Normally, residents of developed countries contribute to their individual pension accounts for 41 years, whereas China requires only 15 years.

通常发达国家的居民缴费至个人帐户约41年，相比之下，中国只要求15年。

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Vested right of enterprise annuity refers to the ratio that enterprise's contribution to employee personal pension accounts credited to individual accounts in labor contract period.

企业年金中的既得受益权是指劳动合同期内，企业向员工个人年金账户供款记入个人账户的比例。

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Privatized individual accounts are only a portion of the pension spectrum though.

然而，私有化的个人账户只是养老金的一个组成部分。

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Retail brokers migrated to larger pension accounts and brought with them their compensation preferences.

FORBES: International Campaign to Eliminate Pension Consultant Abuses (November 2, 2004 )

This may be because much of America's new equity wealth is held in personal-pension accounts that cannot be touched without severe penalties.

ECONOMIST: From angst to action?

Now, you probably thought there were only two kinds of individual pension accounts, IRAs and 401(k)s, but in fact there are far more.

FORBES: Roll Over and Die Laughing