首页
登录
职称英语
President Bush has proposed adding optional personal accounts as one of the c
President Bush has proposed adding optional personal accounts as one of the c
游客
2023-12-18
32
管理
问题
President Bush has proposed adding optional personal accounts as one of the central elements of a major Social Security reform proposal. Although many details remain to be worked out, the proposal would allow individuals who choose to do so to divert part of the money they currently pay in Social Security taxes into individual investment accounts. Individuals would have a choice of fund managers, and the return that they earn from those accounts would then partially determine the Social Security benefit they receive when they retire.
Individual accounts pose a number of important and complex design and implementation issues, including how to lower the cost of administering accounts so that they do not erode the value of pensions that individuals receive when they retire, how many and what kinds of fund choices should be offered, and how to engage workers in choosing funds.
In the late 1990s, Sweden added a mandatory individual accounts tier to its public pension system. This p01icy brief examines the Swedish experience and lessons it suggests for the United States about the design and implementation challenges of individual accounts.
Sweden has one of the oldest and most comprehensive public pension systems in the world. But by the 1980s, several problems with the system were becoming evident, including current funding deficits and a very large projected funding shortfall as Sweden’s population, which is among the oldest in the world, continued to age.
Between 1991 and 1998, Sweden adopted a new pension system built on three fundamental elements. A new "income pension" is intended to tie pension benefits more closely to contributions made over the entire course of an individual’ s working life, while lowering the overall cost of the system; it is financed entirely by a 16 percent payroll tax. A "guarantee pension" provides minimum income support for workers with low lifetime earnings. It is financed entirely by general government revenues and is income-tested against other public pension income.
The third element is a "premium pension" financed by a 2.5 percent payroll tax. These funds are placed in an individual investment account. Individuals have a wide variety of fund choices. To lower administrative costs; and the administrative burden on employers, collection of premium pension contributions and fund choices are centrally administered by a new government agency, the Premium Pension Authority. Deposits into pension funds are made only once a year, after complete wage records for a calendar year are available from the state tax authorities. Employees choose up to five funds from a list of funds approved by the PPA. Swedes can change their fund allocations as often as they want without charge, but the system is not designed to facilitate "day trading"—switching funds often takes several days.
The new pension system’s planners recognized that many workers might not make an active pension fund choice. They created a Seventh Swedish National Pension Fund to offer a default fund, called the Premium Savings Fund, for those who do not choose a fund or simply prefer to have the government invest for them. [br] The Premium Pension Authority______
选项
A、provides several funds for employees to choose
B、is a non-governmental agency
C、pays the pension for people
D、centrally administers premium pension contributions and fund choices
答案
D
解析
倒数第二段讲到PPA批准了一些基金,雇主可以从中选取五种,而非雇员,所以答案A错误: PPA是一个新成立的政府机构,而不是非政府性质的,所以B错误;PPA主要是为人们提供一种养老金的管理途径,并不负责支付养老金,所以不能选C,答案D可从倒数第二段中找到。
转载请注明原文地址:https://tihaiku.com/zcyy/3285197.html
相关试题推荐
U.S.presidentsnormallyservea(n)______term.A、two-yearB、four-yearC、six-yea
WhenformerPresidentRonaldReaganfellandbrokehishipattheageof89,
【B1】[br]【B3】impersonal→personal语义衔接错误。前一句解释了理性的概念:消费者根据一些客观标准,如大小,重量,价格等等选择商品。
WhenSecretaryofStateCondoleezzaRicestoodbesideAfghanPresidentHamid
WhatcanyoulearnaboutBush’sproposalofaddingoptionalpersonalaccounts?[
PresidentBushhasproposedaddingoptionalpersonalaccountsasoneofthe
WhowrotetheDeclarationofIndependenceandlaterbecametheU.S.President?A、
Thedigitalrevolutioninconsumerelectronics,includingpersonalcomputerg
Thedigitalrevolutioninconsumerelectronics,includingpersonalcomputerg
______USsoldiershavebeenkilledinIraqsincePresidentBushdeclaredthatm
随机试题
Menwhoexerciseoftenarelesslikelytodiefromcancerthanthosewho【C1】
Itseemsthattheonlytimeathomedadsattracteyesisthattheyarecriticize
AvoidPlagiarism1.论文抄袭(plagiarism)现象频频出现2.由此带来的问题3.如何杜绝这种状况Plagiarismhas
试回答反光膜的色度性能测试问题。(2)采用《标准照明体和几何条件》(GB/T39
下列各项中不属于资产负债表宾栏中的机构部门是()。A.非金融企业部门 B.金融
免疫制剂应用时应注意的问题不包括A.冷链系统管理 B.预防接种记录 C.器械
每个基金单位享有的分配权相同。()
案例一(2): 求助者:谢谢您!那我跟您说说我的情况吧。 心理咨询师:好的。
根据现行规定,报关企业向海关注册登记关,必须先获得注册登记许可。申请人向所在地直
按照国际惯例,承包商可索赔的材料费包括()。A.由于承包商管理不善,造成材料损
最新回复
(
0
)