Because the cost of such schemes is high, new employees are usually offered defined-contribution (DC) schemes, in which employer contributions are lower and retirement income varies with the markets.

因为这些计划的成本很高，新员工通常适用于固定缴款计划，这种计划雇主缴款较低且退休收入随着市场变化。

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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。

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Defined contribution schemes, where the employee builds up a pension pot via investments, are the typical replacement for a company's final-salary scheme.

BBC: Pension provision still falling, says ONS

Employers put an average of 15.8% of salary into their staff's final-salary schemes, but contribute just 6.2% of salaries to defined contribution schemes.

BBC: Pension provision still falling, says ONS

Final salary schemes, which guarantee a pension equivalent to a fixed proportion of workers' final wages, provide a more generous retirement income than defined contribution schemes, which are tied to stock market performance.

BBC: Manufacturers call for pensions reform