Once upon a time, big US companies provided their longtime employees with clearly defined pension benefits that guaranteed them enough to live on for the rest of their lives. That fairy tale ending disappeared for many Americans in the 1980s, when most new employees started to be shunted into a new retirement option. Known as defined contribution plans, or 401k schemes, they put the onus on employees rather than leaving companies on the hook for future payments. Workers must set aside money to get an employer match and then manage their own funds through volatile markets.
曾几何时，美国大公司为其长期雇员提供明确的固定收益养老金福利，保证他们有足够的钱度过余生。
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