首页
登录
职称英语
When you leave a job with a traditional pension, don’t assume you’ve lost th
When you leave a job with a traditional pension, don’t assume you’ve lost th
游客
2025-04-14
17
管理
问题
When you leave a job with a traditional pension, don’t assume you’ve lost the chance to collect it. You’re entitled to whatever benefit you’ve earned — and you might even be entitled to take it now. "A lot of people forget they have it, or they think that by waiting until they’re 65, they’ll have a bigger benefit," says Wayne Bogosian, president of the PFE Group, which provides corporate pre-retirement education.
Your former employers should send you a certificate that says how much your pension is worth. If it’s less than $ 5, 000, or if the company offers a lump-sum payout, it will generally close your account and cash you out. It may not seem like much, but $ 5, 000 invested over 20 years at eight percent interest is $23, 000. If your pension is worth more than $ 5, 000, or your company doesn’t offer the lump-sum option, find out how much money you’re eligible for at the plan’s normal retirement age, the earlier age at which you can collect the pension, the more severe penalty for collecting it early. You’ll probably still come out ahead by taking the money now and investing it.
What if you left a job years ago, and you’re realizing you may have unwittingly left behind a pension? Get help from the Pension Benefit Guaranty Corporation. It has an online search tool that has helped locate $ 47 million in lost benefits for more than 12, 000 workers.
If you have a traditional pension, retiring early costs more than you might expect. Most people assume you take a proportional cut for leaving before your plan’s normal retirement age. For example, you might think that if you need to accrue 30 years of service and you leave three years early, you’d get a pension 90 percent of the full amount.
But that’s not how it works. Instead, you take an actuarial reduction, determined by the employer but often around five percent a year, for each year you leave early. So retiring three years early could leave you with only 85 percent of the total amount.
When you retire early with a defined-contribution plan, the problem is you start spending investments on which you could be earning interest. If you retire when you’re 55, for example, and start using the traditional pension then, by age 65 you’ll have only about half of what you would have had if you’d kept working until 65. [br] Which of the following can be used as the subtitle for the last three paragraphs?
选项
A、Your Payout Is Not Guaranteed.
B、The Retirement Dilemma.
C、Leave Early, Lose Big.
D、Take the Pension with You.
答案
C
解析
段落主旨题。文章最后3段都在讨论提前退休会使退休金减少以及减少的原因。故答案为C。
转载请注明原文地址:https://tihaiku.com/zcyy/4037269.html
相关试题推荐
Blackshavetraditionallybeenpoorlyeducated—lookatthecrisisinurban
Whenyouleaveajobwithatraditionalpension,don’tassumeyou’velostth
Whenyouleaveajobwithatraditionalpension,don’tassumeyou’velostth
Whenyouleaveajobwithatraditionalpension,don’tassumeyou’velostth
Whenyouleaveajobwithatraditionalpension,don’tassumeyou’velostth
Ahundredyearsagoitwasassumedandscientifically"proved"byeconomists
Ahundredyearsagoitwasassumedandscientifically"proved"byeconomists
Traditionalfairytalesarebeingditchedbyparentsbecausetheyaretoo______fo
Letusassume,forthemoment,thatlaborisnotpreparedtoworkforalower
Letusassume,forthemoment,thatlaborisnotpreparedtoworkforalower
随机试题
Havingoperatedforover4decades,Escapehasdevelopedastrongreputation
Althoughfewwoulddenythatit’sbettertoberichthanpoor,forsomepeop
[originaltext]SomethingstrangehappenseveryyearfromAugust6to15ont
心理咨询与思想政治工作两者的目的都在于促进学生的健康成长。
非洲独立年是指哪一年?()A.1957年 B.1958年 C.1959年
中腹壁反射,反射中枢在A.胸髓11~12节 B.胸髓9~10节 C.颈髓7~
证券投资顾问执业行为准则包括()。 ①证券投资顾问不得为公司及其关联方的利益
产业增收是脱贫攻坚的主要途径和长久之策。以下举措不属于产业扶贫的是:A.种植特色
(2017年5月)绩效计划沟通的具体内容包括()。A.计划改进 B.目
借款人伪造良好的信用记录、掩盖不良的贷款用途违背了()。A.全流程贷款管理
最新回复
(
0
)