This reflects the fact that most Britons use their pension pot to buy an annuity.

这表明大多数英国人用他们的养老金来购买年金。

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The Bank of Spain recently issued a warning about a dwindling pension pot, suggesting it was time to push the retirement age above 65.

西班牙央行近来发布了关于养老金罐逐步减少的警告，提议说是时候将退休年龄推到65岁以后了。

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The danger is that employees will underestimate the size of the pension pot they need and overestimate the investment returns they will achieve.

危险在于雇员们会低估他们需要的养老金数目，而且高估他们将会获得的投资收益。

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We need a big shake-up to make it safe, cost-effective and easy to move your pension pot around.

BBC: Pension reforms plans 'could cut retirement income'

Its site also features a basic guide to what to do with your pension pot once you retire.

BBC: How to cope with financial difficulties

Firstly there is the option of pension drawdown, which allows investors to draw an income from their pension pot.

BBC: Enhanced annuities: Who can benefit?