Occupational Pension Schemes: Prospects and Reforms in the UK
Occupational Pension Schemes: Prospects and Reforms in the UK
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职业养老金计划：英国的前景与改革
DOI：
10.1111/j.1475-5890.1995.tb00225.x
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发表时间：
1995
期刊：
影响因子：
7.3
通讯作者：
R. Disney
中科院分区：
文献类型：
--
作者：
R. Disney
私人养老金似乎有可能成为未来大多数退休工人的主要收入来源。自1986年以来发展的新的私人养老金工具，特别是个人养老金，已被证明是受欢迎的，但对个人养老金的“过度销售”和与养老金提供的“货币购买”形式相关的风险的关注经常被评论家表达出来。对许多人来说，无论对错，“传统的”基于最终工资的职业养老金仍然是英国私人养老金的基准。然而，最近的趋势，最显著的是取代基于最终工资的安排的其他办法的增加以及雇主对提供养恤金的态度的转变，表明职业养恤金部门今后将发生重大变化。
Private pensions seem likely to provide the dominant source of income for the majority of retired workers in the future. New private pension instruments developed since 1986, notably personal pensions, have proved popular, but concern as to ‘overselling’ of personal pensions and as to the risks associated with the ‘money purchase’ form of pension provision is frequently voiced by commentators. For many people, rightly or wrongly, the ‘traditional’ finalsalary- based occupational pension remains the bench-mark for private pension provision in the UK. Nevertheless, recent trends, most notably the growth of alternatives to final- salary-based arrangements and a shift in attitudes towards pension provision among employers, suggest that the occupational pension sector will undergo significant changes in the future.