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Meggalife:用手机游戏帮你进行养老存款

养老金危机不是一场儿戏,但EF Hutton认为游戏可以解决这场危机。

近日,EF Hutton旗下子公司Megga宣布建立社交媒体平台Meggalife,激励美国人建立养老金计划为退休存钱。

通常来说,人们的线上活动可以为平台带来不菲的广告收益。而Meggalife却偏偏要另辟蹊径,拒绝让广告提供商获得平台广告收益,而是将相关收益存入EF Hutton管理的一个信托基金(EF Hutton收取基金管理和咨询费用)。

用户通过使用各种Meggalife App(包括传统社交平台功能、搜索引擎、电子邮件和新闻集合)可以获得平台积分,就像游戏一样。然后68岁后用户可以提现这些积分来增加从信托基金中获得的收益。和信用卡一样,Megga说他们会向积分最高者提供额外的奖励和收益。

积分具体值多少钱尚不明确,不过Megga公司网站上有个积分计算器,输入年龄和预期使用率可以得出用户68岁时可能收益多少,但计算结果并不可信,因为该系统未被验证。

虽然Meggalife各种App使用免费,但用户除了必须使用其App外还得加入"豆茎银行俱乐部"(Beastalk Club)并建立一个养老储蓄账户(包括付加入费)来积累积分。导致现在养老金危机的一大主要原因就是美国群众不创立养老储蓄账户,因此将这个过程游戏化势必是个有趣创新的尝试。但是否能够成功似乎很大程度上取决于用户是否愿意打破或至少改变他们已形成的线上习惯。初看似乎这很困难,但细想一下,在同样可以使用现金和信用卡的时候,人们往往倾向于使用信用卡,原因就在于积分的“诱惑”。所以说,也许积分的力量还是挺大的呢。

The retirement crisis is not a game, but EF Hutton thinks the solution to it may be.

Megga Inc., a subsidiary of the brokerage firm, announced the creation of a social media platform called Meggalife which looks to incentivize Americans to establish 401(k)s and save for retirement by employing a revenue-sharing approach and the allure of accumulating points to reward them for the online activities that they undergo daily.

Most online activities people engage in day-to-day are powered by ad revenue. Supposedly, Meggalife will be no different, however, instead of all of the ad revenue going to the provider, it will be deposited into a trust fund managed by EF Hutton (who collects management and advisor fees for its services).

The platform awards user points, like any game worth its salt, for using the various Meggalife apps (of which there will be several that roughly reproduce the functionality of traditional social media platforms, search engines, email providers and news aggregators). The users can then redeem these points to bolster their incomes from the trust funds once they reach aged 68. Similar to credit card programs, Megga Inc. claims it will offer top points earners additional rewards and benefits.

"Meggalife is designed to help users effortlessly and passively build a nest egg for retirement, simply by continuing to engage in their daily online activities," said Christopher Daniels, President of Megga Inc., and CEO of HUTN Inc. "Why shouldn't the users who spend hours each day engaged in online activities reap their fair share of the financial rewards, rather than being used to enrich online company investors and executives?"

How much each point will be worth remains unclear. The company site features a point calculator that estimates, based on age and anticipated usage rate, what users may receive at aged 68, but the numbers generated look pretty questionable, given the unproven nature of the system.

Though the Meggalife suite of apps are free to use, the big catch here, beyond having to use Meggalife apps instead of or in addition to whatever they were using before, is that users will have to join "The Beanstalk Club" and establish an individual 401(k) (including paying the attendant fees) in order to actually accumulate points.

Since Americans not setting up 401(k)s in the first place is one of the major contributors to the current crisis, attempting to gamify the process in this manner is certainly an interesting and innovative approach. However, its success looks to depend largely on users' willingness to either break, or at least change, their ingrained online habits. At first glance, on one hand it looks like a bridge too far, but on the other hand, I've definitely used a credit card in the past to pay for certain things when I had cash just to get the rewards points, so maybe the power of points will prove compelling?


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