????即便是在當(dāng)下異常嚴(yán)峻的就業(yè)市場(chǎng)上,，截至目前為止,，大學(xué)文憑仍然是最好的長(zhǎng)期投資。本周,，布魯金斯學(xué)會(huì)（Brookings Institution）發(fā)布的一項(xiàng)研究稱,，比起股票、債券,、房產(chǎn),，甚至是黃金來(lái)說(shuō)，大學(xué)文憑的回報(bào)率都要更高,。
????這家位于華盛頓的智庫(kù)對(duì)下面這些有趣的數(shù)字進(jìn)行了一番計(jì)算：
????平均而言,，四年的大學(xué)學(xué)位相當(dāng)于一筆年回報(bào)率在15.2%的投資。這一數(shù)字是自20世紀(jì)50年代以來(lái)的股票投資平均回報(bào)率6.8%的2倍還多,；是公司債券平均回報(bào)率2.9%的5倍還多,；而黃金的平均回報(bào)率是2.3%，長(zhǎng)期政府債券是2.2%,，房產(chǎn)是0.4%,。
????無(wú)可否認(rèn)，大學(xué)教育需要提前支付大筆成本,。
????研究員邁克爾?格林斯通和亞當(dāng)?魯尼估算,，四年的大學(xué)本科學(xué)位要花費(fèi)102,000美元，兩年的?？茖W(xué)位要花約28,000美元,。這一結(jié)果計(jì)算了學(xué)費(fèi)和規(guī)費(fèi)這些標(biāo)準(zhǔn)支出（同時(shí)，兩位研究員指出,，要減去食宿費(fèi),，因?yàn)椴还苌喜簧洗髮W(xué)，這兩項(xiàng)支出都必不可少）,，還納入了學(xué)生所放棄的薪酬,，也就是如果他們高中一畢業(yè)就選擇工作而非上大學(xué)所應(yīng)得的報(bào)酬,。
????確實(shí)是一大筆錢,。但這項(xiàng)研究發(fā)現(xiàn)，從長(zhǎng)期來(lái)看,，這筆投入十分劃算,。22歲時(shí)，普通的大學(xué)生掙的要比只有高中文憑的人多約70%,。研究指出,，換言之,，即便在賺錢能力處于頂峰時(shí)，只有高中文憑的普通工人掙的錢也只有剛畢業(yè)一年的大學(xué)生那么多,。
????而這只是一個(gè)開(kāi)始,。2010年，年滿50歲的大學(xué)畢業(yè)生（正處于事業(yè)頂峰）的薪酬要比只有高中畢業(yè)文憑的同齡人多約46,000美元,。
????因此,，大學(xué)文憑幾乎總是最好的長(zhǎng)期投資。的確,，美國(guó)的失業(yè)率居高不下,，始終徘徊在令人擔(dān)憂的9%左右。而就業(yè)市場(chǎng)對(duì)年輕的求職者來(lái)說(shuō)更是困難重重,。
????不過(guò),，正如《財(cái)富》（Fortune）雜志撰稿人安妮?費(fèi)希爾本周早些時(shí)候所指出的，情況可能正在好轉(zhuǎn),。據(jù)大學(xué)生就業(yè)網(wǎng)站CollegeGrad.com發(fā)布的數(shù)據(jù),，今年，擁有學(xué)士學(xué)位的大學(xué)畢業(yè)生找到工作的人數(shù)飆升了22%,，達(dá)到35,372人,，比2009年要多8%。
????所以,，對(duì)那些感到前途有點(diǎn)希望渺茫的大學(xué)畢業(yè)生來(lái)說(shuō),，現(xiàn)在正是開(kāi)始找工作的大好時(shí)機(jī)。
????譯者：大海 |
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????Even in today's very tough job market, a college degree is the best long-term investment – by far, promising higher returns than stocks, bonds, housing, and even gold, according to a study released this week by the Brookings Institution.
????The Washington, DC-based think tank crunches some interesting numbers:
????On average, a four-year degree is the equivalent of an investment that returns 15.2% a year. That's more than double the average return to stock market investments since the 1950s, which average 6.8%; more than five times the return to investments in corporate bonds, which return 2.9%; gold at 2.3%, long-term government bonds at 2.2% and housing at 0.4%.
????Admittedly, a college education demands pretty hefty costs upfront.
????Researchers Michael Greenstone and Adam Looney estimate costs of a four-year college degree at $102,000 and about $28,000 for a two-year associate's degree. This factors in the typical costs of tuition and fees (minus room and board, since as researcher noted, you eat and sleep whether or not you go to college), as well as pay that students give up if they had spent their years right after high school working instead of going to college.
????Pretty steep. But long-term, the costs are well worth it, the study found. At 22, the average college graduate earns about 70% more than the average person with a high school degree only. In other words, the study notes, at the peak of their earning power, the average worker with only a high school diploma earns only about as much as a college graduate one year out of school.
????And it only gets better from there. In 2010, a college graduate at age 50 (career peak) earns about $46,000 more than someone with only a high school diploma.
????So a college degree is almost always the best long-term investment. Indeed, U.S. unemployment continues to hover at an annoyingly high 9% or so. And the job market has been especially tough for younger workers.
????Then again, as Fortune's Anne Fisher pointed earlier this week, things might be looking up. The number of freshly minted grads with bachelor's degrees finding jobs this year surged 22% to 35,372, or 8% more than in 2009, according to CollegeGrad.com.
????So for those feeling a little hopeless about the prospects out there, now is as good a time as any to start job hunting.
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