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资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.

Some scary facts about retirement:

More than 50% of persons do not have enough finances for retirement.

25% do not participate in their company's retirement plan.

The average person spends 20 years in retirement.

Here are some tips to help you plan correctly:

1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.

2. Save, save, and keep on saving. Make it a habit to save as much as you can.

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.

4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.

5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.

6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.

7. Get your employer to start one, and it can help you tremendously.

8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.

9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

What will happen if you withdraw your retirement savings before you retire?

A.You may have to pay penalties
B.You will fail to realize your goals
C.Your retirement savings will become off-limits
D.You should save money for your retirement all over again

正确答案及解析

正确答案

解析

本题考查的是细节理解。

【关键词】What will happen; withdraw your retirement savings; before you retire

【主题句】Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.坚持存储退休金。不要在退休前提款，否则你可能会受到惩罚，并且会阻碍你实现目标。

【解析】题干意为“当你在退休前中途取出退休金会怎样？”选项A意为“你将支付罚款”；选项B意为“你将无法实现自己的目标”；选项C意为“你的退休金将会超出范围”；选项D意为“你应该为你的退休金再一次存钱”。根据主题句，结合题意故选B。