犹他州也计划于明年六月停止对新员工的养老金固定收益计划。
Utah is closing its defined-benefit plan to new employees next June.
费城沃顿商学院的奥利维亚·米切尔说，“养老金固定收益计划就要过时了”。
"Defined-benefit plans are going the way of the dodo," says Olivia Mitchell of the Wharton Business School in Philadelphia.
密歇根州在1997年就不再对新员工实行养老金固定收益计划，阿拉斯加州于2006年实行了对新员工的养老金固定缴款计划。
Michigan closed its defined-benefit scheme to entrants back in 1997 and Alaska moved to a defined-contribution plan for new staff in 2006.
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.
私营部门公司正在放弃他们对于固定收益养老金计划(DB)的承诺，在该方案中雇员根据其退休时的薪资标准获得收入。
Private-sector companies have been abandoning their commitment to defined-benefit (DB) pension schemes, in which employees receive an income based on their final salary.
据海克说，根据他们公司统计，在美国1400多个有固定收益养老金计划的公司里，平均每个公司的资金不足数是3.76亿美元。
According to Hackel, the average company among the 1400-plus with defined benefit plans that his firm tracks was $376 million underfunded.
通过限定雇主的债务的最高限额，养老金计划从固定收益（DB）转变成固定缴款（DC）后，在很长一段时间后将会节约成本。
A switch from DB to DC will save money over the long term by capping the employer's liability.
通过限定雇主的债务的最高限额，养老金计划从固定收益（DB）转变成固定缴款（DC）后，在很长一段时间后将会节约成本。
A switch from DB to DC will save money over the long term by capping the employer's liability.
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