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
57
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
IfAmericahadanationalpoetinthe20thcentury,itiscertainly______.
Chinawitnessesgreatsuccessineconomicaldevelopmentafteritsadoptionofthepolicyofreformandopennesstotheoutsidew
WhichofthefollowingstatementsisINCORRECT?
A、LaurenenjoysdoinghisjobasacounselorB、LaurenisdeeplyworriedaboutthesituationofgamblingC、gamblingasasocialp
Shoulditbeallegedindefenceofnationalprejudice,thatitisthenaturalandnecessarygrowthoflovetoourcountry,andt
Themainideaofthesebusiness-schoolacademicsisappealing.Inaworldwherecompaniesmustadapttonewtechnologiesandsou
AnumberofyearsagoIsatdownonastonebenchoutsidetheTeatroAvenidainMaputo,Mozambique,whenIworkedasan【M1】_____
随机试题
根据《劳动法》规定,因特殊原因需要延长工作时间的,在保障劳动者身体健康的条件下每日不得超过()
患者女,35岁,贫血。外周血检查结果:红细胞3.50×1012/L,网织红细胞百分率15%。如采用Miller窥盘计数网织红细胞时。计数10个视野小方格中的红细胞总数为120个,则计数到大方格中的网织红细胞总数应为
A.清洗阴道、尿道的液体制剂B.用于咽喉、口腔清洗的液体制剂C.专供涂抹、敷于皮肤的外用液体制剂D.专供揉搽皮肤表面用的液体制剂E.用纱布、棉花蘸取后涂搽皮肤或口、喉部黏膜的液体制剂涂剂
根据我国现行规定,作为计算投资项目资本金基数的总投资是指()。
附息债券是在债券合约中明确规定,在债券存续期内,不定期对持有人支付利息的债券。( )
政府实施管理的主要行业应该是()
提出了“泛智主义”教育思想,主张“把一切事物教给一切人”的是()
按照夏朝法律的规定,犯()这三种罪,都要处死。
二进制数1000010转换成十进制数是
ItooktoherthemomentImether.Theunderlinedpartmeans________.
最新回复
(
0
)