Under a DB scheme, it was up to the employer to fill any hole in the fund caused by a market shortfall; in a DC plan, the employee bears all the market risk.
在DB计划项下，雇主必须弥补由于市场短缺而造成的资金缺口；而在DC计划中，雇员则需要承担全部市场风险。
And employers often use the switch from DB to DC to cut their contributions.
雇主常常将DC计划切换至DB计划以削减缴款额。
But the replacement of DB schemes with defined-contribution (DC) plans hurts employees.
但是作为替代方案的固定缴款养老金计划(DC)却损害雇员利益。
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.
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。
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