people into bad investments.All told, bad advice that results from these conflicts of interest costs middle-class and working families about $17 billion every year.
但現(xiàn)在，在這些方面沒有規(guī)則。盡管大多數(shù)理財規(guī)劃師將客戶的利益放在首位，但依然有部分咨詢?nèi)藛T利用后門和漏洞收錢，讓客戶的投資受損。總之，這些源自于利益沖突的不良的投資建議讓中產(chǎn)家庭和工薪家庭每年損失170億美元。
This week, I called on the Department of Labor to change that-to update the rules and require that retirement advisers put the best interests of their clients above their own financial interests.Middle-class families cannot afford to lose their hard earned savings after a lifetime of work.They deserve to be treated with fairness and respect.And that's what this rule would do.
本周，我指示勞工部改變這一現(xiàn)狀，修訂規(guī)則，要求退休金規(guī)劃師將客戶的利益而不是他們所在金融機構(gòu)的利益放在最高位置。失去一輩子辛勤付出的積蓄，這是中產(chǎn)階級不可承受之重。他們理應(yīng)體面地退休，得到公平的對待。這些就是這一規(guī)則需要做的事情。
While many financial advisers support these basic safeguards to prevent abuse, I know some special interests will fight this with everything they've got.But while we welcome different perspectives and ideas on how to move forward, what I won't accept is the notion that there's nothing we can do to make sure that hard-working, responsible Americans who scrimp and save can retire with security and dignity.
盡管大多理財規(guī)劃師都支持這些基本的保障措施，防止權(quán)力濫用，但我知道，一些特殊利益集團還是會想盡一切辦法來阻撓的。盡管我們歡迎對前進道路不同的看法和建議，但我絕不能接受的是，對確保美國人民體面退休、安享晚年無動于衷，他們辛勤付出、敢于擔(dān)當(dāng)、節(jié)衣縮食、集腋成裘，他們應(yīng)該得到保障，這是原則。
We're going to keep pushing for this rule, because it's the right thing to do for our workers and for our country.The strength of our economy rests on whether hard-working families can not only share in America's success, but can also contribute to America's success.And that's what I will never stop fighting for-an economy where everyone who works hard has the chance to get ahead.
我們將持續(xù)推進這一政策，因為這是對勞動者和國家都有利的事情。我們國家經(jīng)濟發(fā)展的動力，不僅依賴于辛勤付出的家庭能否享受美國的發(fā)展成果，更依賴于人民能否為美國的成功做出自己的貢獻。這是我將繼續(xù)為之奮斗的目標(biāo)，建設(shè)一個讓每個辛勤付出的人都有機會獲得成功的經(jīng)濟體。
Thanks, and have a great weekend.
謝謝大家，祝你們周末愉快。
