为了帮助考生们更好的备考GRE阅读，出国留学网GRE栏目为大家带来“GRE经济类双语阅读之英国养老金”，希望对大家有所帮助哦!
Pensions——Pot luck
养老金：随用随取的钱罐
The chancellor hands more freedom to retirees
财政大臣给予退休人员更多的自由
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GET out those cruise brochures—retirees may soon be going on a spending spree. Historically, most Britons with personal pensions and those in so-called “defined-contribution” schemes have been forced to use their pension pots to buy an annuity—a product paying a (normally fixed) income for the rest of their lives. These have never been popular. Money invested in an annuity is locked away and cannot be passed on to the retiree's heirs. Recently, low interest rates and longer life spans have caused annuity rates to fall sharply. Last month the Financial Conduct Authority, Britain's regulator, concluded that the annuity market “is not working well for consumers”.
现在出现了那种旅行宣传册—退休人员可能很快过上肆意狂欢的生活。回首过去，大多数拥有个人退休金的英国人和那些所谓的“界定供款计划”(即雇主或雇员将资金投入某个计划，由基金管理人员利用此投资进行市场运作)的参与者，都被强制去用他们的退休金购买年金—是一种定期投入资金并且终生可定期领取一定金额的计划。但这些并不被大众接受，因为用于年金投资的钱都是被限制的，子女并不能作为接受者。而近期，低利率和较长的使用期使得年金利率大幅下降。英国的监管机构—金融服务监督局，于上月宣布“年金计划和消费者相处的并不融洽”。
Few anticipated George Osborne's sweeping response. In his budget speech, the chancellor outlined a plan to do away with the requirement to buy an annuity and all the arcane r...