美国总统奥巴马每周电台演讲2015.03.01

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.
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.
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.
大家好。在美国，我们相信一生的辛勤工作和负责任应该换来一份安全和体面的退休生活。这是中产阶级生活的关键部分--本周，我采取了一些新步骤来保护它。
那场动摇了人们对一个安全的退休生活的信赖的危机过去六年后，我们的经济正在稳步增长。去年是自1990年以来就业增长最好的一年。所有一切都表明，在过去的五年里，私营板块已经增加了1千2百万个新就业岗位。自我就任总统以来，股指翻了一番还多，保证了几百万家庭享受401（k）条款。
但是尽管我们已经取得了很大进步，我们还有很多工作要做，以保证我们的发展惠及更多美国人，而不仅仅是惠及最富裕的那些人。这就是中产阶级经济学的全部--一个每个人都得到公平的机会，每个人都各尽其职，每个人都在同一套规则下竞争，美国就兴旺发达的理念。

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.
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.
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.
最后一部分--确保每个人都在同一套规则下竞争--就是我们通过了历史性的华尔街改革和信用卡权利法案的原因。这就是为什么设立了一个新的消费者监护机构。这就是为什么我们正在采取新的行动来保护工薪家庭的退休保障。如果你辛勤工作而且存一部分钱，你就可以心安理得地享受健康的金融服务，你的投资就有保障。
但是迄今为止，这条路是没有规则。很多金融顾问把顾客的利益放在第一位--但是有些金融顾问收取暗地来自后门的钱，就误导人们进行错误的投资。所有一切表面，这些错误的指导造成的利益冲突导致中产阶级家庭每年大约170亿美元的损失。
本周，我号召劳工部改变这些--提升规则和要求退休顾问把他们的顾客的利益放在他们自己的利益之上。中产阶级家庭不能容忍他们辛勤工作一生后他们辛辛苦苦挣的钱打水漂。他们理应得到公平和尊重的待遇。这是这个规则应该发挥的作用。

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.
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.
Thanks, and have a great weekend.
尽管很多金融顾问们支持这些基本的保障防止欺诈，我知道一些特殊利益群体将利用他们能获得的一切来抵制这个规则。尽管我们欢迎关于如何前进的不同展望和设想，我绝不接受我们没有办法保证辛勤工作的负责任的精打细算的节俭的美国人享有安全和体面的退休生活的观点。
我们将继续奋力争取这个规则，因为这是为我们的工人们和我们的国家做一件正确的事。我们的经济实力取决于是否工薪家庭不仅能分享美国的成功，还要贡献于美国的成功。这就是我永远不会停止为之奋斗事业--一个任何努力工作的人都有机会致富的经济。
谢谢，周末快乐。