retirement plan
retirement plan — 名詞
1. a way of regularly putting money aside while you are working, often with contrib
退休金制度
為退休生活定期存錢的機制
a way of regularly putting money aside while you are working, often with contributions from your employer, so that you have income to live on after you stop working.
Mei-Lin's employer offers a retirement plan that adds fifty cents for every dollar she saves.
Mei-Lin 的雇主提供退休金制度，每當她存一塊錢，公司就加碼五毛錢。
employer matching contribution pattern
Starting a retirement plan early in your career gives your savings more time to grow.
在職業生涯早期開始參與退休金制度，能讓存款有更多時間增值。
Without a retirement plan, many older adults struggle to cover their medical bills and rent.
如果沒有退休金制度，許多老年人連醫藥費和房租都難以負擔。
The company retirement plan provides a monthly pension to workers who retire at sixty-five.
這家公司的退休金制度為六十五歲退休的員工提供每月退休金。
Kwame joined the retirement plan as soon as he became eligible at his new job.
Kwame 一到新公司符合資格，就加入了退休金制度。
- pension plan
specifically refers to an employer-funded plan that guarantees a set monthly payment after retirement, while 'retirement plan' is a broader term covering both pension plans and individual savings accounts.
- superannuation
used mainly in British, Australian, and New Zealand English; refers to the same concept of compulsory or workplace retirement savings.
- retirement scheme
slightly more formal; often used for government or large employer programs rather than individual accounts.
用法筆記
Often used with an employer name or modifier: 'company retirement plan', 'government retirement plan'.
常見錯誤
2. a particular investment account or savings product, such as an IRA or 401(k), th
退休理財方案
特定的退休儲蓄投資帳戶
a particular investment account or savings product, such as an IRA or 401(k), that you set up and manage to provide money for your retirement.
Diego rolled his old retirement plan into a new account when he changed jobs.
Diego 換工作時，把舊的退休理財方案轉入了一個新帳戶。
verb collocation: roll ~ into [new account]
The financial adviser helped Noa compare the fees on two different retirement plans.
理財顧問協助 Noa 比較兩種不同退休理財方案的費用。
You can put money into this retirement plan each year without paying tax on it.
你可以把錢存入這個退休理財方案，每年不用為這筆錢繳稅。
Haruki withdrew money from his retirement plan early and paid a ten percent penalty.
Haruki 提早從退休理財方案中提領資金，結果被罰了百分之十的違約金。
Sofia chose a retirement plan that invests mostly in low-risk government bonds.
Sofia 選擇了一個主要投資低風險政府債券的退休理財方案。
用法筆記
In American English, this sense commonly refers to specific named products such as a 401(k), IRA (Individual Retirement Account), or Roth IRA. Distinguish from sense 1, which describes the general idea of saving for retirement rather than a named financial product.