pensions

简明释义

英[ˈpɛnʃənz]美[ˈpɛnʃənz]

n. [劳经]养老金（pension 的复数形式）；[劳经]退休金

v. 发放退休金（pension 的第三人称单数形式）

英英释义

单词用法

同义词

反义词

例句

1.The alternative way to socialise the cost of pensions is stealthier.

另一种方式是由社会分摊养老金，这种方式令人不易察觉。

2.Pensions are particularly tricky.

退休费问题是特别棘手的。

3.Even if equity returns were disappointing, pensions still had to be paid.

就算股票投资收益不尽人意，也仍然要按原定计划发放养老金。

4.In 2008 pensions were 84% funded, above the recommended 80% minimum.

2008年，84%的养老金都得到了支付，高于建议的80%的最低比例。

5.Pensions were brought close to western levels.

养老金和西德水平拉近。

6.Generous pensions have produced an epidemic of early retirement.

慷慨的退休金导致了大面积的提前退休现象。

7.They care about their pensions.

他们关心的是退休金问题。

8.Pensions are a case in point.

养老金就是一个很好的例子。

9.His academic work has been on pensions and labor market theory.

他的学术方向是养老金问题和劳动力市场原理。

10.Many companies offer their employees generous pensions to ensure financial security in retirement.

许多公司为员工提供慷慨的养老金以确保退休后的经济安全。

11.The government is considering reforms to the national pensions system to make it more sustainable.

政府正在考虑对国家的养老金制度进行改革，以使其更具可持续性。

12.After years of service, she was eligible for a full pensions package.

经过多年的服务，她有资格获得完整的养老金套餐。

13.Some people rely solely on their pensions for income after retirement.

一些人完全依赖他们的养老金作为退休后的收入。

14.The company has set aside funds to cover future pensions'>养老金义务。

作文

Pensions are a critical aspect of financial planning for individuals and families. As people age, the need for a stable income becomes increasingly important. A pension is essentially a regular payment made to individuals after they retire from work, typically funded by their previous employer or through personal savings. The concept of pensions dates back centuries and has evolved significantly over time. In the past, many workers relied solely on government assistance or family support during their retirement years. However, with the rise of the corporate world and the shift towards individual responsibility, pensions have become a vital component of retirement planning. One of the primary benefits of pensions is the financial security they provide. Knowing that there is a guaranteed income stream can alleviate stress and allow retirees to enjoy their golden years without worrying about their financial situation. This stability is particularly crucial in today’s society, where the cost of living continues to rise, and unforeseen expenses can quickly drain savings. Furthermore, pensions often come with additional benefits such as healthcare coverage, which is essential for managing health-related costs in retirement. There are different types of pensions, including defined benefit plans and defined contribution plans. Defined benefit plans promise a specific payout at retirement, based on factors like salary history and years of service. This type of pension provides predictability, making it easier for individuals to plan their finances. On the other hand, defined contribution plans, such as 401(k) accounts, allow employees to contribute a portion of their salary to a retirement account, which may be matched by their employer. The final amount available at retirement depends on the performance of the investments made within the account. While this offers potential for growth, it also introduces uncertainty, as market fluctuations can impact the total savings. In recent years, the landscape of pensions has changed dramatically. Many companies have shifted away from traditional defined benefit plans due to rising costs and financial liabilities. This shift has placed more responsibility on individuals to save for their retirement. As a result, financial literacy has become increasingly important. People must understand how to manage their savings, invest wisely, and make informed decisions about their retirement plans. Moreover, the aging population has raised concerns about the sustainability of pensions. With more people living longer, the pressure on pension systems is growing. Governments and organizations are re-evaluating their pension schemes to ensure they can meet future obligations. This situation highlights the importance of personal savings and alternative investment strategies, as relying solely on pensions may not be sufficient for a comfortable retirement. In conclusion, pensions play a vital role in ensuring financial security for retirees. They provide a steady income and peace of mind, allowing individuals to enjoy their retirement years. However, the changing landscape of pensions necessitates a proactive approach to financial planning. Understanding the different types of pensions, the importance of saving, and the potential challenges ahead will empower individuals to take control of their financial futures. As we navigate this complex world, it is essential to prioritize our retirement planning to ensure a stable and fulfilling life after work.

养老金是个人和家庭财务规划的重要方面。随着人们年龄的增长，稳定收入的需求变得越来越重要。养老金本质上是在个人退休后，由其前雇主或个人储蓄提供的定期支付。养老金的概念可以追溯到几个世纪以前，并随着时间的推移而发生了显著变化。在过去，许多工人在退休年限依赖政府援助或家庭支持。然而，随着企业世界的崛起以及向个人责任的转变，养老金已成为退休规划的重要组成部分。 养老金的主要好处之一是它们提供的财务安全。知道有一条保证的收入来源可以减轻压力，使退休人员能够享受他们的黄金岁月，而不必担心经济状况。这种稳定性在当今社会尤为重要，在这里，生活成本持续上升，意外支出可能迅速耗尽储蓄。此外，养老金通常还附带额外的福利，例如医疗保健覆盖，这对于管理退休期间的健康相关费用至关重要。 养老金有不同类型，包括确定福利计划和确定缴款计划。确定福利计划承诺在退休时支付特定金额，基于工资历史和服务年限等因素。这种类型的养老金提供了可预测性，使个人更容易规划财务。另一方面，确定缴款计划，如401(k)账户，允许员工将部分工资贡献到退休账户中，雇主可能会进行匹配。退休时可用的最终金额取决于账户内投资的表现。虽然这提供了增长的潜力，但也引入了不确定性，因为市场波动可能影响总储蓄。 近年来，养老金的格局发生了戏剧性的变化。许多公司由于成本上升和财务负担的增加，已经逐渐放弃传统的确定福利计划。这一转变使个人在为退休储蓄方面承担了更多责任。因此，财务素养变得越来越重要。人们必须了解如何管理储蓄、明智投资，并就退休计划做出明智的决策。 此外，老龄化人口引发了对养老金可持续性的担忧。随着越来越多的人活得更长，养老金体系面临的压力正在增加。各国政府和组织正在重新评估其养老金计划，以确保能够满足未来的义务。这种情况突显了个人储蓄和替代投资策略的重要性，因为仅仅依靠养老金可能不足以实现舒适的退休生活。 总之，养老金在确保退休人员的财务安全方面发挥着至关重要的作用。它们提供稳定的收入和心理安宁，使个人能够享受退休生活。然而，养老金格局的变化需要积极的财务规划方法。理解不同类型的养老金、储蓄的重要性以及未来可能面临的挑战，将使个人能够掌握自己的财务未来。在我们应对这个复杂的世界时，优先考虑我们的退休规划，以确保在工作后的稳定和充实的生活是至关重要的。