Fethke C C
University of Iowa.
J Gerontol. 1989 May;44(3):S121-8. doi: 10.1093/geronj/44.3.s121.
The long-term effect of the current high rate of divorce upon the future economic status of individuals has not been thoroughly analyzed. This study reviews the retirement, precautionary, and bequest motives for saving, then evaluates how marriage dissolution may (a) decrease the family's savings rate, (b) cause shifts in the family's portfolio to assets with lower rates of return, and (c) destroy or deplete existing family assets. Whether divorce interrupts the savings process or destroys assets, it is unlikely that most individuals will be able to save enough in later life to overcome the loss. The long-term effect may well be that, in future years, we will recognize a new category of elderly poor, those who have experienced the dissolution of their marriage.
当前高离婚率对个人未来经济状况的长期影响尚未得到充分分析。本研究回顾了储蓄的退休、预防性和遗赠动机，然后评估婚姻解体如何（a）降低家庭储蓄率，（b）导致家庭投资组合转向回报率较低的资产，以及（c）破坏或耗尽现有的家庭资产。无论离婚是中断储蓄过程还是破坏资产，大多数人在晚年都不太可能储蓄足够的钱来弥补损失。长期影响很可能是，在未来几年，我们将认识到一类新的老年贫困人口，即那些经历过婚姻解体的人。
