Contoh Soal SNBT 2023, Materi Literasi Bahasa Inggris Lengkap Beserta Kunci Jawaban dan Pembahasan

“Now you have this lump sum and have to draw it down. For some it’s almost physically painful,” said David John, a senior strategic policy advisor. Unpredictable factors like market performance, life expectancy and health issues make spending your money easier said than done. That’s why people may be hesitant to tap their savings because they think, “I have X dollars and it has to last me my whole life, but I have a very uncertain future. So, if I touch that I’m putting myself at risk.”

Research shows that among retirees with savings, many do not draw down very much, choosing instead to live off fixed sources of funds, such as Social Security or pensions or income from part-time work they take up. A study found that the vast majority of retirees in America still have at least 80 persen of their savings after two decades in retirement. No doubt this is partly because they are among the last generation of workers to benefit from corporate pensions.

The psychological reluctance to tap one’s savings is a factor for most people regardless of their financial condition. It may become more acute for soon-to-be retirees as they face inflation, unstable markets and a lack of pensions, John said. They’re trying to figure out who they are now that their primary career is over and figuring out what they can and can’t do financially

Test 2

It’s hard to manage your money well in retirement unless you’re realistic about what you have. The first thing to do is to make a budget and sketch out a plan to cover your expenses.

Before retiring, keep track of your spending and regular expenses, like housing, food, health care, etc. Then assess how those expenses might change in retirement (e.g., if you plan to move to a less expensive home or area; and if your insurance costs will be subsidized by your old employer).

You should also consider paying for a child’s wedding, buying a car, or taking a major vacation. Then assess what fixed income you will have come in (e.g., Social Security or pension payments). The difference between your expected spending and your fixed income is the amount you will need to draw from your savings.

It would also help to consult with a professional. A financial advisor can help you strategize how to manage and use your money in the years ahead. The one common feeling is that people say they are overwhelmed with all the choices they need to make to live off their savings in retirement. With the different types of accounts many have, the potential for penalties and higher taxes if withdrawals are taken incorrectly and sorting out how their investments may need to shift for retirement income, it can be a lot for a new retiree to get their head around.

4. Which of the following statements is an opinion from Text 1?

A. These plastics never degrade, but rather break up into smaller sizes.

B. Recycling plastic not only helps the environment and reduces trash, but it also creates more jobs.

C. Plastics should not be going into the ocean in the first place.

D. They eventually become microplastics that stay in the environment for hundreds of years.

E. Customers are happy to sleep well and use a product that benefits the environment.

Jawaban: C. 

Pembahasan:  A, B, D and E are facts.

5. What is the relationship between Texts 1 and 2?

A. Text 1 discusses the biodegradable material used in many useful products explained in Text 2.

B. Text 1 explains how biodegradable material can help improve the plastic recycling process discussed in Text 2.

C. Both texts explain what scientists have done to provide plastics which do not harm the environment.

D. Text 2 explains how new plastic material mentioned in Text 1 is recycled to create more jobs.

E. Text 2 discusses the plastic recycling process that has been improved by the research findings explained in Text 1.

Jawaban: C. Both texts explain what scientists have done to provide plastics which do not harm the environment.

Pembahasan: A, B, D and E do not contain correct information.

(cr31/tribun-medan.com)