annuity reserve; reserve for staff annuity

简明释义

年金准备

英英释义

例句

1.Our financial strategy includes increasing the reserve for staff annuity 员工年金准备金 by 10% each year.

我们的财务策略包括每年将员工年金准备金增加10%。

2.The company set aside a significant amount in the annuity reserve 年金准备金 to ensure future payouts to retirees.

公司为确保未来向退休人员支付的款项，预留了大量资金作为年金准备金。

3.The actuary recommended adjustments to the annuity reserve 年金准备金 based on current life expectancy trends.

精算师建议根据当前的寿命预期趋势调整年金准备金。

4.The annuity reserve 年金准备金 is crucial for maintaining the financial health of the pension plan.

保持养老金计划财务健康的关键是年金准备金。

5.During the financial audit, the reserve for staff annuity 员工年金准备金 was reviewed to confirm its adequacy.

在财务审计过程中，审核了员工年金准备金以确认其充足性。

作文

An annuity is a financial product that provides a series of payments made at equal intervals. It is often used as a means for individuals to secure a steady income during retirement. However, managing an annuity also involves understanding the concept of an annuity reserve, which refers to the funds set aside by an insurance company or financial institution to ensure that it can meet its future obligations to annuity holders. This reserve is crucial because it guarantees that the institution has enough capital to pay out the promised benefits over time. The reserve for staff annuity is a specific type of annuity reserve that focuses on the funds allocated for employees within an organization. Companies often offer pension plans or retirement benefits to their staff, and the reserve for staff annuity ensures that these obligations are met. By maintaining a dedicated reserve, companies can provide financial security to their employees after they retire, thus enhancing job satisfaction and loyalty. Understanding the significance of these reserves is essential for both individuals and corporations. For individuals, knowing that there is a well-managed annuity reserve can provide peace of mind when planning for retirement. It assures them that the income they expect to receive in their later years is backed by solid financial practices. On the other hand, for companies, having a robust reserve for staff annuity reflects good governance and responsible management. It demonstrates to employees that the organization values their contributions and is committed to their long-term welfare. Moreover, the calculation of these reserves is a complex process that involves actuarial science. Actuaries assess various factors such as life expectancy, interest rates, and the overall economic environment to determine how much money needs to be set aside. This ensures that the annuity reserve is sufficient to cover future payouts while also allowing the company to remain profitable. In conclusion, both the annuity reserve and the reserve for staff annuity play critical roles in financial planning and stability. They not only protect the interests of individuals relying on annuities for their retirement but also safeguard the financial health of organizations that promise retirement benefits to their employees. As we navigate through our financial lives, it is important to understand these concepts and their implications for our future security. A well-funded annuity reserve can make a significant difference in ensuring a comfortable and stress-free retirement, while a solid reserve for staff annuity can reinforce the bond between employees and employers, fostering a culture of trust and commitment.

年金是一种金融产品，提供在固定时间间隔内支付的一系列款项。它通常被用作个人在退休期间确保稳定收入的手段。然而，管理年金还涉及理解“年金准备金”的概念，这指的是保险公司或金融机构为确保能够履行对年金持有者的未来义务而预留的资金。这个准备金至关重要，因为它保证了机构有足够的资本来支付承诺的福利。“员工年金准备金”是一种特定类型的年金准备金，专注于为组织内的员工分配的资金。公司通常向员工提供养老金计划或退休福利，而“员工年金准备金”确保这些义务得到满足。通过维持专门的准备金，公司可以在员工退休后为他们提供财务安全，从而增强工作满意度和忠诚度。理解这些准备金的重要性对个人和公司都至关重要。对于个人来说，知道有一个良好管理的“年金准备金”可以在规划退休时提供安心。它向他们保证，他们期望在晚年收到的收入是由可靠的财务实践支持的。另一方面，对于公司而言，拥有强大的“员工年金准备金”反映了良好的治理和负责任的管理。它向员工表明，组织重视他们的贡献，并致力于他们的长期福祉。此外，这些准备金的计算是一个复杂的过程，涉及精算科学。精算师评估各种因素，如预期寿命、利率和整体经济环境，以确定需要预留多少钱。这确保了“年金准备金”足以覆盖未来的支付，同时也允许公司保持盈利。总之，“年金准备金”和“员工年金准备金”在财务规划和稳定中发挥着关键作用。它们不仅保护依赖年金过上退休生活的个人的利益，还保障承诺向员工提供退休福利的组织的财务健康。在我们经历财务生活的过程中，理解这些概念及其对我们未来安全的影响是非常重要的。充足的“年金准备金”可以在确保舒适和无忧的退休生活方面产生重大影响，而稳固的“员工年金准备金”可以加强员工与雇主之间的联系，促进信任和承诺的文化。