pensionfund养老金介绍
“养老金”英语怎么说
“养老金”英语怎么说摘要:全国社保基金理事会发布消息称，经国务院批准，社保基金理事会受广东省政府委托，投资运营广东城镇职工基本养老保险结存资金1000亿元。
此举在全国尚属首次。
你知道怎么用英语表达吗?Speculation over investment plans for China's fast-depreciating pension funds settled on Tuesday after the National Council for Social Security Fund (NCSSF) said it has been entrusted by south China's Guangdong province to manage 100 billion yuan ($15.8 billion) of the funds.The move marks the first step in the country's efforts to preserve and increase the value of its vast, locally-managed pension funds, which were previously parked in banks or used to purchase treasury bills with low returns.对中国日益贬值的养老金投资计划问题的猜测最终尘埃落定，周二，国际社保基金理事会称其已接受广东省委托，管理1000亿元(158亿美元)养老金。
这一举动标志着我国迈出了努力让大量政府管理的养老金保值增值的第一步，之前养老金主要用于存入银行或购买国债，收益较低。
【讲解】文中的pension funds即指养老金，还可以说成retirement funds, pension可指养老金，退休金，fund指基金。
养老保险英语
养老保险英语随着人口老龄化的加剧，养老保险已成为全球性的热点话题。
作为一名英语学习者，掌握养老保险英语是必不可少的。
本文将从养老保险的定义、类型、缴费和领取等方面介绍养老保险英语。
一、养老保险的定义养老保险是指由国家或企业为职工建立的一种社会保险制度，旨在保障退休后的生活。
在英语中，养老保险被称为“pension insurance”，其中pension指的是退休金，insurance则是保险的意思。
因此，养老保险也可被称为“retirement insurance”。
二、养老保险的类型在不同国家和地区，养老保险的类型各有差异。
在英语中，养老保险可分为以下几种：1. Social security pension社会保障养老金，是由政府出资建立的养老保险制度。
在美国，社会保障养老金是由社会保障局（Social Security Administration）管理的，职工在退休后可以领取社会保障养老金。
2. Occupational pension职业年金，是由企业为员工建立的养老金制度。
在英国，职业年金是由企业和员工共同缴纳的，职工在退休后可以领取职业年金。
3. Personal pension个人养老金，是由个人自行购买的养老保险。
在英国，个人养老金是由个人自行缴纳的，退休后可以领取个人养老金。
三、养老保险的缴费养老保险的缴费方式也因国家和地区而异。
在英语中，养老保险的缴费可被称为“contribution”，意为“缴纳”。
1. Social security contribution社会保障缴费。
在美国，职工和雇主都需要缴纳社会保障缴费，用于建立社会保障养老金制度。
2. Pension contribution养老金缴费。
在英国，职工和雇主都需要缴纳养老金缴费，用于建立职业年金制度。
3. Personal contribution个人缴费。
在英国，个人可以自行缴纳个人养老金，用于退休后领取个人养老金。
退休金英语单词
退休金英语单词1. 定义与释义- 单词：pension- 1.1词性：名词- 1.2中文释义：退休金，养老金，是人们在退休后定期领取的一笔钱，用于维持生活。
- 1.3英文释义：A regular payment made by an employer to an employee after they have retired, or by the state to retired people.- 1.4相关词汇：- 同义词：annuity，superannuation。
- 派生词：pensioner（领取退休金的人）。
2. 起源与背景- 2.1词源：“pension”源于拉丁语“pensio”，意思是“支付、租金”。
最初这个词用于表示定期的支付，后来逐渐专门指退休后的养老金支付。
- 2.2趣闻：在一些欧洲国家，传统的养老金体系是非常复杂且与社会结构紧密相连的。
例如，在德国，养老金制度有着悠久的历史，它是社会福利体系的重要组成部分。
德国的养老金制度早期主要是基于雇主与雇员之间的协议，后来逐渐发展成为由国家参与调控的综合体系。
这种体系的发展反映了社会对老年人生活保障重视程度的提高。
3. 常用搭配与短语- 3.1短语：- pension plan：养老金计划例句：Our company has a very good pension plan for employees.翻译：我们公司为员工有一个非常好的养老金计划。
- pension fund：养老基金例句：The pension fund is managed by professional investors.翻译：养老基金由专业投资者管理。
- draw a pension：领取退休金例句：He retired last year and now he can draw a pension every month.翻译：他去年退休了，现在他每个月都能领取退休金。
pension fund制度
pension fund制度
pension fund制度是指一种由公司或政府设立的退休金储蓄计划，旨在帮助员工或公民在退休后获得稳定的收入来源。
pension fund制度通常需要雇主和/或雇员每月向退休金账户缴纳一定比例的薪资。
这些存款会由一个专门管理公司或机构进行投资，以增长该退休金账户的价值。
当员工或公民达到退休年龄，他们将有权从该退休金账户中获取退休金。
pension fund制度的目标是为退休人员提供经济保障和收入稳定的生活。
它可以起到防止退休后因收入减少而导致生活困难的作用。
同时，pension fund制度也可以为雇主提供一种吸引和留住优秀员工的手段。
pension fund制度的具体运作方式可能因国家、公司和组织的不同而有所不同。
有些国家的pension fund制度是由政府设立和管理的，例如社会保险制度；而有些国家的pension fund制度则是由公司设立并委托给第三方管理的。
pension fund的投资组合通常包括股票、债券、房地产等多种资产，以提高投资收益和风险分散。
然而，pension fund制度也存在一些缺点和挑战。
随着人口结构的变化和人均寿命的延长，pension fund可能面临资金短缺的问题。
此外，全球经济形势的波动和金融市场的不稳定性也可能对pension fund的投资产生负面影响。
一些企业和政府也可能面临pension fund不足以支付退休金的问题。
为了应对这些挑战，有些国家和组织可能会采取一些措施，如
提高退休金缴费比例、增加投资回报率或改革退休金制度，以确保pension fund制度的可持续性和退休人员的经济福利。
subsidy,allowance,pension,benefit,welfare,assistance,aid和bonus
allowance 多指subsidypension长期的补助，是指政府定期（长期）给退休人员的的有fund pool（资金池）的退休金、养老金之类/widow单亲妈妈的补贴（单亲爸爸拿不到）/残障人士的定期补贴，只要符合规定，可以一直领取，如age pension 养老金，disability pension 残疾人津贴（伤残补贴），carer payment 照顾者津贴（照顾残疾人亲属者可领）。
也可以用于军人退伍，指退伍费之类的。
总的来看，要满足两个要求：①定期支付②拿钱的人不工作了。
有时也会以state p ension的搭配出现。
从整个英语历史的角度来看，pension这个词还可以指代政府部门发放给艺术行业以及学术研究行业的特殊补贴。
pension作为动词时，固定搭配off，pension someone off的意思就是辞退某人并且给他持续发放退休金（because of age or ill health）pension something off弃置discard一件旧物。
allowance津贴，应得的（短期）本意应该是“根据法律法规一件事物所允许的最大携带量”，比如登机时候你所能带的行李数量，就叫baggage allowance。
准备金，可抵扣的部分金额，或者为了某个特定的事情而定期给的钱。
比如capital allowance就是指企业可以用于税收减免的资产减损，travel allowance 就是公司定期给员工的交通补助。
也是要满足两个要求：①定期支付②为了某个特定的东西/事物。
可指代各种补贴，比如夏天的高温补贴，冬天的御寒补贴，而且不局限政府津贴。
在美式英语里面还可以指代父母给小孩的零花钱。
Allowance作为动词时，意思就是给某人发放津贴。
allowance还有个短语叫make allowance(s) for something，意思是在做计划的时候把某件事物考虑进去，也可以理解为把计划做松动一点，以备不时之需。
fund固搭及用法
fund固搭及用法“Fund”是一个经常出现在商业和金融领域的术语，它在不同的环境中有着不同的含义和用法。
在本文中，我们将重点介绍“fund”的固定搭配和相关用法。
请注意，文中不会包含任何链接。
1. Start a Fund“Start a fund”意味着发起一个基金。
这个短语通常用于描述个人、组织或团体发起一个基金来支持特定的目标或事业。
例如，一位慈善家可以“start a fund”来帮助贫困儿童获得教育，或者一家公司可以“start a fund”来支持员工的创新项目。
2. Mutual Fund“Mutual fund”是一种由投资者共同投资于多种不同证券的投资工具。
投资者购买基金的股份，而基金公司负责管理并投资于不同的证券，如股票、债券和货币市场工具。
投资者可以通过购买或卖出基金的股份来参与基金的收益和风险。
3. Hedge Fund“Hedge fund”是一种由专业投资者管理并投资于各种不同资产类别的基金。
与传统的投资基金不同，对于“hedge fund”来说，通常没有限制于特定投资策略或市场。
它通常由富裕的投资者投资，提供更高风险和更高回报的机会。
4. Pension Fund“Pension fund”是一种旨在为退休人员提供收入的基金。
雇主和/或雇员通常会每月向该基金缴纳一定比例的薪资，以便在他们退休后能获得一定的养老金。
5. Investment Fund“Investment fund”是一种汇集了多个投资者资金的基金，以用于购买和投资于各种不同的资产，如股票、债券、房地产和商品等。
投资基金的目标是为投资者提供更高的回报和分散风险的机会。
6. Venture Capital Fund“Venture capital fund”是一种专门用于投资初创企业和高风险项目的基金。
这种资金通常来自寻求高回报的投资者，他们将资金提供给初创企业以支持它们的发展和扩张。
7. Sovereign Wealth Fund“Sovereign wealth fund”是由国家统治者或政府控制的基金，由该国的官方储备资金投资于各种资产，如股票、债券、房地产等。
养老金的英语
养老金的英语PensionPension refers to a retirement fund that is set up to provide financial support for retired individuals. In many countries, pensions are funded through a combination of employer contributions, employee contributions, and government subsidies. Pensions can take different forms, including defined benefit plans, defined contribution plans, and hybrid plans.In China, the pension system includes a basic pension, which is funded by both employers and employees, as well as a supplementary pension, which is funded by employees only. The basic pension is meant to provide a basic level of support for retirees, while the supplementary pension is intended to provide additional support for those who have contributed more to the pension system.The issue of pension reform has become increasingly important in many countries, as the population ages and the cost of providing retirement benefits increases. Some countries have raised the retirement age or reduced benefits to address this challenge, while others have introduced new forms of pensions or encouraged greater private savings for retirement.Overall, pension systems play a crucial role in supporting retirees and ensuring that they have access to adequate financial resources during their retirement years. As such, it is important for governments, employers, and employees to work together to develop sustainable and effective pension systems that meet the needs of retirees and the broader society.。
养老金国家政策(含解释)
养老金国家政策(含解释)养老金国家政策(含解释)1.引言养老金是指由国家、企事业单位和个人按照一定比例缴纳的一种社会保险，旨在为劳动者在退休后提供经济保障和福利。
本文档将详细介绍养老金国家政策及相关解释。
2.养老金的基本概念和目标2.1 养老金的基本概念养老金是由国家根据法律规定，由用人单位和劳动者共同缴纳的一定金额，用于保障劳动者在退休后的生活。
2.2 养老金的目标养老金的目标是为劳动者提供经济保障，保障其在退休后能够维持基本的生活水平，保障其基本生活需求。
3.养老金的缴纳规定3.1 缴纳主体养老金的缴纳主体包括国家、企事业单位和个人。
国家根据法律规定设立养老金基金，企事业单位和个人按照规定比例缴纳养老金。
3.2 缴纳比例根据养老金国家政策规定，企事业单位和个人应按照一定比例缴纳养老金。
具体的缴纳比例根据不同的企事业单位和个人所属行业、层级等因素而有所不同。
4.养老金的享受条件和标准4.1 享受条件劳动者符合以下条件之一，即可享受养老金待遇：- 达到国家规定的退休年龄；- 因工伤等原因被提前退休；- 达到规定的退休年龄但不愿意退休的，经用人单位同意可以继续工作，但不再缴纳养老金。
4.2 享受标准养老金的享受标准根据劳动者在职期间的缴纳情况来确定，一般情况下，缴纳越多、工作年限越长的劳动者可以获得较高的养老金待遇。
5.养老金的支付方式5.1 养老金的支付时间养老金一般在劳动者退休后开始支付，按月支付，每月固定支付一定金额的养老金。
5.2 养老金的支付方式养老金可以通过以下方式进行支付：- 银行代发：将养老金直接支付到劳动者指定的银行账户中；- 邮局代发：将养老金通过邮局汇寄给劳动者；- 柜台支付：劳动者可以到指定的柜台领取养老金。
附件:1.养老金国家政策法律文本法律名词及注释:1.养老金基金：国家设立的养老金专门基金，用于支付养老金待遇。
2.退休年龄：国家规定的劳动者可以退休的年龄。
3.工伤：劳动者因工作引起的身体伤害或职业病，符合国家规定的工伤认定标准。
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Differences between their policies
• The policy of bank：It may go bankrupt and once it happens, you will lose all your money. • The policy of pension fund: according to the Insurance Law of People‘s Republic of China(中华人 民共和国保险法），the insurance company operating the life business should be dissolved and the premiums need to be paid at the predetermined time.
The tax is different
Compared to insurance, banks levy a tax on the public in many ways, for example, interest tax ,gift tax, inheritance tax. And the tax is relatively high, which may up to fifty-five per cent. In contrast, insurance is free of tax.
Difference between their risks
The risk of bank deposit: In the case of inflation, the price level is so
high that reduces the purchasing power of money. So the income of the bank savings interest is few.
The difference between their Stabilities
• The interest of bank deposit is variable and not high. • The guarantee of pension fund will not be changed by external factors. And the interest of it is higher than that of bank.
The risk of pension fund deposit：The risk is very low because it is
raised and managed by the country ,and it is an essential part of our social security system. However, if you are unlucky to live a long life, the money paid will not be handed back.
Introduction of Bank Deposit
• It is more convenient and flexible for the customers to choose the way of deposit. • Advantage:you can get your money back any time you want if you choose current account/ checking account( 活期存款账户） • Disadvantage: the interests may loose when you withdraw your money back if you choose fixed saving account.
The main diffferences:
• 1.For the rural pension in china, the interest of pension fund is higher than that of bank deposit. Also, people can get much higher return than banks by compound interest and tax exempt interest f from pension. • 2.It is set by our country that the premium the policy holder receive is free of tax , and the insured amount should not be used as any economic compensation, which means it is protected by law. But the deposit money could be forced to pay a debt once there is a economic disputes. • 3.You could just withdraw your principle and interest back with the bank deposits. But you could receive the premium according to the total accumulation until to your death mostly, and even for the minimum guaranteed time is ten years, which means the actual money you get at last is much more than you deposit in the pension fund. In a word, once you participate the pension fund, you enter into the social security system.
conclusion:
The pension fund is better than bank deposit
Introduction of The Pension Fund
Most of the pension funds are a compulsory saving behavior, from which you can’t withdraw your money back as the due time doesn’t arrive. Moreover, your compensation can’t be obtained immediately according to the efficiency of the insurance company and their policies.
The services are different.
Banks set service points to provide serve to the public, the public need to go to the banks personally to deposit or withdraw deposit. Instead, the insurance companies have lots of professional teams to provide door-to-door services most of the time. And they pay regular returns and warm services to customers.
The behavior is differeent is different
1.Bank deposit is the personal behavior,what we could depend on is only ourselves if there was any risk. 2.Pension fund deposit includeetwo kinds.
• And the second kind is defined-benefit（明确收 益） pension.The employee's pension benefit is determined by a formula that takes into account years of service to the employer and, in most cases,wages and salary.A typical formula would be 1% of average retirement salary for each year of service
Question: which is better?
Compare The Differences
1.The functions are Different:
Pension fund places more emphasis on the guarantee. Bank deposit focus more on the diversity of the investment when you choose different currencies.
Euro Franc Mark Pound Ruble Dollars Yen RMB
• 2.The befenits you get are different: • Pension fund=the money you devote for yourself +the money others pay the insurance for you • Bank deposit=capital+interest
The function is different
The services of banks are mainly savings and loan. Savings mean to leave your money under the custody of banks and earn interest from the banks. loan is the service that banks lend money to those needing money and obtain interest. Relatively speaking, the primary function for insurance is to guarantee.