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上期翻译答案

“Young people these dayshave access toinformation and new technologies that other generations haven’t even come close to having,” said Victor Paganotto Carvalho Freitas, 24, from São Paulo, Brazil.

“如今的年轻人接触信息和新技术的机会，对于其他时代的人来说是遥不可及（不敢想象）的，”24岁的来自巴西圣保罗的维克多·帕加诺托·卡瓦略·弗雷塔斯说。

1.access：the right to enter a place, use something, see someone etc

《本期内容》

导读

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我们在应对气候变化方面面临的挑战是艰巨的。美国人为退休储蓄所面临的挑战也是如此。劳工部最近发布的一项建议，对退休计划的监管采取了大胆的新方法，解决了这两个挑战。

双语阅读

Thefiduciaryrules that determine how retirement assets are invested are critical to Americans’ retirement security. The government, through these rules, places important duties on the fiduciaries responsible for retirement plans to act with prudence and in the best interest of plan participants. For too long, though, these rules and their interpretation have limited the ability of retirement plans to consider environmental, social, or governance (ESG) factors in evaluating and making decisions on investments, including which investment options are offered to retirement plan participants.

决定如何利用退休资产投资的受托人规则对美国人的退休保障至关重要。翻译划线句，长按文末小程序码打卡，答案下期公布~然而，长期以来，这些规则及其解释让退休计划在评估和作出投资决定，包括向退休计划嘱托人提供投资选择时，限制了考虑环境、社会或管制因素的能力。

While ESG factors are increasingly recognized today as important elements in evaluating risks and maximizing long-term investor returns — potentially leading to bigger nest eggs for retirees — US rules have discouraged retirement plans from investing in ESG funds. Given the inherent long-term nature of retirement investment, this limitation has in effect prevented retirement savers from considering important long-term factors such as climate risk in retirement investment choices.

尽管环境社会管制因素如今越来越被认为是评估风险和最大化长期投资回报的重要因素——这可能会让退休人员获得更多的储蓄金——但美国规定禁止退休计划对环境社会管制基金投资。考虑到退休投资自带长期性，这种限制实际上阻止了退休储蓄者在做出退休投资选择时考虑重要的长期因素，如气候风险。

Thankfully, this limitation may be ending. The Department of Labor, which is responsible for regulating private sector pension plans, has proposedforward-thinkingnew rules that will significantly increase the ability of retirement plans to consider ESG factors as part of their investment process.

幸好，这种限制可能要结束了。负责监管私营部门养老金计划的美国劳工部提出了具有前瞻性的新规定，将显著提高退休计划在投资过程中将环境社会管制因素纳入考虑的能力。

The proposal is great news for retirement savers. It will ensure that ESG risks are considered by retirement plan sponsors and investors as they choose plan investments. And, the proposed regulation should result in new options for retirement investing that recognize the wide variety of factors driving shareholder value, including climate and other sustainability factors, while fully protecting plan participants, as required by federal pension laws.

这项提议对退休储蓄者来说是个好消息。它将确保退休计划发起人和投资者在选择计划投资时考虑环境社会管制风险。而且，拟议的法规可以让退休投资产生新的选择，即在投资时承认很多其他因素会对股东价值造成影响，包括气候和其他可持续发展因素，同时按照联邦养老金法律的要求，充分保护投资计划嘱托人。

It is encouraging news for the environment too. We already are seeing thedevastatingimpact of climate change, and we owe it to future generations to address the challenge now, before it is too late. Our only option is to commit across society to dramatically reduce release of greenhouse gasses — building anet zero economy— by mid-century. This will require carefulstewardshipof existing capital as well as the deployment of new capital in attractive climate-friendly investments.

这对环境来说也是令人鼓舞的消息。我们已经看到了气候变化的破坏性影响，在事情不可挽回之前，为了子孙后代着想，我们有义务现在就解决这个挑战。我们唯一的选择是全社会承诺大幅减少温室气体的排放——在本世纪中叶形成净零排放的经济。这将需要仔细管理现有的资本，并引导新资本部署至那些有吸引力的气候友好型投资项目中。

本文节选自：The Boston Globe（波士顿环球报）

发布时间：2021.11.09

作者：Ron O’Hanley

原文标题：Retirement savings can now help fight climate change

词汇积累

1.fiduciary

  • 英/fɪ'djuːʃ(ə)rɪ/美/fɪ'djʊʃɪ,ɛri/

  • v. 基于信用的,信托的,受信托的

    n. 被信托者,受托人

    2.devastate

  • 英 /'devəsteɪt/美/'dɛvəstet/

  • vt. 毁坏;使荒芜；在感情上(精神上、财务上等)压垮

    3.stewardship

  • 英/ˈstjʊədʃɪp/美/'stuɚdʃɪp/

  • n. 管事人之职位及职责；管理工作

词组搭配

1.forward-thinking 前瞻性思维

2.net zero economy 净零经济

写作句总结

For too long, though, these rules and their interpretation have limited the ability of retirement plans to consider environmental, social, or governance (ESG) factors in evaluating and making decisions on investments, including which investment options are offered to retirement plan participants.

结构:sth.1 limits the ability of sth.2

sth.1限制了sth.2的能力

例句:Doing the same job repeatedly limits the ability of imagination.

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