More worrying, she says, is that if your company fails and you end up having to claim your pension through the Pension Protection Fund, you will only get 90% of what you had saved.

更令人担忧的事情是，如果您的公司已倒闭，并最终不得不从养老金保障基金（Pension Protection Fund）取出退休金的话，您能得到的只是所存全部金额的90％。

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Rather than bore you with the details, just know that many insurance company, pension fund, bank capital, holdings must be in AAA rated securities.

FORBES: US AAA Rating Downgrade: The Important Detail

Besides altering the balance between supply and demand, the influx of insurance company and pension fund money should create more price stability for emerging market bonds.

FORBES: Connect

There can be conflicts of interest - if a fund manager company is doing other business with a company whose shares the pension fund owns, for example.

BBC: Mundo | Aprenda ingl��s | Manejo de fondo de pensiones