养老金保险亦称“终身年金保险”、“养老年金保险”。以被保险人生存为条件,在其达到规定退休年龄时,由保险人按期付给养老金的保险。一般以企业单位为投保人,以本单位职工为被保险人。投保人需按月汇总向保险公司交纳保险金,直至各该被保险人达到规定退休年龄时止,保险公司对被保险人按月支付退休期间的养老金,直至该被保险人死亡时为止。亦有保险人一次向被保险人支付保险金、保险合作即告终止的做法。
不幸的是,这个私人信息无论是对经济学家还是对养老金保险公司都被隐瞒了。
Unfortunately, this private information is as hidden from economists as it is from the annuity company.
糟糕的资产市场意味着他们建立的养老金规模较小,债券收益较低意味着该规模的养老金保险收入更低。
Struggling asset markets mean they build up a smaller pension pot; low bond yields mean the annuity income from that pot is lower.
占市场主导地位的几个年金公司正不遗余力的说服雇主和共同基金公司在雇员的401k(养老金保险计划)计划中加入年金这种产品。
Major annuity sellers have stepped up their efforts to get employers and mutual fund companies to include annuities in workers' 401 (k) plans.
It was a real insurance system and they would pay you in your retirement.
这是真正意义上的保险制度,然后他们会支付你的养老金。
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