Príklady defined-contribution

• A further main contention is the risk attached to a defined-contribution versus a defined-benefit scheme.

• The last two also top up the defined-contribution pension with a public, earnings-related pension payment.

• Low levels of voluntary annuitization are becoming more evident as countries add defined-contribution components to existing retirement savings schemes.

• In consequence, economic growth might be increased, for example due to more efficient allocation of labour to its most remunerative uses after pension reform to funded defined-contribution plans.

• If at some point in time the government bonds become tradable, then this policy can also facilitate the transition to a defined-contribution fully funded pension system.

• I would not be at all surprised if most final-salary company pension schemes moved, for new employees, towards being money-purchase or defined-contribution schemes.

• However good, that replacement defined-contribution scheme must at least increase the element of risk to the individual pension investor.

• Then, perhaps, we should look at what is happening to defined-contribution or money purchase schemes themselves.

• The second area of grief is the inexorable decline in defined-contribution schemes.

• The first is that personal pensioners and those with defined-contribution, as opposed to defined-benefit, occupational pensions—there are millions of people in those two categories—will be significantly worse off.

• The alternative pension scheme that companies are embracing is the defined-contribution or money-purchase scheme, which transfers any investment risk to the individual away from the company.

• In a defined-contribution plan, a fixed contribution (percentage of total paycheck or a fixed sum) is made per pay period.

• Other employer-provided defined-contribution plans include 403(b) plans, for nonprofit institutions, and 457(b) plans for governmental employers.