Employees in DC schemes can be at a loss when deciding how much to invest, where to put their money and what kind of pension to expect.
在DC计划中，雇员在决定投入多少额度以及需要哪种养老金时茫然不知。
Start with private pension plans, which underpin nostalgic yarns about the golden age of the 1960s, when every man could raise a family on assembly-line wages and then retire in comfort.
让我们先看看私人退休金计划，它支撑着回到60年代黄金时代的怀旧梦想，在那时一个男人的工资就能养活一个家庭并且享受安乐的退休岁月。
In 1935, when America first introduced state pensions to fight poverty in old age, its official pension age was 65 and average life expectancy was 62.
1935年，美国首次引进了国家退休金制度，使国民晚年不至于陷入贫困，当时官方规定领取养老金年龄是65岁，而那时平均预期寿命只有62岁。
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