Over the past ten years global assets in DB plans have grown by just 2.9% a year, whereas those in defined-contribution plans have increased by 7.5%, according to a Towers Watson study.
据塔沃森的一项研究，过去十年，养老金固定收益计划的全球资产每年仅增长2.9%，而养老金固定缴款计划的全球资产每年增长了7.5%。
They would also have hybrid plans, with part of the traditional defined-benefit pension replaced by a defined-contribution plan of the sort common in the private sector.
他们同时采取复合计划，即把部分传统的确定给付养老金形式替换为私营部门常见的养老金固定缴款计划。
Public-sector pensions for new employees must become defined-contribution plans, as in the private sector.
对于公共部门的新员工来说，必须和私营部门的员工一样，实行固定养老金缴纳计划。
Offered within 401 (k) s and other defined-contribution retirement plans, these products aim to shield investors from market downdrafts and deliver modest returns.
这些产品包括在401 (k)计划和其他固定缴款退休计划中，意在帮助投资者防范市场下滑，提供较小规模的回报。
But the replacement of DB schemes with defined-contribution (DC) plans hurts employees.
但是作为替代方案的固定缴款养老金计划(DC)却损害雇员利益。
But the replacement of DB schemes with defined-contribution (DC) plans hurts employees.
但是作为替代方案的固定缴款养老金计划(DC)却损害雇员利益。
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