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1·This reflects the fact that most Britons use their pension pot to buy an annuity.

这表明大多数英国人用他们的养老金来购买年金。

2·Struggling asset markets mean they build up a smaller pension pot; low bond yields mean the annuity income from that pot is lower.

糟糕的资产市场意味着他们建立的养老金规模较小，债券收益较低意味着该规模的养老金保险收入更低。

3·The Bank of Spain recently issued a warning about a dwindling pension pot, suggesting it was time to push the retirement age above 65.

西班牙央行近来发布了关于养老金罐逐步减少的警告，提议说是时候将退休年龄推到65岁以后了。

4·The danger is that employees will underestimate the size of the pension pot they need and overestimate the investment returns they will achieve.

危险在于雇员们会低估他们需要的养老金数目，而且高估他们将会获得的投资收益。

5·If workers are not required to use all of their pension pot to buy an annuity, it seems sensible to ensure they make provision for their basic needs.

如果工人们不被要求用所有的退休存款去购买年金，那么确保他们为生活基本需求预作安排的行为就是明智的。

6·They can wait until they reach the age of 70 and six months before they even have to turn their pension pot into income; then they get it by selling part of the fund each year.

他们可能直到70岁半之前，都没有变现养老金；之后他们可以通过每年出售部分基金获得养老金。

7·If public-sector workers decided to transfer their money into a private pension pot, to take advantage of the new freedom, the Treasury would have to cough up the cash immediately;

如果公共部门的工人们享受这个新的自由，决定将他们的资金转移至一个私人的养老金存储地方，那么财政部就不得不马上返还资金；

8·At the moment, the top 10% of earners in this country get twice as much tax 7 subsidy from all of the rest of you when they make contributions to their 8 pension pot than everybody else.

目前，当处于本国收入前10%的人群为他们的养老金添砖加瓦时，他们从其他人身上所获得的税务补贴比那当中任何人的都要多上一倍。

9·Usually advice has focused on the best “withdrawal rate”, the proportion of the pension pot that can be taken as annual income while minimising the risk that the retiree outlives his or her savings.

通常建议人们采用最佳“提取率”法，就是每年提取一定比例的退休金做为年收入，用以防止过早地花光退休金而出现生活困顿。