what is "corporate pension plan"?
glossary FAQ: glossary.
Micaela B. From United Kingdom
16 December, 2009
A formal arrangement between a company and its employees - or the employees' union - that provides funding for the employees' retirement. This pool of funds can be financed in several ways and will eventually be used to make periodic payments to retired employees. In most cases, both employer and employees make regular contributions to the plan. In the past, employers were wholly responsible for contributing to the plan based on an employee's work, length of employment and position held.
Two of the most common corporate pension plans are the defined-benefit and defined-contribution plans. With defined-benefit plans, employee retirement benefits are calculated according to a formula, usually based on duration of employment and salary history, and it is the employer's responsibility to come up with the necessary cash to fund the plan. Defined-contribution plans, on the other hand, offer no guarantee on the amount of benefit that an employee will receive at retirement; the payout from this plan rests solely on the success of the investment plan.
Many corporate pension plans promise to fund the living requirements of retired employees until they die. Not surprisingly, financing them can put a strain on corporations. As a result, many companies are changing their pension plans from defined benefit to defined contribution. Visit Saxo Bank
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- Background:
- Established on 1978, HY Markets is works out of, and is an as yet rather new ECN foreign currency exchange facilitator. After a simple start, and during recent past, HY Markets has turned into one of the growing platforms in the world.
- Some Specs:
- To be honest, this forex's not really about innovating, but instead, it incorporates the more proven intricacies of it's predecessors. It's more a question of personal taste, it is not an issue right or wrong. HY Markets sports a customer support line and 24/7 service. If you believe that less is more, best keep looking. This one's local technology is pretty slow and is dispersidly designed, but most important though, is the consistently reliable server information transfer. HY Markets provides educational courses. So this platform's a great option for a beginner. By the way, whether you prefer Chinese, Japanese, Arabic or English, you may run this multilingual internet foreign exchange trading program clearly and with great ease.
- Ups:
- - Good for Beginners - Comfortable Graphics - 24 Hour Service - A Customer Support Line
- Downs:
- - A Narrow Variability of Currencies - Download - Confusing Options
- Bottom Line:
- A mediocre yet reliable choice.
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