The decisions these savers must make are complex and can have profound consequences. Getting it right is difficult even under the best of circumstances.
这些储户所必须做出的决定十分复杂并且后果严重。即使在最佳环境中，做出正确决定也非常不易。利率会如何变化？你和你的配偶能活多久？你会怎样养育你的孩子？养育多久？