英博士:退休金方案需要改变-凯发k8官网

英博士:退休金方案需要改变
文章来源:未知 文章作者:enread 发布时间:2013-12-27 07:42 字体: [ ] 
(单词翻译:双击或拖选)
millions of workers will be exposed to "1", hard-to-understand and 2 3 saving schemes under the government's scheme to automatically 4 people into pensions, former downing street 5 dr ros altmann has warned.

前英国政府顾问罗斯·奥尔特曼博士警告称,政府将民众自动纳入退休金的方案将令数百万工人陷入高风险、难以理解又过时的退休金储备系统。
 
more than 1.6 million people have already been placed into pension schemes under the government's automatic enrolment initiative, which started in october 2012 and is expected to result in around 11 million new pension savers over the next five years.
 
but in a report, pensions - time for change, altmann said: "the future for pensions is more complex and risky than ever before." she called for an 6 of defined contribution (dc) pensions which, she argued, "are not fit for 21st-century lives".
 
dc schemes offer payouts based on the performance of the funds that the saver's money is invested in, unlike final salary schemes where employees are guaranteed a set income on retirement. they are cheaper for firms to run because the employee is taking on the investment risk, and are likely to be the type of scheme on offer to workers through auto-enrolment.
 
people with dc schemes use their retirement 7 to buy an 8(养老金) when they retire, which sets the size of their annual income for life. but the rates on offer fluctuate(波动) and comparing deals is made more complicated by the variety of different 9 you can buy, which depend on factors like the state of your health and whether you want them to provide for just yourself or your partner as well.
 
the report said: "the risk of buying at the wrong time, choosing the wrong annuity or failing to find the right rate could increase the number of poorer 10 by many millions."
 
altmann, a former director-general of over-50s group 11, recently said pensioners could be taking on "the biggest gamble" of their lives when they buy an annuity, and many may never live to see any return on their money.
 
her report, sponsored by retirement products provider metlife, surveyed more than 3,000 people. it argued that auto-enrolment will increase "12 but not adequacy of pensions".
 
altmann said the problem with the government's pension reforms is that they require people "to be able to cope with risks that they do not really understand".
 
consumer research carried out for metlife found that three-fifths (60%) of people do not understand or are unsure if they are 13 aware of the risks of investing in a dc scheme. this figure rose to three-quarters (75%) of people 14 between 18 and 24 years old.
 
nearly three-quarters (72%) of people said they would be more likely to save into a pension if it guaranteed a level of retirement income.
 
altmann said that to shore up more savings, people should think about working for longer and easing into retirement in phases, perhaps by 15 going part time.
 
"a record 1 million people are now still working beyond age 65," she said. "the old notions of 'early retirement' are being 16 to history, but far too few workers are planning ahead for longer working lives.
 
"this has to be part of the solution to our pensions crisis and, in fact, can be a very positive model for the future. the whole concept of retirement is changing. it will become a process rather than an event."
 
a department for work and pensions spokeswoman said: "our reforms to the state pension will introduce a single, simple, decent state pension, which will provide a solid foundation for further saving through automatic enrolment into workplace pensions with employer contributions and tax relief."


点击收听单词发音收听单词发音  

1 ixvxe     
adj.有风险的,冒险的
参考例句:
  • it may be risky but we will chance it anyhow.这可能有危险,但我们无论如何要冒一冒险。
  • he is well aware how risky this investment is.他心里对这项投资的风险十分清楚。
2 vjtx0     
adj.旧式的,落伍的,过时的;v.使过时
参考例句:
  • that list of addresses is outdated,many have changed.那个通讯录已经没用了,许多地址已经改了。
  • many of us conform to the outdated customs laid down by our forebears.我们许多人都遵循祖先立下的过时习俗。
3 twoxh     
n.退休,退职
参考例句:
  • she wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
  • i have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。
4 do2xx     
v.(使)注册入学,(使)入学,(使)入会
参考例句:
  • i like your institute but i do not want to enrol.我喜欢你们学院但我不想报名去你院。
  • they decided to enrol him as a member of the society.他们决定吸收他成为会社的成员。
5 hznziu     
n.劝告者,顾问
参考例句:
  • they employed me as an adviser.他们聘请我当顾问。
  • our department has engaged a foreign teacher as phonetic adviser.我们系已经聘请了一位外籍老师作为语音顾问。
6 ykgxy     
v./n.大修,仔细检查
参考例句:
  • master worker wang is responsible for the overhaul of this grinder.王师傅主修这台磨床。
  • it is generally appreciated that the rail network needs a complete overhaul.众所周知,铁路系统需要大检修。
7 zjbzgu     
n.存款,储蓄
参考例句:
  • i can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • by this time he had used up all his savings.到这时,他的存款已全部用完。
8 kw2zf     
n.年金;养老金
参考例句:
  • the personal contribution ratio is voluntary in the annuity program.企业年金中个人缴费比例是自愿的。
  • he lives on his annuity after retirement.他退休后靠退休金维生。
9 334adc1039d91740ffab60ad8c097f64     
n.养老金;年金( annuity的名词复数 );(每年的)养老金;年金保险;年金保险投资
参考例句:
  • many companies in this country grant their old employees annuities after they retire. 这个国家的许多公司在老年雇员退休后发给他们养老年金。 来自辞典例句
  • can i interest you in one of our easter annuities or ira accounts? 您对我们的复活节年金保险或者个人退休金帐户有兴趣吗? 来自电影对白
10 688c361eca60974e5ceff4190b75ee1c     
n.领取退休、养老金或抚恤金的人( pensioner的名词复数 )
参考例句:
  • he intends to redistribute income from the middle class to poorer paid employees and pensioners. 他意图把中产阶级到低薪雇员和退休人员的收入做重新分配。 来自《简明英汉词典》
  • i am myself one of the pensioners upon the fund left by our noble benefactor. 我自己就是一个我们的高贵的施主遗留基金的养老金领取者。 来自辞典例句
11 acez4     
n.(尤指中世纪北欧海盗的)故事,英雄传奇
参考例句:
  • the saga of flight 19 is probably the most repeated story about the bermuda triangle.飞行19中队的传说或许是有关百慕大三角最重复的故事。
  • the novel depicts the saga of a family.小说描绘了一个家族的传奇故事。
12 nvwz7v     
n.报导,保险范围,保险额,范围,覆盖
参考例句:
  • there's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
  • this is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。
13 gfuzd     
adv.完全地,全部地,彻底地;充分地
参考例句:
  • the doctor asked me to breathe in,then to breathe out fully.医生让我先吸气,然后全部呼出。
  • they soon became fully integrated into the local community.他们很快就完全融入了当地人的圈子。
14 6zwzdi     
adj.年老的,陈年的
参考例句:
  • he had put on weight and aged a little.他胖了,也老点了。
  • he is aged,but his memory is still good.他已年老,然而记忆力还好。
15 273xz     
adv.最初,开始
参考例句:
  • the ban was initially opposed by the us.这一禁令首先遭到美国的反对。
  • feathers initially developed from insect scales.羽毛最初由昆虫的翅瓣演化而来。
16 9dc22c154336e2c50aa2b71897ceceed     
v.把…置于(令人不快的境地)( consign的过去式和过去分词 );把…托付给;把…托人代售;丟弃
参考例句:
  • i consigned her letter to the waste basket. 我把她的信丢进了废纸篓。
  • the father consigned the child to his sister's care. 那位父亲把孩子托付给他妹妹照看。 来自《现代英汉综合大词典》
上一篇: 下一篇:
tag标签: people employees
发表评论
请自觉遵守互联网相关的政策法规,严禁发布色情、暴力、反动的言论。
评价:
表情:
验证码:点击我更换图片
最新评论
网站地图