相同的问题同样出现在私有部门和采取养老金的固定缴款计划的公司。
These same issues apply to those on private and defined-contribution pensions.
他们同时采取复合计划，即把部分传统的确定给付养老金形式替换为私营部门常见的养老金固定缴款计划。
They would also have hybrid plans, with part of the traditional defined-benefit pension replaced by a defined-contribution plan of the sort common in the private sector.
据塔沃森的一项研究，过去十年，养老金固定收益计划的全球资产每年仅增长2.9%，而养老金固定缴款计划的全球资产每年增长了7.5%。
Over the past ten years global assets in DB plans have grown by just 2.9% a year, whereas those in defined-contribution plans have increased by 7.5%, according to a Towers Watson study.
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