pestel分析:养老金制度

pestel分析:养老金制度

传统养老金制度是二十世纪出现的最普遍的养老金制度之一。这已被证明是一个非常有用和有效的养老金计划的雇主和雇员。但是,有人注意到,最近在美国、英国和其他国家的劳动力中,传统的养老金计划有所下降。在这种方案中,对退休保障的宝贵衡量是通过支付终身年金来支付给人们的。他们可以帮助吸引和留住那些可能长期效忠于雇主的人。这是因为人们在退休时将以传统养老金的形式得到大量的钱。为了确保同样的事情成功地发生,一个人不会频繁地换工作。因此,在传统的养老金计划中,与福利相关的现值在雇主职业生涯早期可能会以较慢的速度增长,并缓慢而稳定地加速。
传统养老金计划下降的原因:近年来,人们发现了传统养老金计划下降的大量原因。这包括供给侧因素和需求侧因素。需求变化:每当工人的性格发生变化时,他们的需求也可能发生变化。增加总体寿命风险:由于生活和卫生设施的改善,一个人的预期寿命有所增加。据经合组织估计,日本妇女的预期寿命增加了8.1岁。由于同样的原因,这些公司正在从传统的养老金中转移。表现不佳/市场波动:市场完全波动。在这种市场中总是存在风险。历史最低利率:较低的利率对养老金计划产生了严重影响。利率的下降进一步导致与负债有关的现值同时大幅度增加。

pestel分析:养老金制度

One of the most common pension schemes which had emerged in the twentieth century is the traditional pension scheme. It has proven to be a very useful and effective pension scheme for the employers and the employees. But, it has been observed that in the recent times in the labour force of USA, UK and other nations, there has been a decline in the traditional pension schemes. In this kind of scheme, the precious measurement of retirement security is paid to the people by paying annuity for life. They can help in attracting and retaining the people who may be committed to the employer for a long term. This is because the people will be getting the good amount of money in the form of the traditional pension at the time of retirement. To ensure that the same happens successfully, one doesn’t changes his or her job too often. Therefore, in traditional pension plans, the present value related to the benefits may actually grow at a slower rate in the early career of the employer and it accelerates slowly and steadily.
Factors responsible for the declination of traditional pension plan:A large number of reasons have been identified for the declination of the traditional pension plan in the recent times. This includes the supply side factors and the demand side factors. Change in Demand: Whenever there is a change in the characteristic of the workers, there may be a change in their demands. Increasing aggregate Longevity risk: As a result of the better life and health facilities, there has been an increase in the life expectancy of a person. According to the estimate by OECD, the life expectancy of women in Japan has increased by 8.1 years. Because of the same, the companies are shifting away from the traditional pensions. Underperforming/ Volatile market: The market is completely volatile. There is always a risk associated in this kind of market. Historic interest rate lows: The lower interest rates have had a severe impact on the pension plans. The decline in the rates has further led to the entailment of the concurrent and large increase in the present value which is related to the liabilities.

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