而处于二者之间的人，传统上获得一份不错的养老金的最大希望则是找到一份实行最终薪金退休金计划的工作，然后毕生从事这份工作。

For the people in the middle, the best hope of a decent pension has traditionally been to find a job that offered a final-salary pension and then stick around for the rest of their careers.

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他们工作期间每月薪金只有7.8%作为退休金累积被扣除，之相当于私营单位扣除数额的10.5%。

Yet only 7.8% of their pay is deducted in retirement contributions, next to 10.5% in the private sector.

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缴款的金额在很大程度上决定了最终的养老金数目，因此在目前水平下，养老金固定缴款计划将和以前的最终薪金退休金计划大不相同。

The amount put into a plan largely determines the resulting pension, so the current level of DC contributions will not deliver anything like the old final-salary pensions.

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