数百万人面临公司养老金价值缩水

2020-11-25 23:34

Spending Review: Millions face cut in value of workplace pensions KS1世界播

支出回顾:数百万人面临工作场所养老金价值削减。KS1世界播


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Millions of retirees will see the future value of their pension cut owing to a planned change in the way payments are calculated from 2030. KS1世界播

由于计划从2030年开始改变支付方式,数百万退休人员的养老金未来价值将被削减。KS1世界播


Many of those with so-called defined benefit workplace pensions see their pension payments increase each year in line with the rising cost of living. KS1世界播

许多拥有所谓固定收益工作场所养老金的人发现,他们的养老金支出每年都会随着生活成本的上涨而增加。KS1世界播


The way this annual rise is calculated is expected to become less generous from February 2030. KS1世界播

预计从2030年2月起,计算这一年度涨幅的方式将变得不那么慷慨。KS1世界播


Chancellor Rishi Sunak ruled out making a change any earlier. KS1世界播

总理Rishi Sunak排除了早些时候做出任何改变的可能性。KS1世界播


Women and new retirees will be hardest hit by the changes which were revealed in documents released alongside the chancellor's Spending Review, but not mentioned in Mr Sunak's speech. KS1世界播

女性和新退休人员将受到这些变化的最大打击,这些变化是在与财政大臣的支出审查同时发布的文件中披露的,但在苏纳克的演讲中没有提到。KS1世界播


Over time, the value of their pensions could be thousands of pounds less than they might have expected. KS1世界播

随着时间的推移,他们的养老金价值可能会比他们预期的少数千英镑。KS1世界播


The proposed changes do not affect the state pension, which will rise by 2.5% in April in line with the government's triple-lock promise. KS1世界播

拟议中的改革不会影响国家养老金,4月份国家养老金将上涨2.5%,与政府的三锁承诺保持一致。KS1世界播


Investors - often pension funds - who buy index-linked gilts (government debt sometimes linked to RPI inflation) would have been hit harder had the change been made earlier. KS1世界播

购买与指数挂钩的金边债券(政府债券有时与RPI通胀挂钩的政府债券)的投资者-通常是养老基金-如果早些做出这一改变,可能会受到更大的打击。KS1世界播


From 2030, there could be some benefit to commuters and those paying back student loans, owing to the changes. KS1世界播

从2030年开始,由于这些变化,通勤者和偿还学生贷款的人可能会受益。KS1世界播


What happens under these plans? KS1世界播

在这些计划下会发生什么?KS1世界播


The rising cost of living is calculated using various measures, including the Retail Prices Index (RPI) measure of inflation. KS1世界播

生活成本的上涨是使用各种衡量标准来计算的,包括衡量通货膨胀的零售价格指数(RPI)。KS1世界播


National statisticians believe this is no longer a valid measure, saying that other measurements are more reliable. KS1世界播

国家统计学家认为这不再是一个有效的衡量标准,他们说其他衡量标准更可靠。KS1世界播


As a result, in 2030 RPI is likely to be aligned with another, newer, measure of inflation called CPIH, which is the Consumer Prices Index plus housing costs. This is generally lower, often by about 0.8%, although the gap is currently narrower. KS1世界播

因此,在2030年,RPI可能会与另一种更新的通胀指标CPIH保持一致,即消费者价格指数(CPI)加上住房成本。这一比例普遍较低,通常在0.8%左右,尽管目前差距较小。KS1世界播


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The chancellor could have signalled a change as early as 2025, but said no change should occur before 2030. KS1世界播

这位财政大臣本可以早在2025年就发出改变的信号,但他表示,在2030年之前不应该发生改变。KS1世界播


Some financial products and bills are pegged to RPI, when they increase each year. KS1世界播

一些金融产品和票据每年增长时都与RPI挂钩。KS1世界播


They include interest on student loans, and the annual rise in rail fares. KS1世界播

其中包括助学贷款的利息,以及铁路票价的年度上涨。KS1世界播


However, the most significant link is to the majority of defined benefit (often final salary linked) workplace pensions in the private sector. KS1世界播

然而,最重要的联系是与私营部门的大多数固定福利(通常是与最终工资挂钩)的工作场所养老金。KS1世界播


Each year, retirees see their pension increased in line with inflation, as measured by RPI. The same is true of workplace pension pots where contributions have stopped, usually because the holder has moved job but is not yet old enough to draw the pension. KS1世界播

根据RPI的衡量,退休人员的养老金每年都会随着通货膨胀而增加。工作场所养老金池也是如此,那里的缴费已经停止,通常是因为持有者已经换了工作,但还没有到领取养老金的年龄。KS1世界播


In 2010, George Osborne as chancellor switched public sector pension annual uprating from RPI to the, mostly-lower, Consumer Prices Index (CPI) measure of inflation. KS1世界播

2010年,乔治·奥斯本(George Osborne)担任财政大臣时,将公共部门养老金年度涨幅从RPI改为消费者物价指数(CPI)通胀指标,但CPI大多较低。KS1世界播


Who is worst affected? KS1世界播

谁受到的影响最大?KS1世界播


As RPI will most likely be lower from 2030 than people would otherwise have expected, so the annual increase in their pension will be lower than they had planned. KS1世界播

由于从2030年开始,RPI很可能会低于人们的预期,因此他们养老金的年度增幅也将低于他们的计划。KS1世界播


Women (who live longer) and new retirees (who face years of a less generous pension from 2030) would be affected the most, according to the Pensions Policy Institute. KS1世界播

根据养老金政策研究所(Pensions Policy Institute)的数据,女性(寿命更长)和新退休人员(从2030年起面临多年不那么慷慨的养老金)将受到最大影响。KS1世界播


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Investors - particularly pension funds - also hold index-linked gilts, which is government debt linked to RPI inflation. These would also become less valuable if RPI was lower. KS1世界播

投资者--尤其是养老基金--也持有与指数挂钩的英国国债,这是与RPI通胀挂钩的政府债务。如果RPI较低,这些资产的价值也会降低。KS1世界播


But, pension funds would also pay out less to members in retirement - so how big a hit they face depends on their mix of their investments and what they have to pay out to pensioners. KS1世界播

但是,养老基金在退休后支付给成员的金额也会减少-因此,他们面临的打击有多大取决于他们的投资组合,以及他们必须向养老金领取者支付的金额。KS1世界播


The chancellor ruled out reforming RPI before 2030 because current 10-year index-linked gilts would have matured by then. Anyone investing in them from now will be aware of the change. KS1世界播

这位财政大臣排除了在2030年前改革RPI的可能性,因为到那时,目前与指数挂钩的10年期英国国债已经到期。从现在开始,任何投资它们的人都会意识到这一变化。KS1世界播


Why the issue is not closed KS1世界播

为什么这个问题没有结案?KS1世界播


Tom Selby, from investment firm AJ Bell, said: "From 2030 onwards the message is unequivocal: if you are negatively impacted by this, tough. The government is clear it will not provide any kind of compensation to those who lose out as a result of the downgrade in the value of RPI." KS1世界播

投资公司AJ Bell的汤姆·塞尔比(Tom Selby)表示:“从2030年开始,信息是明确的:如果你受到这一事件的负面影响,那就是强硬。政府明确表示,不会向那些因RPI评级下调而蒙受损失的人提供任何形式的补偿。”KS1世界播


Official statisticians say RPI should be reformed earlier, irrespective of the effects. KS1世界播

官方统计学家表示,RPI应该更早改革,不管影响如何。KS1世界播


"We regret the government's decision that the change should not be made before 2030," said Sir David Norgrove, who chairs the UK Statistics Authority. KS1世界播

英国统计局(UK Statistics Authority)主席大卫·诺格罗夫爵士(Sir David Norgrove)表示:“我们对政府在2030年之前不应做出改变的决定感到遗憾。”KS1世界播


"It is UK Statistics Authority policy to address the shortcomings of the RPI in full at the earliest practical time. The change we propose can legally and practically be made by the Authority in February 2030. KS1世界播

“英国统计局的政策是尽快全面解决零售物价指数的不足之处。我们建议的改变可以在2030年2月在法律上和实际上由统计局做出。”KS1世界播


"We continue to urge the government and others to cease to use the RPI, a measure of inflation which the Government itself recognises is not fit for purpose." KS1世界播

“我们继续敦促政府和其他机构停止使用零售物价指数(RPI),这是一种政府自己认为不合适的通胀指标。”KS1世界播

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