在股市低迷、上证指数十年零涨幅的情况下,很多人又在打引入新资金入市的算盘了。那可真是一桩风险极大的赌博,也将是对美国401K计划的错误模仿。美国的401K型养老基金,的确是主要投资于股市的,前提是:美国已经有了一个极为健全的养老体系,像一个金字塔,而401K是处于其最顶端的部分。这个养老保障金字塔的塔基,是国家 In the stock market downturn, the Shanghai stock market index rose ten years or so, many people are playing into the new funds into the market. That could be a very risky gamble, and it would be a false imitation of the 401K plan in the United States. The 401 K pension fund in the United States is indeed a major investment in the stock market on the premise that the United States already has a very healthy pension system, like a pyramid, while the 401 K is at the very top. The base of this pension pyramid, is the country