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- CPLamCPLam
  ·2021-10-22
  [微笑]
  Trump stock DWAC keeps rallying, up 190% in morning trading<blockquote>特朗普股票DWAC继续上涨，早盘上涨190%</blockquote>
  (Oct 22) Trump stock DWAC keeps rallying, up 190% in morning trading.
  Trump stock DWAC keeps rallying, up 190% in morning trading<blockquote>特朗普股票DWAC继续上涨，早盘上涨190%</blockquote>
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- CPLamCPLam
  ·2021-10-07
  [微笑]
  GM Needs to Walk the Tesla Talk<blockquote>通用汽车需要兑现特斯拉的承诺</blockquote>
  The company laid down bullish financial targets at its latest investor conference, particularly for
  GM Needs to Walk the Tesla Talk<blockquote>通用汽车需要兑现特斯拉的承诺</blockquote>
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- CPLamCPLam
  ·2021-10-06
  [微笑]
  BlackRock Is Adding Annuities to 401(k)s<blockquote>贝莱德正在为401(k)计划增加年金</blockquote>
  New retirement product will allow workers to receive stream of payments for the rest of their lives.
  BlackRock Is Adding Annuities to 401(k)s<blockquote>贝莱德正在为401(k)计划增加年金</blockquote>
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- CPLamCPLam
  ·2021-10-04
  [微笑]
  非常抱歉，此主贴已删除
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- CPLamCPLam
  ·2021-10-03
  [微笑]
  非常抱歉，此主贴已删除
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- CPLamCPLam
  ·2021-09-30
  [开心]
  非常抱歉，此主贴已删除
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- CPLamCPLam
  ·2021-09-29
  [微笑]
  非常抱歉，此主贴已删除
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- CPLamCPLam
  ·2021-09-28
  [微笑]
  非常抱歉，此主贴已删除
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- CPLamCPLam
  ·2021-09-22
  [微笑]
  非常抱歉，此主贴已删除
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- CPLamCPLam
  ·2021-09-21
  [微笑]
  U.S. stocks gain at Tuesday's open<blockquote>美国股市周二开盘上涨</blockquote>
  (Sept 21) U.S. stocks gain at Tuesday's open. Dow Jones, S&P and Nasdaq start higher following yeste
  U.S. stocks gain at Tuesday's open<blockquote>美国股市周二开盘上涨</blockquote>
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0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nTrump stock DWAC keeps rallying, up 190% in morning trading<blockquote>特朗普股票DWAC继续上涨，早盘上涨190%</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2021-10-22 21:39</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>(Oct 22)&nbsp;Trump stock DWAC keeps rallying, up 190% in morning trading.</p><p><blockquote>（10月22日）特朗普股票DWAC继续上涨，早盘上涨190%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/6699594961feabf1eabf33617438aa02\" tg-width=\"1049\" tg-height=\"561\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1173157823","content_text":"(Oct 22) Trump stock DWAC keeps rallying, up 190% in morning trading.","news_type":1,"symbols_score_info":{"DWAC":0.9}},"isVote":1,"tweetType":1,"viewCount":3237,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":823819044,"gmtCreate":1633610886295,"gmtModify":1633610886426,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/823819044","repostId":"1154944377","repostType":4,"repost":{"id":"1154944377","kind":"news","pubTimestamp":1633610154,"share":"https://www.laohu8.com/m/news/1154944377?lang=zh_CN&edition=full","pubTime":"2021-10-07 20:35","market":"us","language":"en","title":"GM Needs to Walk the Tesla Talk<blockquote>通用汽车需要兑现特斯拉的承诺</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1154944377","media":"The Wall Street Journal","summary":"The company laid down bullish financial targets at its latest investor conference, particularly for ","content":"<p>  <b>The company laid down bullish financial targets at its latest investor conference, particularly for its autonomous taxi business.</b>  GM painted a wildly ambitious picture of growth at its much-anticipated 2021 investor conference. What investors really need from the company, though, isn’t more talk.</p><p><blockquote><b>该公司在最近的投资者会议上制定了乐观的财务目标，特别是针对其自动驾驶出租车业务。</b>通用汽车在备受期待的2021年投资者会议上描绘了一幅雄心勃勃的增长图景。然而，投资者真正需要的不是该公司更多的言论。</blockquote></p><p> On Wednesday afternoon, the Detroit automotive giant kicked off its first big strategy event since the start of the pandemic by promising to double revenue and raise margins by 2030. These targets form the core of Chief Executive Mary Barra’s boldest bid yet to position GM as a growth-focused technology company rather than a mere manufacturer of light vehicles. As cars become theultimate mobile devices, she wants to be theAppleof the automotive industry, a “platform innovator” with more than $80 billion in revenue from “new businesses” at the end of the decade.</p><p><blockquote>周三下午，这家底特律汽车巨头启动了自疫情爆发以来的首次重大战略活动，承诺到2030年将收入翻一番并提高利润率。这些目标构成了首席执行官玛丽·巴拉(Mary Barra)迄今为止最大胆的努力的核心，该努力将通用汽车定位为一家专注于增长的科技公司，而不仅仅是一家轻型汽车制造商。随着汽车成为终极移动设备，她希望成为汽车行业的苹果，成为一个“平台创新者”，在本世纪末从“新业务”中获得超过800亿美元的收入。</blockquote></p><p> Thevision itselfwasn’t hugely surprising—<a href=\"https://laohu8.com/S/F\">Ford</a>,Volkswagenand Chrysler-owner Stellantis have all talked upnew business opportunitiesin comparable investor days this year—but the numbers were. GM has made $138 billion of revenue annually in the past five years, on average. From that base, it expects roughly 5% annual growth from its traditional business of selling and financing light vehicles, including electric ones, and on top of that exponential growth in a range of complementary services that today mostly remain at the startup stage.</p><p><blockquote>这个景象本身并不令人惊讶——<a href=\"https://laohu8.com/S/F\">福特</a>、大众汽车和克莱斯勒所有者Stellantis都在今年可比的投资者日谈论了新的商机，但数字却是如此。通用汽车在过去五年中平均每年创造1380亿美元的收入。在此基础上，该公司预计其销售和融资轻型汽车（包括电动汽车）的传统业务年增长率约为5%，除此之外，一系列补充服务也将呈指数级增长，这些服务目前大多仍处于启动阶段。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/d5176be7b8e4d47c04af504a2f58747f\" tg-width=\"732\" tg-height=\"513\" referrerpolicy=\"no-referrer\">By far the most mature of these services is OnStar, which GM has built up over 25 years as a roadside-assistance service enabled by wireless technology. It probably accounts for the bulk of the $2 billion in high-margin revenue the company said it makes from subscriptions today. As onboard internet connections and operating systems move in line with the smartphone industry, GM expects that number to rise fast—to between $20 billion and $25 billion by 2030.</p><p><blockquote>到目前为止，这些服务中最成熟的是OnStar，通用汽车已经建立了25年多的无线技术路边援助服务。该公司表示，目前通过订阅获得的20亿美元高利润收入中，它可能占了大部分。随着车载互联网连接和操作系统与智能手机行业保持一致，通用汽车预计这一数字将快速上升——到2030年将达到200亿至250亿美元。</blockquote></p><p> That bullish projection seems almost timid next to GM’s claims for Cruise, the San Francisco based autonomous-vehicle operation it bought in 2016. Dan Ammann, the former investment banker who has run the unit since 2019 and brought in <a href=\"https://laohu8.com/S/HMC\">Honda</a>, SoftBank,MicrosoftandWalmartas minority shareholders, is hoping for $50 billion in revenue by the end of the decade. Cruise is still perfecting the notoriously challenging technology required to offer driverless taxi rides safely to consumers, yet Mr. Ammann expects things to take off after 2023.</p><p><blockquote>与通用汽车于2016年收购的总部位于旧金山的自动驾驶汽车公司Cruise的说法相比，这种乐观的预测似乎有些胆怯。丹·阿曼(Dan Ammann)，前投资银行家，自2019年以来一直负责该部门，并带来了<a href=\"https://laohu8.com/S/HMC\">本田</a>软银、微软和沃尔玛作为少数股东，希望到本十年末营收达到500亿美元。Cruise仍在完善向消费者安全提供无人驾驶出租车所需的众所周知的挑战性技术，但Ammann先生预计事情将在2023年之后起飞。</blockquote></p><p> This is this kind of aspirational futurology that has earned Tesla a cultish following and outsize stock-market valuation. Which is the point: GM’s event was laced with implicit references to challenging the U.S. EV leader.</p><p><blockquote>正是这种充满抱负的未来学为特斯拉赢得了狂热的追随者和巨大的股市估值。这就是重点：通用汽车的活动含蓄地提到了挑战美国电动汽车领导者。</blockquote></p><p> Ms. Barra can’t be blamed for trying to capture as much of the auto-tech excitement as she can, but it remains easier to connect the dots between the present and the future atElon Musk’s company. Whereas Tesla is already growing quickly thanks to popular EVs, GM has shrunk in recent years as part of a strategy of focusing on profits rather than revenues, and this summer it recalled all its Bolt EVs because of fire risks. More than big promises about a still-distant future, the company needs its next-generation flagship models, such as the Cadillac Lyriq due out next year, wowing consumers on the road.</p><p><blockquote>不能责怪巴拉女士试图尽可能多地捕捉汽车技术的兴奋，但将阿特隆·马斯克的公司现在和未来联系起来仍然更容易。尽管由于受欢迎的电动汽车，特斯拉已经在快速增长，但通用汽车近年来作为注重利润而非收入战略的一部分，其规模已经缩小，今年夏天，该公司因火灾风险召回了所有Bolt电动汽车。该公司不仅需要对遥远的未来做出重大承诺，还需要其下一代旗舰车型，例如将于明年推出的凯迪拉克Lyriq，让路上的消费者惊叹不已。</blockquote></p><p> The good news for investors is that none of GM’s growth hopes arebaked into its stock, which fell with the wider market on Wednesday and still trades at a modest eight times forward earnings. If even a small portion of the company’s new business plans bear fruit in the coming years, shareholders could still get a lift.</p><p><blockquote>对投资者来说，好消息是通用汽车的增长希望没有体现在其股票中，该股票周三随大盘下跌，但预期市盈率仍为八倍。即使公司新业务计划的一小部分在未来几年取得成果，股东仍然可以获得提振。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/a1d47c8b6a6e8e274ad3be847af9865f\" tg-width=\"739\" tg-height=\"322\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>GM Needs to Walk the Tesla Talk<blockquote>通用汽车需要兑现特斯拉的承诺</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGM Needs to Walk the Tesla Talk<blockquote>通用汽车需要兑现特斯拉的承诺</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-10-07 20:35</span>\n</p>\n</h4>\n</header>\n<article>\n<p>  <b>The company laid down bullish financial targets at its latest investor conference, particularly for its autonomous taxi business.</b>  GM painted a wildly ambitious picture of growth at its much-anticipated 2021 investor conference. What investors really need from the company, though, isn’t more talk.</p><p><blockquote><b>该公司在最近的投资者会议上制定了乐观的财务目标，特别是针对其自动驾驶出租车业务。</b>通用汽车在备受期待的2021年投资者会议上描绘了一幅雄心勃勃的增长图景。然而，投资者真正需要的不是该公司更多的言论。</blockquote></p><p> On Wednesday afternoon, the Detroit automotive giant kicked off its first big strategy event since the start of the pandemic by promising to double revenue and raise margins by 2030. These targets form the core of Chief Executive Mary Barra’s boldest bid yet to position GM as a growth-focused technology company rather than a mere manufacturer of light vehicles. As cars become theultimate mobile devices, she wants to be theAppleof the automotive industry, a “platform innovator” with more than $80 billion in revenue from “new businesses” at the end of the decade.</p><p><blockquote>周三下午，这家底特律汽车巨头启动了自疫情爆发以来的首次重大战略活动，承诺到2030年将收入翻一番并提高利润率。这些目标构成了首席执行官玛丽·巴拉(Mary Barra)迄今为止最大胆的努力的核心，该努力将通用汽车定位为一家专注于增长的科技公司，而不仅仅是一家轻型汽车制造商。随着汽车成为终极移动设备，她希望成为汽车行业的苹果，成为一个“平台创新者”，在本世纪末从“新业务”中获得超过800亿美元的收入。</blockquote></p><p> Thevision itselfwasn’t hugely surprising—<a href=\"https://laohu8.com/S/F\">Ford</a>,Volkswagenand Chrysler-owner Stellantis have all talked upnew business opportunitiesin comparable investor days this year—but the numbers were. GM has made $138 billion of revenue annually in the past five years, on average. From that base, it expects roughly 5% annual growth from its traditional business of selling and financing light vehicles, including electric ones, and on top of that exponential growth in a range of complementary services that today mostly remain at the startup stage.</p><p><blockquote>这个景象本身并不令人惊讶——<a href=\"https://laohu8.com/S/F\">福特</a>、大众汽车和克莱斯勒所有者Stellantis都在今年可比的投资者日谈论了新的商机，但数字却是如此。通用汽车在过去五年中平均每年创造1380亿美元的收入。在此基础上，该公司预计其销售和融资轻型汽车（包括电动汽车）的传统业务年增长率约为5%，除此之外，一系列补充服务也将呈指数级增长，这些服务目前大多仍处于启动阶段。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/d5176be7b8e4d47c04af504a2f58747f\" tg-width=\"732\" tg-height=\"513\" referrerpolicy=\"no-referrer\">By far the most mature of these services is OnStar, which GM has built up over 25 years as a roadside-assistance service enabled by wireless technology. It probably accounts for the bulk of the $2 billion in high-margin revenue the company said it makes from subscriptions today. As onboard internet connections and operating systems move in line with the smartphone industry, GM expects that number to rise fast—to between $20 billion and $25 billion by 2030.</p><p><blockquote>到目前为止，这些服务中最成熟的是OnStar，通用汽车已经建立了25年多的无线技术路边援助服务。该公司表示，目前通过订阅获得的20亿美元高利润收入中，它可能占了大部分。随着车载互联网连接和操作系统与智能手机行业保持一致，通用汽车预计这一数字将快速上升——到2030年将达到200亿至250亿美元。</blockquote></p><p> That bullish projection seems almost timid next to GM’s claims for Cruise, the San Francisco based autonomous-vehicle operation it bought in 2016. Dan Ammann, the former investment banker who has run the unit since 2019 and brought in <a href=\"https://laohu8.com/S/HMC\">Honda</a>, SoftBank,MicrosoftandWalmartas minority shareholders, is hoping for $50 billion in revenue by the end of the decade. Cruise is still perfecting the notoriously challenging technology required to offer driverless taxi rides safely to consumers, yet Mr. Ammann expects things to take off after 2023.</p><p><blockquote>与通用汽车于2016年收购的总部位于旧金山的自动驾驶汽车公司Cruise的说法相比，这种乐观的预测似乎有些胆怯。丹·阿曼(Dan Ammann)，前投资银行家，自2019年以来一直负责该部门，并带来了<a href=\"https://laohu8.com/S/HMC\">本田</a>软银、微软和沃尔玛作为少数股东，希望到本十年末营收达到500亿美元。Cruise仍在完善向消费者安全提供无人驾驶出租车所需的众所周知的挑战性技术，但Ammann先生预计事情将在2023年之后起飞。</blockquote></p><p> This is this kind of aspirational futurology that has earned Tesla a cultish following and outsize stock-market valuation. Which is the point: GM’s event was laced with implicit references to challenging the U.S. EV leader.</p><p><blockquote>正是这种充满抱负的未来学为特斯拉赢得了狂热的追随者和巨大的股市估值。这就是重点：通用汽车的活动含蓄地提到了挑战美国电动汽车领导者。</blockquote></p><p> Ms. Barra can’t be blamed for trying to capture as much of the auto-tech excitement as she can, but it remains easier to connect the dots between the present and the future atElon Musk’s company. Whereas Tesla is already growing quickly thanks to popular EVs, GM has shrunk in recent years as part of a strategy of focusing on profits rather than revenues, and this summer it recalled all its Bolt EVs because of fire risks. More than big promises about a still-distant future, the company needs its next-generation flagship models, such as the Cadillac Lyriq due out next year, wowing consumers on the road.</p><p><blockquote>不能责怪巴拉女士试图尽可能多地捕捉汽车技术的兴奋，但将阿特隆·马斯克的公司现在和未来联系起来仍然更容易。尽管由于受欢迎的电动汽车，特斯拉已经在快速增长，但通用汽车近年来作为注重利润而非收入战略的一部分，其规模已经缩小，今年夏天，该公司因火灾风险召回了所有Bolt电动汽车。该公司不仅需要对遥远的未来做出重大承诺，还需要其下一代旗舰车型，例如将于明年推出的凯迪拉克Lyriq，让路上的消费者惊叹不已。</blockquote></p><p> The good news for investors is that none of GM’s growth hopes arebaked into its stock, which fell with the wider market on Wednesday and still trades at a modest eight times forward earnings. If even a small portion of the company’s new business plans bear fruit in the coming years, shareholders could still get a lift.</p><p><blockquote>对投资者来说，好消息是通用汽车的增长希望没有体现在其股票中，该股票周三随大盘下跌，但预期市盈率仍为八倍。即使公司新业务计划的一小部分在未来几年取得成果，股东仍然可以获得提振。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/a1d47c8b6a6e8e274ad3be847af9865f\" tg-width=\"739\" tg-height=\"322\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/gm-needs-to-walk-the-tesla-talk-11633609360?mod=rss_markets_main\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉","GM":"通用汽车"},"source_url":"https://www.wsj.com/articles/gm-needs-to-walk-the-tesla-talk-11633609360?mod=rss_markets_main","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1154944377","content_text":"The company laid down bullish financial targets at its latest investor conference, particularly for its autonomous taxi business.\n\nGM painted a wildly ambitious picture of growth at its much-anticipated 2021 investor conference. What investors really need from the company, though, isn’t more talk.\nOn Wednesday afternoon, the Detroit automotive giant kicked off its first big strategy event since the start of the pandemic by promising to double revenue and raise margins by 2030. These targets form the core of Chief Executive Mary Barra’s boldest bid yet to position GM as a growth-focused technology company rather than a mere manufacturer of light vehicles. As cars become theultimate mobile devices, she wants to be theAppleof the automotive industry, a “platform innovator” with more than $80 billion in revenue from “new businesses” at the end of the decade.\nThevision itselfwasn’t hugely surprising—Ford,Volkswagenand Chrysler-owner Stellantis have all talked upnew business opportunitiesin comparable investor days this year—but the numbers were. GM has made $138 billion of revenue annually in the past five years, on average. From that base, it expects roughly 5% annual growth from its traditional business of selling and financing light vehicles, including electric ones, and on top of that exponential growth in a range of complementary services that today mostly remain at the startup stage.\nBy far the most mature of these services is OnStar, which GM has built up over 25 years as a roadside-assistance service enabled by wireless technology. It probably accounts for the bulk of the $2 billion in high-margin revenue the company said it makes from subscriptions today. As onboard internet connections and operating systems move in line with the smartphone industry, GM expects that number to rise fast—to between $20 billion and $25 billion by 2030.\nThat bullish projection seems almost timid next to GM’s claims for Cruise, the San Francisco based autonomous-vehicle operation it bought in 2016. Dan Ammann, the former investment banker who has run the unit since 2019 and brought in Honda, SoftBank,MicrosoftandWalmartas minority shareholders, is hoping for $50 billion in revenue by the end of the decade. Cruise is still perfecting the notoriously challenging technology required to offer driverless taxi rides safely to consumers, yet Mr. Ammann expects things to take off after 2023.\nThis is this kind of aspirational futurology that has earned Tesla a cultish following and outsize stock-market valuation. Which is the point: GM’s event was laced with implicit references to challenging the U.S. EV leader.\nMs. Barra can’t be blamed for trying to capture as much of the auto-tech excitement as she can, but it remains easier to connect the dots between the present and the future atElon Musk’s company. Whereas Tesla is already growing quickly thanks to popular EVs, GM has shrunk in recent years as part of a strategy of focusing on profits rather than revenues, and this summer it recalled all its Bolt EVs because of fire risks. More than big promises about a still-distant future, the company needs its next-generation flagship models, such as the Cadillac Lyriq due out next year, wowing consumers on the road.\nThe good news for investors is that none of GM’s growth hopes arebaked into its stock, which fell with the wider market on Wednesday and still trades at a modest eight times forward earnings. If even a small portion of the company’s new business plans bear fruit in the coming years, shareholders could still get a lift.","news_type":1,"symbols_score_info":{"TSLA":0.9,"GM":0.9}},"isVote":1,"tweetType":1,"viewCount":2696,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":829260780,"gmtCreate":1633515342202,"gmtModify":1633515342386,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/829260780","repostId":"1148090005","repostType":4,"repost":{"id":"1148090005","kind":"news","pubTimestamp":1633514811,"share":"https://www.laohu8.com/m/news/1148090005?lang=zh_CN&edition=full","pubTime":"2021-10-06 18:06","market":"us","language":"en","title":"BlackRock Is Adding Annuities to 401(k)s<blockquote>贝莱德正在为401(k)计划增加年金</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1148090005","media":"The Wall Street Journal","summary":"New retirement product will allow workers to receive stream of payments for the rest of their lives.","content":"<p>  <b>New retirement product will allow workers to receive stream of payments for the rest of their lives.</b>  <b><a href=\"https://laohu8.com/S/BLK\">BlackRock</a></b> is putting annuities in American workers’ 401(k)s.</p><p><blockquote><b>新的退休产品将允许工人在余生中获得源源不断的付款。</b><b><a href=\"https://laohu8.com/S/BLK\">贝莱德</a></b>将年金存入美国工人的401(k)计划。</blockquote></p><p> The investment giant said five employers have signed up for a new retirement product that will allow workers toreceive a stream of paymentsfor the rest of their lives.</p><p><blockquote>这家投资巨头表示，五家雇主已签署了一项新的退休产品，该产品将允许工人在余生中获得一系列付款。</blockquote></p><p> A small number of 401(k) plans currently incorporate annuities. Employers who offer retirement plans worry about annuities’ complexity and their cost—and about being sued if the insurer that stands behind the annuity fails to make payments. A 2019 law nowprotects many employers from legal liability.</p><p><blockquote>目前，少数401(k)计划包含年金。提供退休计划的雇主担心年金的复杂性和成本，以及如果年金背后的保险公司未能付款，他们会被起诉。2019年的一项法律现在保护许多雇主免受法律责任。</blockquote></p><p> BlackRock’s offering is one of the first from a major asset manager since the law passed. Workers at electric utility Tennessee Valley Authority and four other companies will have the new annuity product as the default option in their employee retiree plans. That means collectively around 100,000 U.S. employees with some $7.5 billion in workplace savings stand to eventually get annuities in 401(k)-type plans.</p><p><blockquote>贝莱德的发行是自该法律通过以来大型资产管理公司的首批发行之一。电力公司田纳西河流域管理局和其他四家公司的员工将把新的年金产品作为其员工退休人员计划的默认选项。这意味着总共约10万名拥有约75亿美元工作场所储蓄的美国员工最终将通过401(k)型计划获得年金。</blockquote></p><p> The insurance industry has longpromoted annuities as important retirement vehicles; a saver who accumulated stocks and bonds could outlive her assets, but an annuity keeps paying until death. One problem that remains is cost: Since interest rates are very low, annuity buyers have to turn over a lot of cash up front for a relatively small payment, and fees can add up.</p><p><blockquote>保险业长期以来一直将年金宣传为重要的退休工具；积累股票和债券的储户可能会比她的资产更长寿，但年金会一直支付到去世。仍然存在的一个问题是成本：由于利率非常低，年金购买者必须以相对较少的付款预先上缴大量现金，而且费用可能会增加。</blockquote></p><p> BlackRock, which has $9.5 trillion in assets, isn’t an insurance company; the annuities in its plan will be issued initially by insurers Brighthouse Financial Inc. andEquitable HoldingsInc.BlackRock says it aims to use its clout to negotiate cheaper group rates.</p><p><blockquote>拥有9.5万亿美元资产的贝莱德不是一家保险公司；其计划中的年金最初将由保险公司Brighthouse Financial Inc.和Equitable Holdings Inc.发行。贝莱德表示，其目标是利用其影响力协商更便宜的团体费率。</blockquote></p><p> “We’re sitting between the end-individual and insurance companies, using our aggregation power to face off against the insurance company,” said Mark McCombe, BlackRock’s chief client officer.</p><p><blockquote>贝莱德首席客户官马克·麦库姆(Mark McCombe)表示：“我们处于个人和保险公司之间，利用我们的聚合能力与保险公司对抗。”</blockquote></p><p> The annuities will be part of a new series of BlackRock target-date fund offerings.Target-date funds are the default waymany Americans save for retirement; U.S. target-date mutual fund assets totaled $1.78 trillion in August, according to Morningstar.</p><p><blockquote>这些年金将成为贝莱德新一系列目标日期基金产品的一部分。目标日期基金是许多美国人为退休储蓄的默认方式；根据晨星公司的数据，8月份美国目标日期共同基金资产总额为1.78万亿美元。</blockquote></p><p> Like other target-date funds, BlackRock’s new product will switch from a more stock-heavy to bond-heavy mix as individuals age. It will also invest over time in a pool of annuity contracts. In addition, savers can also use 30% of their 401(k) balance to purchase their own fixed annuity. They can make this choice between the ages of 59 and 72.</p><p><blockquote>与其他目标日期基金一样，随着个人年龄的增长，贝莱德的新产品将从以股票为主转向以债券为主的组合。随着时间的推移，它还将投资于年金合约池。此外，储户还可以用401(k)余额的30%购买自己的固定年金。他们可以在59岁到72岁之间做出这个选择。</blockquote></p><p> The new series of target-date funds, when offered through institutional accounts, will cost an employee roughly 0.1%, or $10 for every $10,000 managed. When the product starts to invest in group annuity contracts, the person’s fees would rise but be capped at 0.16%, according to BlackRock.</p><p><blockquote>当通过机构账户提供时，新系列的目标日期基金将为员工支付大约0.1%的费用，即每管理10,000美元10美元。贝莱德表示，当该产品开始投资团体年金合同时，该人的费用将会上涨，但上限为0.16%。</blockquote></p><p> Fixed annuities traditionally charge around 1% of the account value. The average expense ratio for target-date mutual funds is 0.34%, according to Morningstar.</p><p><blockquote>固定年金传统上收取账户价值的1%左右。根据晨星公司的数据，目标日期共同基金的平均费用率为0.34%。</blockquote></p><p> BlackRock, which manages more than $350 billion in target-date assets, says it hopes to create mutual fund versions of the annuity offering in the future. Rival Vanguard Group, a major target-date fund provider, hasn’t put annuities into such funds.</p><p><blockquote>管理着超过3500亿美元目标日期资产的贝莱德表示，希望在未来创建共同基金版本的年金产品。其竞争对手先锋集团（Vanguard Group）是一家主要的目标日期基金提供商，尚未将年金投入此类基金。</blockquote></p><p> “We do not believe in adding a ‘one-size-fits-all’ annuity allocation,” the world’s No. 2 asset manager said late 2020.</p><p><blockquote>“我们不认为增加‘一刀切’的年金分配，”这家全球第二大资产管理公司在2020年底表示。</blockquote></p><p> About a decade ago, BlackRock couldn’t get traction for a different retirement product that incorporated annuities. But a decade of ultralow interest rates and the continued decline of traditional pension plans have made outliving savings a bigger risk. More than 40% of households headed by people aged 55 through 70lack sufficient resources to maintain their living standard in retirement, according to a 2018&nbsp;Wall Street Journal analysis.</p><p><blockquote>大约十年前，贝莱德无法吸引另一种包含年金的退休产品。但十年的超低利率和传统养老金计划的持续下滑使得储蓄耗尽成为更大的风险。根据《华尔街日报》2018年的一项分析，超过40%的55岁至70岁户主家庭缺乏足够的资源来维持退休后的生活水平。</blockquote></p><p> At a 2018 meeting of top executives, BlackRock Chief Executive Larry Fink asked the firm to address the looming retirement problem, according to people familiar with the matter. Shortly after, BlackRock launched Project Otto, named for Otto von Bismarck, the German chancellor who created a national pension scheme in 1880s.</p><p><blockquote>据知情人士透露，在2018年的一次高管会议上，贝莱德首席执行官拉里·芬克(Larry Fink)要求该公司解决迫在眉睫的退休问题。不久之后，贝莱德推出了奥托项目，该项目以1880年代创建国家养老金计划的德国总理奥托·冯·俾斯麦的名字命名。</blockquote></p><p> Over the years, BlackRock lobbied for legislation that would make companies more comfortable incorporating annuities in 401(k)-type plans.</p><p><blockquote>多年来，贝莱德一直在游说立法，让公司更放心地将年金纳入401(k)型计划。</blockquote></p><p> In 2019, BlackRock approached insurance firms as potential annuity providers for a new retirement product. BlackRock asked that insurers only be paid through the spread between yields they generated by investing the buyers’ money and the monthly payouts they make to annuity holders.</p><p><blockquote>2019年，贝莱德与保险公司接洽，作为新退休产品的潜在年金提供商。贝莱德要求保险公司只能通过投资买家资金产生的收益率与每月向年金持有人支付的款项之间的利差获得报酬。</blockquote></p><p> “Some, maybe more than others, understood what we were trying to achieve,” said Anne Ackerley, the head of BlackRock’s retirement group.</p><p><blockquote>贝莱德退休小组负责人安妮·阿克利(Anne Ackerley)表示：“有些人，也许比其他人更了解我们想要实现的目标。”</blockquote></p><p> BlackRock said that plan participants won’t pay commissions, sales loads or distribution fees for the annuities.</p><p><blockquote>贝莱德表示，计划参与者不会为年金支付佣金、销售费用或分销费。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>BlackRock Is Adding Annuities to 401(k)s<blockquote>贝莱德正在为401(k)计划增加年金</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBlackRock Is Adding Annuities to 401(k)s<blockquote>贝莱德正在为401(k)计划增加年金</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-10-06 18:06</span>\n</p>\n</h4>\n</header>\n<article>\n<p>  <b>New retirement product will allow workers to receive stream of payments for the rest of their lives.</b>  <b><a href=\"https://laohu8.com/S/BLK\">BlackRock</a></b> is putting annuities in American workers’ 401(k)s.</p><p><blockquote><b>新的退休产品将允许工人在余生中获得源源不断的付款。</b><b><a href=\"https://laohu8.com/S/BLK\">贝莱德</a></b>将年金存入美国工人的401(k)计划。</blockquote></p><p> The investment giant said five employers have signed up for a new retirement product that will allow workers toreceive a stream of paymentsfor the rest of their lives.</p><p><blockquote>这家投资巨头表示，五家雇主已签署了一项新的退休产品，该产品将允许工人在余生中获得一系列付款。</blockquote></p><p> A small number of 401(k) plans currently incorporate annuities. Employers who offer retirement plans worry about annuities’ complexity and their cost—and about being sued if the insurer that stands behind the annuity fails to make payments. A 2019 law nowprotects many employers from legal liability.</p><p><blockquote>目前，少数401(k)计划包含年金。提供退休计划的雇主担心年金的复杂性和成本，以及如果年金背后的保险公司未能付款，他们会被起诉。2019年的一项法律现在保护许多雇主免受法律责任。</blockquote></p><p> BlackRock’s offering is one of the first from a major asset manager since the law passed. Workers at electric utility Tennessee Valley Authority and four other companies will have the new annuity product as the default option in their employee retiree plans. That means collectively around 100,000 U.S. employees with some $7.5 billion in workplace savings stand to eventually get annuities in 401(k)-type plans.</p><p><blockquote>贝莱德的发行是自该法律通过以来大型资产管理公司的首批发行之一。电力公司田纳西河流域管理局和其他四家公司的员工将把新的年金产品作为其员工退休人员计划的默认选项。这意味着总共约10万名拥有约75亿美元工作场所储蓄的美国员工最终将通过401(k)型计划获得年金。</blockquote></p><p> The insurance industry has longpromoted annuities as important retirement vehicles; a saver who accumulated stocks and bonds could outlive her assets, but an annuity keeps paying until death. One problem that remains is cost: Since interest rates are very low, annuity buyers have to turn over a lot of cash up front for a relatively small payment, and fees can add up.</p><p><blockquote>保险业长期以来一直将年金宣传为重要的退休工具；积累股票和债券的储户可能会比她的资产更长寿，但年金会一直支付到去世。仍然存在的一个问题是成本：由于利率非常低，年金购买者必须以相对较少的付款预先上缴大量现金，而且费用可能会增加。</blockquote></p><p> BlackRock, which has $9.5 trillion in assets, isn’t an insurance company; the annuities in its plan will be issued initially by insurers Brighthouse Financial Inc. andEquitable HoldingsInc.BlackRock says it aims to use its clout to negotiate cheaper group rates.</p><p><blockquote>拥有9.5万亿美元资产的贝莱德不是一家保险公司；其计划中的年金最初将由保险公司Brighthouse Financial Inc.和Equitable Holdings Inc.发行。贝莱德表示，其目标是利用其影响力协商更便宜的团体费率。</blockquote></p><p> “We’re sitting between the end-individual and insurance companies, using our aggregation power to face off against the insurance company,” said Mark McCombe, BlackRock’s chief client officer.</p><p><blockquote>贝莱德首席客户官马克·麦库姆(Mark McCombe)表示：“我们处于个人和保险公司之间，利用我们的聚合能力与保险公司对抗。”</blockquote></p><p> The annuities will be part of a new series of BlackRock target-date fund offerings.Target-date funds are the default waymany Americans save for retirement; U.S. target-date mutual fund assets totaled $1.78 trillion in August, according to Morningstar.</p><p><blockquote>这些年金将成为贝莱德新一系列目标日期基金产品的一部分。目标日期基金是许多美国人为退休储蓄的默认方式；根据晨星公司的数据，8月份美国目标日期共同基金资产总额为1.78万亿美元。</blockquote></p><p> Like other target-date funds, BlackRock’s new product will switch from a more stock-heavy to bond-heavy mix as individuals age. It will also invest over time in a pool of annuity contracts. In addition, savers can also use 30% of their 401(k) balance to purchase their own fixed annuity. They can make this choice between the ages of 59 and 72.</p><p><blockquote>与其他目标日期基金一样，随着个人年龄的增长，贝莱德的新产品将从以股票为主转向以债券为主的组合。随着时间的推移，它还将投资于年金合约池。此外，储户还可以用401(k)余额的30%购买自己的固定年金。他们可以在59岁到72岁之间做出这个选择。</blockquote></p><p> The new series of target-date funds, when offered through institutional accounts, will cost an employee roughly 0.1%, or $10 for every $10,000 managed. When the product starts to invest in group annuity contracts, the person’s fees would rise but be capped at 0.16%, according to BlackRock.</p><p><blockquote>当通过机构账户提供时，新系列的目标日期基金将为员工支付大约0.1%的费用，即每管理10,000美元10美元。贝莱德表示，当该产品开始投资团体年金合同时，该人的费用将会上涨，但上限为0.16%。</blockquote></p><p> Fixed annuities traditionally charge around 1% of the account value. The average expense ratio for target-date mutual funds is 0.34%, according to Morningstar.</p><p><blockquote>固定年金传统上收取账户价值的1%左右。根据晨星公司的数据，目标日期共同基金的平均费用率为0.34%。</blockquote></p><p> BlackRock, which manages more than $350 billion in target-date assets, says it hopes to create mutual fund versions of the annuity offering in the future. Rival Vanguard Group, a major target-date fund provider, hasn’t put annuities into such funds.</p><p><blockquote>管理着超过3500亿美元目标日期资产的贝莱德表示，希望在未来创建共同基金版本的年金产品。其竞争对手先锋集团（Vanguard Group）是一家主要的目标日期基金提供商，尚未将年金投入此类基金。</blockquote></p><p> “We do not believe in adding a ‘one-size-fits-all’ annuity allocation,” the world’s No. 2 asset manager said late 2020.</p><p><blockquote>“我们不认为增加‘一刀切’的年金分配，”这家全球第二大资产管理公司在2020年底表示。</blockquote></p><p> About a decade ago, BlackRock couldn’t get traction for a different retirement product that incorporated annuities. But a decade of ultralow interest rates and the continued decline of traditional pension plans have made outliving savings a bigger risk. More than 40% of households headed by people aged 55 through 70lack sufficient resources to maintain their living standard in retirement, according to a 2018&nbsp;Wall Street Journal analysis.</p><p><blockquote>大约十年前，贝莱德无法吸引另一种包含年金的退休产品。但十年的超低利率和传统养老金计划的持续下滑使得储蓄耗尽成为更大的风险。根据《华尔街日报》2018年的一项分析，超过40%的55岁至70岁户主家庭缺乏足够的资源来维持退休后的生活水平。</blockquote></p><p> At a 2018 meeting of top executives, BlackRock Chief Executive Larry Fink asked the firm to address the looming retirement problem, according to people familiar with the matter. Shortly after, BlackRock launched Project Otto, named for Otto von Bismarck, the German chancellor who created a national pension scheme in 1880s.</p><p><blockquote>据知情人士透露，在2018年的一次高管会议上，贝莱德首席执行官拉里·芬克(Larry Fink)要求该公司解决迫在眉睫的退休问题。不久之后，贝莱德推出了奥托项目，该项目以1880年代创建国家养老金计划的德国总理奥托·冯·俾斯麦的名字命名。</blockquote></p><p> Over the years, BlackRock lobbied for legislation that would make companies more comfortable incorporating annuities in 401(k)-type plans.</p><p><blockquote>多年来，贝莱德一直在游说立法，让公司更放心地将年金纳入401(k)型计划。</blockquote></p><p> In 2019, BlackRock approached insurance firms as potential annuity providers for a new retirement product. BlackRock asked that insurers only be paid through the spread between yields they generated by investing the buyers’ money and the monthly payouts they make to annuity holders.</p><p><blockquote>2019年，贝莱德与保险公司接洽，作为新退休产品的潜在年金提供商。贝莱德要求保险公司只能通过投资买家资金产生的收益率与每月向年金持有人支付的款项之间的利差获得报酬。</blockquote></p><p> “Some, maybe more than others, understood what we were trying to achieve,” said Anne Ackerley, the head of BlackRock’s retirement group.</p><p><blockquote>贝莱德退休小组负责人安妮·阿克利(Anne Ackerley)表示：“有些人，也许比其他人更了解我们想要实现的目标。”</blockquote></p><p> BlackRock said that plan participants won’t pay commissions, sales loads or distribution fees for the annuities.</p><p><blockquote>贝莱德表示，计划参与者不会为年金支付佣金、销售费用或分销费。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/blackrock-is-adding-annuities-to-401-k-s-11633512600?mod=markets_lead_pos3\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BLK":"贝莱德"},"source_url":"https://www.wsj.com/articles/blackrock-is-adding-annuities-to-401-k-s-11633512600?mod=markets_lead_pos3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1148090005","content_text":"New retirement product will allow workers to receive stream of payments for the rest of their lives.\n\nBlackRock is putting annuities in American workers’ 401(k)s.\nThe investment giant said five employers have signed up for a new retirement product that will allow workers toreceive a stream of paymentsfor the rest of their lives.\nA small number of 401(k) plans currently incorporate annuities. Employers who offer retirement plans worry about annuities’ complexity and their cost—and about being sued if the insurer that stands behind the annuity fails to make payments. A 2019 law nowprotects many employers from legal liability.\nBlackRock’s offering is one of the first from a major asset manager since the law passed. Workers at electric utility Tennessee Valley Authority and four other companies will have the new annuity product as the default option in their employee retiree plans. That means collectively around 100,000 U.S. employees with some $7.5 billion in workplace savings stand to eventually get annuities in 401(k)-type plans.\nThe insurance industry has longpromoted annuities as important retirement vehicles; a saver who accumulated stocks and bonds could outlive her assets, but an annuity keeps paying until death. One problem that remains is cost: Since interest rates are very low, annuity buyers have to turn over a lot of cash up front for a relatively small payment, and fees can add up.\nBlackRock, which has $9.5 trillion in assets, isn’t an insurance company; the annuities in its plan will be issued initially by insurers Brighthouse Financial Inc. andEquitable HoldingsInc.BlackRock says it aims to use its clout to negotiate cheaper group rates.\n“We’re sitting between the end-individual and insurance companies, using our aggregation power to face off against the insurance company,” said Mark McCombe, BlackRock’s chief client officer.\nThe annuities will be part of a new series of BlackRock target-date fund offerings.Target-date funds are the default waymany Americans save for retirement; U.S. target-date mutual fund assets totaled $1.78 trillion in August, according to Morningstar.\nLike other target-date funds, BlackRock’s new product will switch from a more stock-heavy to bond-heavy mix as individuals age. It will also invest over time in a pool of annuity contracts. In addition, savers can also use 30% of their 401(k) balance to purchase their own fixed annuity. They can make this choice between the ages of 59 and 72.\nThe new series of target-date funds, when offered through institutional accounts, will cost an employee roughly 0.1%, or $10 for every $10,000 managed. When the product starts to invest in group annuity contracts, the person’s fees would rise but be capped at 0.16%, according to BlackRock.\nFixed annuities traditionally charge around 1% of the account value. The average expense ratio for target-date mutual funds is 0.34%, according to Morningstar.\nBlackRock, which manages more than $350 billion in target-date assets, says it hopes to create mutual fund versions of the annuity offering in the future. Rival Vanguard Group, a major target-date fund provider, hasn’t put annuities into such funds.\n“We do not believe in adding a ‘one-size-fits-all’ annuity allocation,” the world’s No. 2 asset manager said late 2020.\nAbout a decade ago, BlackRock couldn’t get traction for a different retirement product that incorporated annuities. But a decade of ultralow interest rates and the continued decline of traditional pension plans have made outliving savings a bigger risk. More than 40% of households headed by people aged 55 through 70lack sufficient resources to maintain their living standard in retirement, according to a 2018 Wall Street Journal analysis.\nAt a 2018 meeting of top executives, BlackRock Chief Executive Larry Fink asked the firm to address the looming retirement problem, according to people familiar with the matter. Shortly after, BlackRock launched Project Otto, named for Otto von Bismarck, the German chancellor who created a national pension scheme in 1880s.\nOver the years, BlackRock lobbied for legislation that would make companies more comfortable incorporating annuities in 401(k)-type plans.\nIn 2019, BlackRock approached insurance firms as potential annuity providers for a new retirement product. BlackRock asked that insurers only be paid through the spread between yields they generated by investing the buyers’ money and the monthly payouts they make to annuity holders.\n“Some, maybe more than others, understood what we were trying to achieve,” said Anne Ackerley, the head of BlackRock’s retirement group.\nBlackRock said that plan participants won’t pay commissions, sales loads or distribution fees for the annuities.","news_type":1,"symbols_score_info":{"BLK":0.9}},"isVote":1,"tweetType":1,"viewCount":3091,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":820965337,"gmtCreate":1633342757962,"gmtModify":1633342758144,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/820965337","repostId":"1145326625","repostType":4,"isVote":1,"tweetType":1,"viewCount":2378,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":867806124,"gmtCreate":1633232761890,"gmtModify":1633232762017,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/867806124","repostId":"2172964606","repostType":4,"isVote":1,"tweetType":1,"viewCount":3844,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":865595579,"gmtCreate":1632997334448,"gmtModify":1632997355974,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[开心]&nbsp;","listText":"[开心]&nbsp;","text":"[开心]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/865595579","repostId":"1162074916","repostType":4,"isVote":1,"tweetType":1,"viewCount":2529,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":865911382,"gmtCreate":1632929864654,"gmtModify":1632929896777,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/865911382","repostId":"2171982368","repostType":4,"isVote":1,"tweetType":1,"viewCount":3632,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":862186655,"gmtCreate":1632843349534,"gmtModify":1632843349629,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/862186655","repostId":"1138067474","repostType":4,"isVote":1,"tweetType":1,"viewCount":2833,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":869535456,"gmtCreate":1632301775475,"gmtModify":1632801396645,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/869535456","repostId":"1135042460","repostType":4,"isVote":1,"tweetType":1,"viewCount":4287,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":869995973,"gmtCreate":1632233505192,"gmtModify":1632801889542,"author":{"id":"3582955658777354","authorId":"3582955658777354","name":"CPLam","avatar":"https://static.tigerbbs.com/b60f94547aab59173fe6c47ba3e17cb3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582955658777354","idStr":"3582955658777354"},"themes":[],"htmlText":"[微笑]&nbsp;","listText":"[微笑]&nbsp;","text":"[微笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/869995973","repostId":"1165739145","repostType":4,"repost":{"id":"1165739145","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1632231054,"share":"https://www.laohu8.com/m/news/1165739145?lang=zh_CN&edition=full","pubTime":"2021-09-21 21:30","market":"us","language":"en","title":"U.S. stocks gain at Tuesday's open<blockquote>美国股市周二开盘上涨</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1165739145","media":"Tiger Newspress","summary":"(Sept 21) U.S. stocks gain at Tuesday's open. Dow Jones, S&P and Nasdaq start higher following yeste","content":"<p>(Sept 21)&nbsp;U.S. stocks gain at Tuesday's open.&nbsp;Dow Jones, S&amp;P and Nasdaq start higher following yesterday's selloff.</p><p><blockquote>（九月二十一日）美国。股市周二开盘上涨。继昨天的抛售之后，道琼斯、标准普尔和纳斯达克开盘走高。</blockquote></p><p> Uber shares jumped 7%&nbsp;after raising its outlook&nbsp;for the third quarter.</p><p><blockquote>Uber上调第三季度预期后股价上涨7%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/76c76d195eaa24d0309a2ef2686f857c\" tg-width=\"1110\" tg-height=\"570\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Luckin Coffee surged&nbsp;17%&nbsp;in&nbsp;early&nbsp;trading&nbsp;after&nbsp;it&nbsp;Files Annual Report for Fiscal 2020,&nbsp;it's&nbsp;FY Revenue of $618.1M, representing an increase of 33.3% compared to 2019.</p><p><blockquote>瑞星咖啡在提交2020财年年报后，早盘股价飙升17%，财年营收为6.181亿美元，较2019年增长33.3%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/a3ab3b5d35e96e056850f7b1739d7a86\" tg-width=\"1111\" tg-height=\"568\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p> QuantumScape soars nearly&nbsp;10%&nbsp;after another deal with 'top ten' automaker.</p><p><blockquote>在与“十大”汽车制造商达成另一项交易后，QuantumScape股价飙升近10%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/19b0517a9824a37a70b8f1d10c5f2fd9\" tg-width=\"1111\" tg-height=\"566\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>U.S. stocks gain at Tuesday's open<blockquote>美国股市周二开盘上涨</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ 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0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nU.S. stocks gain at Tuesday's open<blockquote>美国股市周二开盘上涨</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2021-09-21 21:30</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>(Sept 21)&nbsp;U.S. stocks gain at Tuesday's open.&nbsp;Dow Jones, S&amp;P and Nasdaq start higher following yesterday's selloff.</p><p><blockquote>（九月二十一日）美国。股市周二开盘上涨。继昨天的抛售之后，道琼斯、标准普尔和纳斯达克开盘走高。</blockquote></p><p> Uber shares jumped 7%&nbsp;after raising its outlook&nbsp;for the third quarter.</p><p><blockquote>Uber上调第三季度预期后股价上涨7%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/76c76d195eaa24d0309a2ef2686f857c\" tg-width=\"1110\" tg-height=\"570\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Luckin Coffee surged&nbsp;17%&nbsp;in&nbsp;early&nbsp;trading&nbsp;after&nbsp;it&nbsp;Files Annual Report for Fiscal 2020,&nbsp;it's&nbsp;FY Revenue of $618.1M, representing an increase of 33.3% compared to 2019.</p><p><blockquote>瑞星咖啡在提交2020财年年报后，早盘股价飙升17%，财年营收为6.181亿美元，较2019年增长33.3%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/a3ab3b5d35e96e056850f7b1739d7a86\" tg-width=\"1111\" tg-height=\"568\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p> QuantumScape soars nearly&nbsp;10%&nbsp;after another deal with 'top ten' automaker.</p><p><blockquote>在与“十大”汽车制造商达成另一项交易后，QuantumScape股价飙升近10%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/19b0517a9824a37a70b8f1d10c5f2fd9\" tg-width=\"1111\" tg-height=\"566\" referrerpolicy=\"no-referrer\"></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SPY":"标普500ETF",".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1165739145","content_text":"(Sept 21) U.S. stocks gain at Tuesday's open. Dow Jones, S&P and Nasdaq start higher following yesterday's selloff.\nUber shares jumped 7% after raising its outlook for the third quarter.\n\nLuckin Coffee surged 17% in early trading after it Files Annual Report for Fiscal 2020, it's FY Revenue of $618.1M, representing an increase of 33.3% compared to 2019.\n\nQuantumScape soars nearly 10% after another deal with 'top ten' automaker.","news_type":1,"symbols_score_info":{".DJI":0.9,"SPY":0.9,".SPX":0.9,".IXIC":0.9}},"isVote":1,"tweetType":1,"viewCount":2953,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"defaultTab":"followers","isTTM":false}