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  3. India topped a list of countries in its hopefulness about retirement, according to a recent report by HSBC of people’ s expectat

India topped a list of countries in its hopefulness about retirement, according to a recent report by HSBC of people’ s expectat

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问题     India topped a list of countries in its hopefulness about retirement, according to a recent report by HSBC of people’ s expectations about their post-work life.
    As many as 78% of Indian respondents said they expected to be better off than their parents when they retire. The next most optimistic people were the Chinese, while the French were the least hopeful, with the vast majority of them answering that they would be less well off than their parents, the annual survey said.
    About 74% of Indian respondents also said they felt very or at least partially financially prepared for retirement, again putting it near the top of the list, well above the global average of 56% who feel that way.
    The study questioned around 17,000 working people across 17 countries, which included both developed nations like the U.S. and France and emerging economies like Brazil, China and India.
    It probably helps that for most Indians, retirement is quite far off(the study noted that optimism about retirement was in inverse proportion to the age of the respondent). While many other countries in the survey are rapidly aging, India, the world’s second-most populous nation, has a working-age population that is likely to increase for at least the next three decades.
    In general, Asians were among the most optimistic people when it came to their outlook on retirement, while developed countries were pessimistic. Respondents in North America and Europe felt that their parents were enjoying "a golden age of retirement" that is not likely to be repeated, says the report.
    One factor that could be contributing toward this pessimism is the difference in household savings rates, says the study. While Indian households save the equivalent of around 35 % of their GDP, U.S. households save only 3.9 % of their GDP.
    After the United Arab Emirates, India was the country where people were least likely to expect government help in retirement—only 3% of respondents said they expected a state pension to be their biggest source of income after retirement. China was at the other end of the scale, with 40% expecting to rely on a government pension.
    Family plays a much more prominent role in India than the government—both as a source of post-retirement worry and help. Of Indians who said they are worried about coping financially when they stop working, a quarter said they were concerned about supporting parents, putting it near the top of the list of countries who fret about this, just behind China and Singapore.
    About 85%)of Indians ranked extended family "very important" or "quite important" to their retirement plans, while about a third said they expected to be living with relatives in their old age.
Which of the following is not the factor that leads to Indians’ optimism towards retirement?
选项 A、They felt very or at least partially financially prepared for retirement.
B、There is a large working-age population which will rise in India.
C、Most Indians rely on a state pension after their retirements.
D、Household savings rates in India are higher than developed countries.
答案C
解析 细节题。文章开头提到，印度人在退休问题上表现得很乐观。接着文章分析了引起这一现象的原因，包括：他们为退休后的生活做了充分或至少是部分的财务准备；工作年龄还将继续延长；印度的家庭储蓄率较高。选项中，A、B、D符合文意，C项表达有误，文章第八段明确提到 “India was the country where people wereleast likely to expect government help in retirement--only 3％ of respondents said theyexpected a state pension to be their biggest source of income after retirement．”。由此可知，只有极少一部分印度人退休后依靠养老金生活。
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