如何制作一份优秀的简历:养老金如何规划管理

03 5月 如何制作一份优秀的简历:养老金如何规划管理

如何制作一份优秀的简历:养老金如何规划管理

增加规管/行政负担:近年来,公司需要应付的规管/行政负担有所增加。可预测的寿命:最近,人们可预测的年龄发生了变化。由于有了更好的设施,人民的可预见的生活增加了。这使得这些公司放弃了传统的养老金计划。在需求方面,可被认为是造成传统养恤金下降的因素包括雇员平均任期的下降、雇员对已向他们承诺的计划的总体信心的下降以及计划目光过短浅的情况的增加。对于任何计划为退休储蓄的人来说,都有一些关键的风险。其中一个主要风险是预期寿命。每个人都认为自己会过得很好,但很多人死得比他们预期的要早。通胀是另一个风险。当前美元的价值一直在大幅贬值。此外,为退休所做的投资不一定能保证成功。
任何时候,只要有一笔糟糕的投资,它就不会产生任何会继续在经济中浮动的回报。另一个风险是意外支出。随着年龄的增长,出现了许多并发症,可能会对生活造成严重的挑战。医疗费用会花掉一大笔退休基金。人们发现,医疗费用的上涨导致了传统养老金计划的下降。由于同样的原因,人们转向了医疗保险,而一般不参加养老金计划。由于医疗费用的增加,雇主也降低了他赞助医疗福利计划的意愿。行政负担的增加是另一个关键风险。由于行政负担的增加,企业普遍在逃避传统的养老金计划。由于政府对企业制定了一系列困难的规定,传统的养老金计划很难管理。

如何制作一份优秀的简历:养老金如何规划管理

Increasing regulatory / administrative burden: In the recent times, there has been an increase in the regulatory/ administrative burdens which the companies need to cater. Predictable longevity: In the recent times, there is a change in the predictable age of the people. Because of the better facilities, the predictable life of the people has increased. This has moved the companies away from the traditional pension plans. On the demand side, the factors which may be considered to be responsible for the decline in traditional pension includes the decline in the average tenure of the employee, the decrease in the overall confidence which the employee have on the plans which has been promised to them and the increase in the over short-sightedness of the plans. There are a number of key risks to anyone planning to save for the purpose of retirement. One of the major risks is life expectancy. Every person assumes that he will be living a good life but many people die earlier than what they have expected. Inflation is the other risk. The value of the dollar in the present times has been decreasing by a large rate. Also, the investment which is done for the retirement may not always guarantee a success.
Whenever there is a poor investment, it will not be yielding any return which would keep on floating in the economy. Another risk is the unexpected expenses. With the age, there are a number of medical complications which may pose a serious challenge to the life. Medical expenses can end a good amount of the retirement fund. It has been found that the rise in the cost of the health treatments has been leading to the decline of traditional pension plan. Because of the same, the people have shifted towards the health insurance and are generally away from the pension plans. Because of the rise in health cost, the employer also diminishes his willingness to sponsor a health benefit plan. Increase in the administrative burden is another key risk. Because of the increase in the administrative burdens, the companies are generally running away from the traditional pension plans. As a set of difficult rules put up by the governments on the companies, it is difficult to manage the traditional pension scheme.