pension

简明释义

英[ˈpenʃ(ə)n]美[ˈpenʃən]

n. 养老金，退休金；（法国和其他一些欧洲国家的）廉价小旅店；<史>（给皇室宠臣、艺术家或学者以便他们能从事公益工作的）津贴，补助金

v. （尤指因年龄或疾病而）向（某人）支付养老金使其退休；（因陈旧或不再有用而）丢弃（某物）

复 数 p e n s i o n s

第 三 人 称 单 数 p e n s i o n s

现 在 分 词 p e n s i o n i n g

过 去 式 p e n s i o n e d

过 去 分 词 p e n s i o n e d

英英释义

单词用法

同义词

反义词

例句

1.You will be entitled to your pension when you reach 65.

你到65岁就有资格享受养老金。

2.Many employees contracted out of the pension plan.

许多雇员退出了养老金计划的合约。

3.If you should be fired, your health and pension benefits will not be automatically cut off.

如果你失业了，你的健康津贴和养老金将不会自动中断。

4.You need feel no care for the coming tomorrow: when you are old, you receive a pension.

你不必为明天担心：当你老了，你就能领到养老金了。

5.The assets that the Norwegian Government owns is about two-thirds oil and one-third government pension fund assets.

挪威政府所持有的资产中，大概有三分之二的石油和三分之一的政府养老基金。

6.He was offered a generous pension provided he left without a fuss.

只要他毫无怨言地离开，他就会得到一笔丰厚的退休金。

7.The firm granted him a pension.

公司赐予他年金。

8.The government must not use this initiative as a means of resolving the pension problem through the back door.

该政府绝不可使用这种方式，采取不正当的措施解决养老金问题。

9.Your contributions will affect your pension entitlements.

你缴纳的养老金分摊额将会影响你领取养老金的数额。

10.She decided to increase her contributions to her pension plan.

她决定增加对她的养老金计划的贡献。

11.The pension fund has been performing well this year.

这个养老金基金今年表现良好。

12.Many companies offer a pension plan to help employees save for retirement.

许多公司提供养老金计划，以帮助员工为退休储蓄。

13.After years of hard work, she finally received her retirement pension.

经过多年的努力工作，她终于收到了退休养老金。

14.He relies on his government pension to cover his living expenses.

他依靠政府的养老金来支付生活费用。

作文

In today's world, the concept of a pension (养老金) has become increasingly important as people live longer and retirement planning becomes more complex. A pension is essentially a financial arrangement that provides individuals with a steady income after they have retired from their jobs. This income is typically derived from contributions made during their working years, either by themselves or their employers. Understanding how pension systems work is crucial for anyone looking to secure their financial future.There are several types of pension plans available, including defined benefit plans and defined contribution plans. Defined benefit plans promise a specific monthly benefit upon retirement, which is calculated based on factors such as salary history and duration of employment. This type of pension is often funded by the employer, which means that employees can rely on a predictable income in their retirement years.On the other hand, defined contribution plans, such as 401(k) plans in the United States, allow employees to contribute a portion of their salary into an investment account. The final amount available at retirement depends on the contributions made and the performance of the investments. This type of pension requires individuals to take a more active role in managing their retirement savings, which can be both empowering and daunting.The importance of a pension cannot be overstated. With the decline of traditional employer-sponsored retirement plans, many individuals are now responsible for their own retirement savings. This shift has made it essential for people to educate themselves about pension options and to start saving early. Financial advisors often recommend starting a pension plan as soon as possible to take advantage of compound interest, which can significantly increase the total amount saved over time.Moreover, government policies also play a significant role in shaping pension systems. In many countries, social security programs provide a basic level of income for retirees, but this is often not enough to maintain a comfortable standard of living. Therefore, individuals are encouraged to supplement their government benefits with personal pension savings. This dual approach ensures that retirees have multiple streams of income, which can help alleviate financial stress during their golden years.However, despite the clear advantages of having a pension, many people still neglect to plan for their retirement adequately. Common reasons include procrastination, lack of knowledge, or the misconception that retirement is far off and can be dealt with later. Unfortunately, this mindset can lead to insufficient savings and financial difficulties in retirement. It is crucial for individuals to recognize the importance of a pension and to take proactive steps towards securing their financial future.In conclusion, a well-structured pension (养老金) plan is vital for ensuring a stable and comfortable retirement. As life expectancy increases, the need for a reliable source of income post-retirement becomes more pressing. By understanding the different types of pension plans available and starting to save early, individuals can take control of their financial destiny and enjoy their retirement years without financial worries.

在当今世界，pension（养老金）的概念变得越来越重要，因为人们的寿命延长，退休规划变得更加复杂。pension本质上是一种财务安排，为个人在退休后提供稳定的收入。这种收入通常来源于他们在工作期间的贡献，无论是自己还是雇主的贡献。理解pension系统的运作对于任何希望确保自己财务未来的人来说都是至关重要的。有几种类型的pension计划，包括固定福利计划和固定缴款计划。固定福利计划承诺在退休时提供特定的每月福利，该福利根据工资历史和工作年限等因素计算。这种类型的pension通常由雇主资助，这意味着员工可以依赖于退休后的可预测收入。另一方面，固定缴款计划，例如美国的401(k)计划，允许员工将部分工资存入投资账户。退休时可用的最终金额取决于所做的贡献和投资的表现。这种类型的pension要求个人在管理退休储蓄方面采取更积极的角色，这既令人振奋又令人生畏。pension的重要性不容小觑。随着传统雇主赞助的退休计划的减少，许多人现在必须为自己的退休储蓄负责。这一转变使得人们必须教育自己有关pension选项，并尽早开始储蓄。财务顾问通常建议尽早开始pension计划，以利用复利，这可以显著增加长期储蓄的总额。此外，政府政策在塑造pension系统方面也发挥着重要作用。在许多国家，社会保障计划为退休人员提供基本收入水平，但这通常不足以维持舒适的生活标准。因此，鼓励个人用个人pension储蓄来补充政府福利。这种双重方法确保退休人员拥有多种收入来源，从而帮助减轻他们黄金岁月中的经济压力。然而，尽管拥有pension的明显优势，许多人仍然忽视了适当规划退休的问题。常见原因包括拖延、缺乏知识或误认为退休还很遥远，可以稍后处理。不幸的是，这种心态可能导致储蓄不足和退休时的经济困难。个人必须认识到pension的重要性，并采取积极措施确保自己的财务未来。总之，一个结构良好的pension（养老金）计划对确保稳定和舒适的退休生活至关重要。随着预期寿命的增加，退休后可靠收入来源的需求变得更加紧迫。通过了解不同类型的pension计划并尽早开始储蓄，个人可以掌控自己的财务命运，享受没有经济担忧的退休生活。