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bianjianbao · 2024年07月31日

DB plan 中employee也会contribute吗？DC plan 中到底谁是primary contributor

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NO.PZ202301040900001202

问题如下：

(2) Contrast the return and risk objectives of the R-Cubed pension and defined contribution plans.

选项：

解释：

Return Objective

The return objective of the pension plan is lower than that of the defined contribution plan,
which has no well-defined benefit target. While the return of the defined contribution plan may be oriented more towards growth media in pursuit of higher alpha strategies, the pension plan has ongoing and increasing payout targets to meet. The pension plan cannot focus exclusively on the production of income. It will need to invest in growth-oriented media to preserve the purchasing power of its contractual benefits as well as to amortize its underfunded status over time.

Risk Objective

The defined contribution plan can undertake greater risk than the pension plan because its workforce is younger, benefits commence at a later age, there is no predetermined benefit target to meet, and the benefits are not indexed to inflation. The asset base of the defined contribution plan, unlike that of the pension, is expected to increase, allowing the plan to invest in riskier investments.

DB plan 中employee也会contribute吗？DC plan 中到底谁是primary contributor 

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Lucky_品职助教 · 2024年07月31日

嗨，爱思考的PZer你好：


同学你好：


在 DB plan 中，通常 employee 一般不会进contribute，而是由雇主承担提供DB的责任和成本。


在 DC plan 中，employee 是 primary contributor，雇主可能会提供一定程度的匹配缴费，但员工的个人缴费是积累养老金的主要来源。

例如，在一个常见的 401(k) 计划（一种 DC 计划）中，员工会从自己的工资中按一定比例定期向计划中缴费，而雇主可能会按照员工缴费的一定比例进行匹配缴费，比如员工每缴费 1 美元，雇主匹配 0.5 美元。但总体来说，员工的自主缴费是积累资金的主要部分。

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