指出实现目标替代率的关键之一是工资增长率应和个人账户记账利率相等；
The key to guarantee this rate in system is to make equal the growth of wage and the individual account interest.
对于他们，关键的决定是：何时打算退休，希望储蓄多少，最终收入的最低比例，或者说替代率是多少，以及他们希望的目标是什么。
For them the key decisions are: when do they want to retire, how much do they want to save, and what minimum proportion of their final salary, or "replacement rate", do they wish to target?
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