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。
The danger is that employees will underestimate the size of the pension pot they need and overestimate the investment returns they will achieve.
但是现在一些投资者感到不安，银行们和养老金基金一共持有60%的股份。
But some are uneasy that the Banks and pension funds would hold a combined 60%.
因为多数风险基金都有一些机构投资者(养老金基金、大学捐赠基金以及“家族理财室”)作为有限合伙人加入。
Most venture funds have some institutional investors (pension funds, university endowments, family offices) as LP's.
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