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歌曲专辑：BEC高级

演唱歌手：英语听力

退休金危机(2/3)歌词

[by:而你却消失在星光的夜]
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[by:九九Lrc歌词网～www.99Lrc.net]
[00:00.83]I'm very lucky to have worked in the civil service, which has its own pension scheme.
[00:06.37]My salary has never been as good as it might have been in the private sector,
[00:10.64]but you accept that when you work for a public service.
[00:13.98]What you do get is job security, longer holidays, good medical insurance and an excellent pension.
[00:21.68]My pension is calculated as a percentage of my final salary. That's very rare in the private sector.
[00:28.42]Usually private companies take your average salary over a period of, say, 20 years.
[00:34.96]So all in all I expect to be very comfortable when I retire,
[00:39.53]even if I haven't had that much disposable income during my working life.
[00:44.41]People think that as a company director, I'm bound to have all sorts of privileged pension benefits
[00:50.28]and company schemes going on, some special executive plan.
[00:54.85]But it's not the case. We have a company scheme for all our employees but I don't actually participate in it.
[01:02.05]Instead, I've put most of my money in a long-term savings account,
[01:06.94]that gives a good rate of return if you keep it in for long enough.
[01:10.80]It seems bizarre I know, but I make far more than I need to spend and I guess I'm naturally cautious with my money.
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