英国将把终身退休收入设为私人养老金默认选项 菲比·西尔斯 伦敦，11月3日 —— 周二公布的计划显示，英国将把终身保障收入设为私营部门工人的默认退休选项，旨在让数百万人免于独自管理自己的养老金账户。
Britain to make lifetime retirement income the default for private pensions By Phoebe Seers LONDON, Nov 3 - Britain will make a guaranteed income for life the default retirement option for private sector workers, under plans unveiled on Tuesday designed to spare millions from having to manage their pension pots on their own.
政府表示，约1700万缴纳确定缴费型养老金计划的工人将被引导进入终身退休收入选项，除非他们另行选择，这将为他们提供部分传统确定给付型养老金的福利，而这类养老金在过去三十年里已基本从私营部门消失。
The government said around 17 million workers saving into defined contribution pension schemes would be guided into a lifelong retirement income option unless they choose otherwise, offering them some of the benefits of traditional defined benefit pensions that have largely disappeared from the private sector over the past three decades.
确定给付型计划支付终身固定收入，而确定缴费型计划只是让储户在退休时拥有一笔资金。
Defined benefit schemes pay out a set income for life, while defined contribution schemes simply leave savers with a pot of money at retirement.
政府称，在上一财年，46%的首次养老金账户提取涉及将全部余额一次性取出，并补充说，价值低于3万英镑的账户被全额提取的可能性显著更大。
In the last financial year, 46% of first-time pension pot withdrawals involved the entire balance being cashed out, the government said, adding that pots worth less than £30,000 were significantly more likely to be fully withdrawn.
行业团体还表示，关于养老金税收变动的猜测以及政府决定从2027年起将未使用的养老金账户纳入遗产税范围，促使更多储户提取退休资金。
Industry groups have also said that speculation over pension tax changes and the government's decision to bring unused pension pots into inheritance tax from 2027 prompted more savers to access retirement funds.
这一举措是工党全面改革英国养老金体系的最新一步，自2024年上台以来，工党一直致力于将养老金计划整合为更大规模的基金，并增加对生产性资产的投资。
The move is the latest step in Labour's wider overhaul of Britain's pensions system which since taking office in 2024 has focused on consolidating pension schemes into larger funds and increasing investment in productive assets.
政府表示，虽然自动加入机制让数百万人参与了职业养老金，但退休人员在如何让资金维持终身方面仍主要靠自己决定。新计划将减少储户自行做出复杂财务决策的必要性。
While automatic enrolment has brought millions into workplace pensions, the government said retirees are still largely left on their own to decide how to make their money last. The new plans would reduce the need for savers to make complex financial decisions by themselves.
养老金咨询公司 Hymans Robertson 的 DC 咨询主管 Kathryn Fleming 欢迎这些计划，但表示其成败将取决于它们在实践中是否能改善储户的结果，并补充说，监管机构应避免建立一个限制退休市场未来创新的框架。关于这些提议的咨询将持续开放至 12 月 22 日。
Kathryn Fleming, head of DC consulting at Hymans Robetson, a pensions consultancy, welcomed the plans but said their success would depend on whether they improved outcomes for savers in practice, adding that regulators should avoid creating a framework that limits future innovation in the retirement market. A consultation on the proposals is open until December 22.