It's a well-knownfinancial adage: young people should invest more aggressively because they have more time to recover from short-term losses and more time to reap the benefits of long-term gains. Yet in the aftermath of the recession, Americans in their 30s are either investing too conservatively or aren't investing at all.Despite looming concerns over entitlement cuts, the percentage of workers between the ages of 25 and 35 who say they've saved for retirement has fallen by 22 percent in the last decade, according to the Employee Benefit Research Institute. And those who are investing are now less willing to take risks than their parents. The Investment Company Institute found that only 22 percent of people under 35 arewilling to take above-average investment risk today, compared with 26 percent of people ages 35 to 49. "Our generation has already been burned twice," says Cathy Pareto, a 38-year-old financial adviser in Florida. "We're not as naive as we were in our 20s, but sometimes we're too conservative."
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机译：这是一个众所周知的财务谚语：年轻人应该更加积极地投资，因为他们有更多的时间从短期损失中恢复过来，有更多的时间从长期收益中受益。然而，在经济衰退之后，三十多岁的美国人要么投资过于保守，要么根本没有投资。尽管人们日益担忧减薪，但25岁至35岁的工人表示愿意为之储蓄的比例根据雇员福利研究所的数据，过去十年退休人数下降了22％。现在，那些进行投资的人比父母更不愿意冒险。投资公司协会（Investment Company Institute）发现，如今，只有22％的35岁以下的人愿意承担高于平均水平的投资风险，而26％的35至49岁的人愿意承担这一风险。“我们这一代人已经被烧死了两次，” 38岁的凯西·帕雷托（Cathy Pareto）说。岁的佛罗里达州财务顾问。 “我们不像二十多岁那样幼稚，但是有时候我们太保守了。”
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