unfunded pension plan

简明释义

无基金退休金计划

英英释义

例句

1.The state government is facing criticism for its unfunded pension plan 无资金支持的养老金计划 that has accumulated a large deficit.

州政府因其累积了大量赤字的无资金支持的养老金计划而面临批评。

2.Many experts recommend transitioning away from an unfunded pension plan 无资金支持的养老金计划 to a fully funded system.

许多专家建议将无资金支持的养老金计划转变为完全资助的系统。

3.The city council voted to reform the unfunded pension plan 无资金支持的养老金计划 to ensure long-term sustainability.

市议会投票改革无资金支持的养老金计划以确保长期可持续性。

4.Employees were worried about their future benefits from the unfunded pension plan 无资金支持的养老金计划.

员工们对来自无资金支持的养老金计划的未来福利感到担忧。

5.The company decided to eliminate the unfunded pension plan 无资金支持的养老金计划 due to rising costs.

公司决定取消这个由于成本上升而导致的无资金支持的养老金计划。

作文

In today's world, retirement planning has become an essential aspect of financial security. One of the critical components of retirement planning is a pension plan. However, not all pension plans are created equal, and one type that has garnered significant attention in recent years is the unfunded pension plan. An unfunded pension plan refers to a retirement plan where the employer has not set aside sufficient assets to cover future pension liabilities. This situation poses significant risks for both employees and employers, making it a vital topic to understand.To comprehend the implications of an unfunded pension plan, we must first explore how pension plans typically operate. Generally, pension plans are designed to provide employees with a steady income after retirement, funded through contributions made by both the employer and the employee during their working years. However, in the case of an unfunded pension plan, the employer lacks the necessary funds to meet these future obligations. This can happen for various reasons, including poor investment returns, economic downturns, or mismanagement of funds.The consequences of an unfunded pension plan can be severe. For employees, it means uncertainty regarding their financial security in retirement. When a pension plan is unfunded, there is a risk that employees may not receive the benefits they were promised. This situation can lead to financial distress for retirees who have relied on these pensions as their primary source of income. Furthermore, the lack of funding can also create a sense of distrust between employees and employers, as workers may feel that their future is being jeopardized by the company's financial decisions.From the employer's perspective, an unfunded pension plan can lead to significant financial liabilities. Companies may face legal challenges if they fail to fulfill their pension obligations, which can result in costly lawsuits and damage to their reputation. Additionally, if a company goes bankrupt, the pension plan may be significantly underfunded, leaving retirees without the benefits they expected. This can create a ripple effect, impacting not only the employees but also the broader economy as retirees reduce their spending due to diminished incomes.Governments often step in to regulate pension plans to protect employees from the risks associated with unfunded pension plans. In many countries, there are laws and regulations that require employers to maintain certain funding levels for their pension plans. These regulations aim to ensure that companies remain financially responsible and that employees' retirement benefits are secure. However, enforcement can vary, and some companies may still find ways to circumvent these rules, leading to potential risks for employees.In conclusion, understanding the concept of an unfunded pension plan is crucial for both employees and employers. It highlights the importance of proper financial planning and management in ensuring the long-term viability of retirement benefits. As individuals plan for their futures, they must consider the stability of their pension plans and advocate for transparency and accountability from their employers. Likewise, employers must recognize the significance of maintaining adequately funded pension plans to foster trust and security among their workforce. Ultimately, a well-managed pension plan can serve as a cornerstone for a secure retirement, while an unfunded pension plan can lead to uncertainty and financial hardship for many.

在当今世界，退休规划已成为财务安全的重要方面。退休计划的一个关键组成部分是养老金计划。然而，并非所有养老金计划都是平等的，其中一种近年来引起广泛关注的类型是无资金养老金计划。无资金养老金计划指的是雇主没有足够的资产来覆盖未来养老金负债的退休计划。这种情况对员工和雇主都构成了重大风险，使其成为一个重要的话题。要理解无资金养老金计划的影响，我们首先必须探讨养老金计划通常是如何运作的。一般来说，养老金计划旨在为员工提供退休后的稳定收入，通过雇主和员工在工作期间的共同缴款来资助。然而，在无资金养老金计划的情况下，雇主缺乏满足这些未来义务所需的资金。这可能由于多种原因造成，包括投资回报不佳、经济衰退或资金管理不善。无资金养老金计划的后果可能是严重的。对于员工来说，这意味着退休时财务安全的不确定性。当养老金计划没有资金时，员工可能无法获得他们被承诺的福利。这种情况可能会导致退休人员的财务困境，因为他们依赖这些养老金作为主要收入来源。此外，缺乏资金也可能在员工和雇主之间造成不信任，因为员工可能会觉得他们的未来正受到公司财务决策的威胁。从雇主的角度来看，无资金养老金计划可能导致重大的财务负担。如果公司未能履行其养老金义务，可能面临法律挑战，这可能导致高昂的诉讼费用和声誉损害。此外，如果一家公司破产，养老金计划可能会严重缺乏资金，导致退休人员无法获得他们所期望的福利。这可能产生连锁反应，影响不仅是员工，还有更广泛的经济，因为退休人员因收入减少而减少支出。政府通常会介入以规范养老金计划，以保护员工免受与无资金养老金计划相关的风险。在许多国家，有法律和法规要求雇主维持养老金计划的某些资金水平。这些规定旨在确保公司保持财务责任，并确保员工的退休福利是安全的。然而，执行情况可能有所不同，一些公司可能仍会找到规避这些规则的方法，从而给员工带来潜在风险。总之，理解无资金养老金计划的概念对员工和雇主都至关重要。它突显了适当的财务规划和管理在确保退休福利长期可行性中的重要性。当个人为自己的未来进行规划时，他们必须考虑养老金计划的稳定性，并倡导雇主的透明度和问责制。同样，雇主必须意识到维护足够资金的养老金计划的重要性，以促进员工之间的信任和安全。最终，管理良好的养老金计划可以作为安全退休的基石，而无资金养老金计划则可能导致许多人面临不确定性和财务困境。