2026年2月25日 / 美国东部时间上午10:21 / CBS新闻
周二晚间，总统特朗普在国情咨文演讲中表示，他希望通过为约5600万缺乏雇主赞助储蓄计划的美国人创建新账户，来解决美国退休体系中的”严重不平等”问题。
“一半的美国劳动者仍然无法获得包含雇主匹配供款的退休计划，”特朗普先生说。
特朗普补充道，该计划将以提供给联邦工作人员的节俭储蓄计划(Thrift Savings Plan)为基础，由美国政府提供每年最高1000美元的匹配供款。
根据国家退休安全研究所(NIRS)最近的一份报告，当前的退休体系实际上将数百万无法获得401(k)和类似计划的美国人排除在外。该无党派组织发现，大多数没有雇主赞助计划的美国人不太可能为退休存钱。
特朗普在演讲中强调了这一问题，他指出，典型的401(k)账户余额比他上任时高出约3万美元，同时指出，数百万没有雇主赞助计划和公司匹配的工人并未享受到同样的收益增长。
“新计划将确保所有美国人都能从上涨的股市中获利，”特朗普表示。以下是关于该计划你需要了解的内容。
该计划将如何运作？
特朗普政府的新计划将扩展2022年拜登总统签署成为法律的《确保强劲退休法案》(Secure Act 2.0)。据Axios报道，该法案本身就是基于特朗普第一任期内通过的先前立法制定的。
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《确保强劲退休法案》2.0创建了一个所谓的”储蓄者匹配”计划，将于2027年启动，联邦政府将为中低收入工人提供最高1000美元的50%匹配供款。
周二，特朗普在演讲中表示，新计划将类似于节俭储蓄计划，该计划为联邦工作人员提供投资于股票和债券的低费用基金。
这能否弥合退休差距？
数据显示，数百万美国人无法为退休储蓄。NIRS称，普通美国工人的退休储蓄不足1000美元。
“这将帮助那些被落下的人，那些没有401(k)的人，”财政部长斯科特·贝森特周三告诉NBC新闻。
他补充道：”我认为这将成为美国劳动者退休计划的一个非常重要的部分，因为存在大量的经济不安全感。”
然而，研究表明，尽管这一努力可能帮助美国人存更多钱，但即使是拥有雇主赞助账户的人在退休准备方面也在落后。
NIRS发现，对于有退休储蓄的工人来说，中位数余额为4万美元——这与美国人认为舒适退休所需的约150万美元相去甚远。
编辑：Alain Sherter
Trump announces new retirement accounts for Americans without 401(k) plans. Here’s what to know.
February 25, 2026 / 10:21 AM EST / CBS News
President Trump said during his State of the Union address on Tuesday night that he wants to fix a “gross disparity” in America’s retirement system by creating new accounts for the roughly 56 million Americans who lack an employer-sponsored savings plan.
“[H]alf of all of working Americans still do not have access to a retirement plan with matching contributions from an employer,” Mr. Trump said.
The plan will be based on the Thrift Savings Plan offered to federal workers, with the U.S. government providing a match of up to $1,000 per year, Mr. Trump added.
The current retirement system effectively excludes millions of Americans who lack access to 401(k) and similar plans, according to a recent report from the National Institute on Retirement Security (NIRS). The nonpartisan group found that most Americans without an employer-sponsored plan are unlikely to put any money away for retirement.
Mr. Trump highlighted the issue in his speech by pointing out that the typical 401(k) balance is about $30,000 higher than when he took office, while noting that millions of workers without employer-sponsored plans and company matches aren’t enjoying the same gains.
The new plans will “ensure that all Americans can profit from a rising stock market,” Mr. Trump said. Here’s what to know about the plan.
How would the plan work?
The Trump administration’s new plan would expand on a bill signed into law by President Biden in 2022 called the Securing a Strong Retirement Act, or Secure Act 2.0. That bill itself was built on prior legislation passed during Mr. Trump’s first term, according to Axios.
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The Secure Act 2.0 created a so-called Savers Match program, set to launch in 2027, under which the federal government will provide a 50% matching contribution up to $1,000 for low- to moderate-income workers.
In his address on Tuesday, Mr. Trump said the new plan would be similar to the Thrift Savings Plan, which provides federal workers with access to low-fee funds that invest in stocks and bonds.
Could this bridge the retirement gap?
Millions of Americans have been unable to save for retirement, data shows. The average American worker has less than $1,000 saved for retirement, according to NIRS.
The new plan could help “those who have been left behind, the ones who don’t have the 401(k)s,” Treasury Secretary Scott Bessent told NBC News on Wednesday.
He added, “I think this is going to be a very big part of working Americans’ retirement program, because there is a tremendous amount of financial insecurity.”
Still, while the effort might help Americans put more money away, even those with employer-sponsored accounts are falling behind in their retirement readiness, research shows.
For workers who do have retirement savings, the median balance stands at $40,000, NIRS found — a far cry from the roughly $1.5 million that Americans say they need to retire comfortably.
Edited by Alain Sherter
