养老金计划

许多雇员退出了养老金计划的合约。

Many employees contracted out of the pension plan .

我要是年轻点时就开始自己的养老金计划就明智多了。

I would have been much wiser to start my own pension plan when I was younger .

雇员可以退出雇主的职业养老金计划。

Employees can contract out of their employer 's occupational pension scheme .

新存托养老金计划的目标是为所有工作者提供可以赖以为生的退休养老金。

New stakeholder pensions will aim to give all workers a retirement pension they can live on .

你每向养老金计划中投入100英镑，国内税收署就会将其补加至125英镑。

For every £ 100 you invest into a pension plan the Inland Revenue makes it up to £ 125 .

公司给受薪员工提供了一套很好的养老金计划，但给计时工提供的计划却很吝啬。

The company had a good pension scheme for the salaried employees and an ungenerous scheme for the hourly paid .

他们认为,政府应该说服我们做出更好的决定,比如改变错误选择,在养老金计划中存更多的钱。

They argue that governments should persuade us into making better decisionssuch as saving more in our pension plans — by changing the default options .

预期寿命的延长以及慷慨的固定养老金计划被不再慷慨的固定缴费养老金计划所替代，这些都意味着甚至有钱人也必须延长工作年限以获得舒适的退休生活。

Rising life expectancy , combined with the replacement of generous defined-benefit pension plans with less generous defined-contribution ones , means that even the better-off must work longer to have a comfortable retirement .

这一类机构多是由专业人员管理的，比如，共同基金，养老金计划，银行以及保险公司。

Examples of elephants are professionally managed entities1 like mutual2 funds , pension plans , banks and insurance companies .

1.Pensionplan养老金计划A：我们有养老金计划吗？

A : Do we have a pension plan ?

401（k）养老金计划是美国目前参加员工最多的企业养老金计划。

Most employees in the US have joined in 401 ( k ) Pension Plan .

固定收益养老金计划（definedbenefitschemes）在私人部门几乎不复存在，公共部门的养老金也大幅降低。

Defined benefit schemes have almost disappeared from the private sector , and public sector pensions are to be substantially less generous .

皇家邮政（RoyalMail）表示，其可能无力负担2018年以后员工的固定收益养老金计划（definedbenefitpensionscheme）。

Royal Mail has said that it may not be able to afford its staff 's defined benefit pension scheme beyond 2018 .

多伦多猛龙队（TorontoRaptors）亦被加拿大安大略省教师养老金计划（OntarioTeachers'PensionPlan）旗下的私募投资机构掌控。

The Toronto Raptors are controlled by the private equity investment arm of Ontario teachers ' pension plan .

雇主冻结、取消剩余为数不多的确定收益的养老金计划，同时还减少了公司对401（k）计划（美国公司的工资储蓄投资养老计划——译注）的缴纳金额，从而延续削减退休保障的长期趋势。

Employers will continue the long-term trend of whittling retirement security by freezing or abolishing the few remaining defined-benefit pension plans and reducing company contributions to 401 ( k ) plans .

股神巴菲特认为伯克希尔哈撒韦（BerkshireHathaway）公司的养老金计划每年回报将只有区区7.1%。

Warren Buffett assumes Berkshire Hathaway 's ( BRKA ) pension plan will earn a modest 7.1 % a year .

该公司的卖家是一个集团，包括麦格理（Macquarie）欧洲及全球基础设施基金所管理的投资工具、加拿大养老金计划投资委员会（CanadaPensionPlanInvestmentBoard）的一个子公司，以及澳大利亚的安保资本（AMPCapital）。

The sellers of the company are a group that included vehicles for Macquarie 's European and Global infrastructure funds , a subsidiary of the Canada Pension Plan Investment Boardand Australia 's AMP Capital .

比如，Ares和加拿大养老金计划投资委员会（CanadaPensionPlanInvestmentBoard）斥资60亿美元收购内曼马库斯（NeimanMarcus）的交易，预计将为这家美国百货公司留下大约7倍于ebitda的债务。

The $ 6bn acquisition of Neiman Marcus by Ares and Canada Pension Plan Investment Board is expected to leave the US department store with a debt of about 7 times ebitda .

而由于年金收益率直线下跌，参加固定缴费养老金计划（definedcontributionpensions）的员工看起来也晚景黯淡，他们所缴费用的投资所得是要作为自己退休之用的。

Plunging annuity rates mean the future looks grim , too , for workers with defined contribution pensions , who have to provide for their own retirements with the proceeds of what they have paid into their plans .

包括《悉尼先驱晨报》（SydneyMorningHerald）希恩（PaulSheehan）在内的评论员已拉响了警报，指出澳大利亚购房者在养老金计划与中国投资潮之间腹背受敌。

Commentators like Paul Sheehan at the Sydney Morning Herald are sounding the alarm , writing that Australian homebuyers are caught ' in a pincer movement between superannuation and Chinese investment . '

据Graham披露，其截至第三财季末通过固定福利养老金计划持有价值约2.29亿美元的伯克希尔哈撒韦股票。

Graham owned about $ 229 million of Berkshire Hathaway stock through its defined benefit pension plan as of the end of the third quarter , according to the company .

中国IPD来源于两个规定受益的养老金计划：现收现付制（PAYG）的社会统筹帐户和基金制（FUND）的个人帐户。

Sources of China IPD orientated from two defined benefit pension schemes , one is social pooling account based on PAYG , the other is individual account based on FUND .

中国政府已同意买下通用汽车（GM）养老金计划所持的投资资产，这笔交易将使北京方面成为美欧许多大型私人股本基金的大投资者。

The Chinese government has agreed to buy investment stakes held by General Motors ' pension plan , in a deal that will make Beijing a big investor in many of the US and Europe 's largest private equity funds .

这份文件得到近250个签名，包括calpers、cprt以及纽约和伊利诺州的养老金计划。

The principles document has almost 250 signatories , including CalPERS , CPRT and state pension plans from New York and Illinois .

从2016年开始，波音公司将用退休计划中的401k计划代替现行的养老金计划。

Starting in 2016 , the company would make contribution into a 401 ( k ) type of retire plan instead of the pension .

Capgemini最初试图为养老金计划构建一个通用的DSL，但是现在使用意图后，他们打算为他们所有的养老金公司客户发布一个领域工作台。

Capgemini initially tried to build a general DSL for pension plans but now using Intentional they intend to release a Domain Workbench as a product for all of their pension firms clients .

根据美联储调查显示，仅有35%的美国家庭可以享受企业养老金计划，28%的家庭拥有私人养老金账户（IRA），13%的家庭两种都有。

Only 35 percent of families have an employer retirement plan , 28 percent of them have an individual retirement account ( IRA ), and 13 percent have both types of accounts , according to the Fed 's survey .

他在一次著名的言论中提到两名有“不幸婴儿”的“AOL人”，解释称照顾婴儿的高昂成本是导致公司养老金计划改变的部分原因。

There was the famous way he referred to the two " AOLers " who had " distressed babies , " explaining that the high cost of looking after these infants was partly responsible for changes to the company 's pension scheme .

它想提高萨德伯里工人获得镍价挂钩奖金的门槛，并将Inco的养老金计划从固定收益转变为固定缴款模式。

It wants to raise the threshold at which the Sudbury workers become eligible for the nickel bonus and to convert Inco 's pension plan from a defined benefit to a defined contribution model .

改革仍在继续例如，外来组合投资的额度已适当提高，推出类似美国401-k养老金计划的方案也正在讨论之中。

Reforms continue for example , tight quotas for incoming portfolio investment have been modestly raised , and plans for 401-k style pension plans are being discussed .