首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
President Bush has proposed adding optional personal accounts as one of the central elements of a major Social Security reform p
President Bush has proposed adding optional personal accounts as one of the central elements of a major Social Security reform p
admin
2014-06-02
42
问题
President Bush has proposed adding optional personal accounts as one of the central elements of a major Social Security reform proposal. Although many details remain to be worked out, the proposal would allow individuals who choose to do so to divert part of the money they currently pay in Social Security taxes into individual investment accounts. Individuals would have a choice of fund managers, and the return that they earn from those accounts would then partially determine the Social Security benefit they receive when they retire.
Individual accounts pose a number of important and complex design and implementation issues, including how to lower the cost of administering accounts so that they do not erode the value of pensions that individuals receive when they retire, how many and what kinds of fund choices should be offered, and how to engage workers in choosing funds.
In the late 1990s, Sweden added a mandatory individual accounts tier to its public pension system. This policy brief examines the Swedish experience and lessons it suggests for the United States about the design and implementation challenges of individual accounts.
Sweden has one of the oldest and most comprehensive public pension systems in the world. But by the 1980s, several problems with the system were becoming evident, including current funding deficits and a very large projected funding shortfall as Sweden’s population, which is among the oldest in the world, continued to age.
Between 1991 and 1998, Sweden adopted a new pension system built on three fundamental elements. A new "income pension" is intended to tie pension benefits more closely to contributions made over the entire course of an individual’s working life, while lowering the overall cost of the system; it is financed entirely by a 16 percent payroll tax. A "guarantee pension" provides minimum income support for workers with low lifetime earnings, It is financed entirely by general government revenues and is income-tested against other public pension income.
The third element is a "premium pension" financed by a 2.5 percent payroll tax. These funds are placed in an individual investment account. Individuals have a wide variety of fund choices. To lower administrative costs, and the administrative burden on employers, collection of premium pension contributions and fund choices are centrally administered by a new government agency, the Premium Pension Authority. Deposits into pension funds are made only once a year, after complete wage records for a calendar year are available from the state tax authorities. Employees choose up to five funds from a list of funds approved by the PPA. Swedes can change their fund allocations as often as they want without charge, but the system is not designed to facilitate "day trading"—switching funds often takes several days.
The new pension system’s planners recognized that many workers might not make an active pension fund choice. They created a Seventh Swedish National Pension Fund to offer a default fund, called the Premium Savings Fund, for those who do not choose a fund or simply prefer to have the government invest for them.
What can you learn about Bush’s proposal of adding optional personal accounts?
选项
A、People can transfer some money from their investment accounts to the Social Security taxes.
B、The return people earn from their accounts can decide their social benefit decisively.
C、People can spent more on investment and meanwhile receive more benefit in the future.
D、These accounts will determine how much people can receive in their lives.
答案
C
解析
从第一段可得知,根据布什的提案,人们可以从他们当前支付的社会安全税中,将一部分钱转移到个人投资账户中,答案A将对象弄反了:第一段最后一句讲到,这些帐户能部分地(partially)决定人们退休后拿的社会安全福利。故答案B所用的词“决定性地”(decisively)同原文相悖;答案D错在时间限定之上.这些账户将会决定人们退休后的福利多少,而不是他们一生的福利多少答案C概括性地描述了这一提议的好处,即将社会福利税收和个人投资有机结合了起来,投资得多,退休后领取的福利金就越多。
转载请注明原文地址:https://kaotiyun.com/show/hrpO777K
0
专业英语八级
相关试题推荐
GymCrazeThegymcrazebecomesanessentialpartofChinesemiddleclasslifestylenow.However,whoarelikelytobegym-
MedicineinMedievalEnglandThemedicalpracticesinMedievalEngland:Basedupon(1)______,ancienttexts,mythorthe
WhichofthefollowingisNOTtrueofIreland’sclimate?
______proposedTGgrammar.
这时,潮水越来越大了,天边一根银色的线条,一会儿变成黑色,一会儿又变成白色,渐渐地排山倒海般由远向近而来。由于夜静,这潮水确实是比白天的大,真如千军万马,两个人面对面讲话都听不到。不知道由于心理作用还是事实如此:夜潮的潮头也高,排列也整齐;潮水到镇海宝塔下
FriendshipandTradeChina’smainlifelinetoNorthKorea,anarrowroad-and-railbridgeacrosstheYaluriver,doesnotsug
Itishardformodernpeopletoimaginethelifeonehundredyearsago.Notelevision,noplastic,noATMs,noDVDs.Illnessesl
AdvertisingI.Thedefinitionofadvertising—【B1】______butencouragingpresentationofgoodsandservices【B1】______II.Theim
AnumberofyearsagoIsatdownonastonebenchoutsidetheTeatroAvenidainMaputo,Mozambique,whenIworkedasan【M1】_____
TheprincipalreligionofCanadais______.
随机试题
信息产生效益的必然条件是信息的()
关于鼻咽部纤维血管瘤的表述不正确的是:
关于尖牙,叙述正确的是
缺失,唇侧牙槽嵴丰满,突度较大,在设计观测线时,模型倾斜应
小吴大学本科刚毕业,若毕业时找工作,可以找到一个年薪8万元的工作,若继续攻读硕士学位,预计2年后可找到年薪10万元的工作,研究生期间每年学费1万元,假设毕业后可工作30年,如果考虑货币的时间价值,小吴攻读高学历的年报酬率为( )。
基金招募说明书包括()
阅读某教师教学《木兰诗》一课时的教学反思(节选),按照要求答题。这堂课五个板块的设计都是围绕主人公花木兰设置的,而且循序渐进,层层深入,体现了学生认知的梯度规律。“读木兰”是初读课文,“译木兰”是理解课文主要内容,“评木兰”是在深入理解课文的基础
我们到一个地方去办事,会事先在头脑中想出可能到达的道路,经过分析与比较,最后选择一条短而方便的路。这样的思维是()。(2015.陕西)
第一个问题是有关比较标的的,即转基因食品和非转基因食品之间进行比较时,真正进行比较的是什么。现行的比较仅仅是衡量食品中一些主要和次要的营养物质、已知毒素和其他一些破坏营养物质的成分等的含量。但是,目前并没有一个标准的清单列出需要衡量的物质和不需要衡量的物质
IPSec用于增强IP网络的安全性,下面的说法中不正确的是__________。
最新回复
(
0
)