英专家称退休金制度已不适合21世纪
<p><span word="Millions">Millions</span> <span word="of">of</span> <span word="workers">workers</span> <span word="will">will</span> <span word="be">be</span> <span word="exposed">exposed</span> <span word="to">to</span> "<span word="risky">risky</span>", <span word="hard">hard</span>-<span word="to">to</span>-<span word="understand">understand</span> <span word="and">and</span> <span word="outdated">outdated</span> <span word="retirement">retirement</span> <span word="saving">saving</span> <span word="schemes">schemes</span> <span word="under">under</span> <span word="the">the</span> <span word="government">government</span>'<span word="s">s</span> <span word="scheme">scheme</span> <span word="to">to</span> <span word="automatically">automatically</span> <span word="enrol">enrol</span> <span word="people">people</span> <span word="into">into</span> <span word="pensions">pensions</span>, <span word="former">former</span> <span word="Downing">Downing</span> <span word="Street">Street</span> <span word="adviser">adviser</span> <span word="Dr">Dr</span> <span word="Ros">Ros</span> <span word="Altmann">Altmann</span> <span word="has">has</span> <span word="warned">warned</span>.</p><p><span word="More">More</span> <span word="than">than</span> 1.6 <span word="million">million</span> <span word="people">people</span> <span word="have">have</span> <span word="already">already</span> <span word="been">been</span> <span word="placed">placed</span> <span word="into">into</span> <span word="pension">pension</span> <span word="schemes">schemes</span> <span word="under">under</span> <span word="the">the</span> <span word="Government">Government</span>'<span word="s">s</span> <span word="automatic">automatic</span> <span word="enrolment">enrolment</span> <span word="initiative">initiative</span>, <span word="which">which</span> <span word="started">started</span> <span word="in">in</span> <span word="October">October</span> 2017 <span word="and">and</span> <span word="is">is</span> <span word="expected">expected</span> <span word="to">to</span> <span word="result">result</span> <span word="in">in</span> <span word="around">around</span> 11 <span word="million">million</span> <span word="new">new</span> <span word="pension">pension</span> <span word="savers">savers</span> <span word="over">over</span> <span word="the">the</span> <span word="next">next</span> <span word="five">five</span> <span word="years">years</span>.</p><p><span word="But">But</span> <span word="in">in</span> <span word="a">a</span> <span word="report">report</span>, <span word="Pensions">Pensions</span> – <span word="Time">Time</span> <span word="for">for</span> <span word="change">change</span>, <span word="Altmann">Altmann</span> <span word="said">said</span>: "<span word="The">The</span> <span word="future">future</span> <span word="for">for</span> <span word="pensions">pensions</span> <span word="is">is</span> <span word="more">more</span> <span word="complex">complex</span> <span word="and">and</span> <span word="risky">risky</span> <span word="than">than</span> <span word="ever">ever</span> <span word="before">before</span>." <span word="She">She</span> <span word="called">called</span> <span word="for">for</span> <span word="an">an</span> <span word="overhaul">overhaul</span> <span word="of">of</span> <span word="defined">defined</span> <span word="contribution">contribution</span> (<span word="DC">DC</span>) <span word="pensions">pensions</span> <span word="which">which</span>, <span word="she">she</span> <span word="argued">argued</span>, "<span word="are">are</span> <span word="not">not</span> <span word="fit">fit</span> <span word="for">for</span> 21<span word="st">st</span>-<span word="century">century</span> <span word="lives">lives</span>".</p><p><span word="DC">DC</span> <span word="schemes">schemes</span> <span word="offer">offer</span> <span word="payouts">payouts</span> <span word="based">based</span> <span word="on">on</span> <span word="the">the</span> <span word="performance">performance</span> <span word="of">of</span> <span word="the">the</span> <span word="funds">funds</span> <span word="that">that</span> <span word="the">the</span> <span word="saver">saver</span>'<span word="s">s</span> <span word="money">money</span> <span word="is">is</span> <span word="invested">invested</span> <span word="in">in</span>, <span word="unlike">unlike</span> <span word="final">final</span> <span word="salary">salary</span> <span word="schemes">schemes</span> <span word="where">where</span> <span word="employees">employees</span> <span word="are">are</span> <span word="guaranteed">guaranteed</span> <span word="a">a</span> <span word="set">set</span> <span word="income">income</span> <span word="on">on</span> <span word="retirement">retirement</span>. <span word="They">They</span> <span word="are">are</span> <span word="cheaper">cheaper</span> <span word="for">for</span> <span word="firms">firms</span> <span word="to">to</span> <span word="run">run</span> <span word="because">because</span> <span word="the">the</span> <span word="employee">employee</span> <span word="is">is</span> <span word="taking">taking</span> <span word="on">on</span> <span word="the">the</span> <span word="investment">investment</span> <span word="risk">risk</span>, <span word="and">and</span> <span word="are">are</span> <span word="likely">likely</span> <span word="to">to</span> <span word="be">be</span> <span word="the">the</span> <span word="type">type</span> <span word="of">of</span> <span word="scheme">scheme</span> <span word="on">on</span> <span word="offer">offer</span> <span word="to">to</span> <span word="workers">workers</span> <span word="through">through</span> <span word="auto">auto</span>-<span word="enrolment">enrolment</span>.</p><p><span word="People">People</span> <span word="with">with</span> <span word="DC">DC</span> <span word="schemes">schemes</span> <span word="use">use</span> <span word="their">their</span> <span word="retirement">retirement</span> <span word="savings">savings</span> <span word="to">to</span> <span word="buy">buy</span> <span word="an">an</span> <span word="annuity">annuity</span> <span word="when">when</span> <span word="they">they</span> <span word="retire">retire</span>, <span word="which">which</span> <span word="sets">sets</span> <span word="the">the</span> <span word="size">size</span> <span word="of">of</span> <span word="their">their</span> <span word="annual">annual</span> <span word="income">income</span> <span word="for">for</span> <span word="life">life</span>. <span word="But">But</span> <span word="the">the</span> <span word="rates">rates</span> <span word="on">on</span> <span word="offer">offer</span> <span word="fluctuate">fluctuate</span> <span word="and">and</span> <span word="comparing">comparing</span> <span word="deals">deals</span> <span word="is">is</span> <span word="made">made</span> <span word="more">more</span> <span word="complicated">complicated</span> <span word="by">by</span> <span word="the">the</span> <span word="variety">variety</span> <span word="of">of</span> <span word="different">different</span> <span word="annuities">annuities</span> <span word="you">you</span> <span word="can">can</span> <span word="buy">buy</span>, <span word="which">which</span> <span word="depend">depend</span> <span word="on">on</span> <span word="factors">factors</span> <span word="like">like</span> <span word="the">the</span> <span word="state">state</span> <span word="of">of</span> <span word="your">your</span> <span word="health">health</span> <span word="and">and</span> <span word="whether">whether</span> <span word="you">you</span> <span word="want">want</span> <span word="them">them</span> <span word="to">to</span> <span word="provide">provide</span> <span word="for">for</span> <span word="just">just</span> <span word="yourself">yourself</span> <span word="or">or</span> <span word="your">your</span> <span word="partner">partner</span> <span word="as">as</span> <span word="well">well</span>.</p>
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