退休年齡到了，退還是不退?
7月18日公布的官方數(shù)字顯示，在英國(guó)，超過法定領(lǐng)取養(yǎng)老金年齡但仍在工作的人口比例，已達(dá)到創(chuàng)紀(jì)錄水平。
The proportion of people working past the state pension age in UK is running at record levels, according to official figures published on the 18th July.
英國(guó)國(guó)家統(tǒng)計(jì)局(Office of National Statistics)的數(shù)據(jù)顯示，在截至今年5月底的12個(gè)月中，英國(guó)就業(yè)人數(shù)增加了18萬(wàn)，達(dá)到2907萬(wàn)，在新增就業(yè)人口中，65歲以上男性和60歲以上女性的比例僅略低于50%。
Men above 65 and women above 60 accounted for just under half of the 180,000 rise in employment to 29.07m during the 12 months to the end of May according to the Office for National Statistics in UK.
自上世紀(jì)90年代中期以來(lái)，超過領(lǐng)取養(yǎng)老金年齡的就業(yè)人口比例已上升逾3個(gè)百分點(diǎn)，達(dá)到11%，因?yàn)槿藗冇訐?dān)心，壽命在不斷延長(zhǎng)，而私營(yíng)行業(yè)養(yǎng)老金供應(yīng)情況卻在不斷惡化。
The proportion of people above pension age with jobs has risen by more than 3 percentage points to 11 per cent since the mid 1990s, as concerns over rising longevity and worsening private sector pension provision have mounted.
自1992年以來(lái)，超過領(lǐng)取養(yǎng)老金年齡的在職人口數(shù)量，已增加40萬(wàn)人，達(dá)到120萬(wàn)，其中三分之二為女性。
Since 1992, the number of people above pensionable age in work has risen by 400,000 to 1.2m - two thirds of them women.
年齡與就業(yè)網(wǎng)絡(luò)(The Age and Employment Network)首席執(zhí)行官克里斯o鮑爾(Chris Ball)表示："我們的感覺是，往往出于經(jīng)濟(jì)需要，許多人都在接受低于他們資歷和能力的工作。這是對(duì)重要資源的浪費(fèi)，而且是在公然貶低長(zhǎng)者。"
Chris Ball, chief executive of The Age and Employment Network, said: "Our impression is that many people are accepting jobs below their qualifications and capacities, often out of economic necessity. This remains a waste of important resources and is frankly demeaning to older people.
"許多人在超過法定退休年齡后仍繼續(xù)工作，因?yàn)閬?lái)自養(yǎng)老金界定供款計(jì)劃(defined contribution scheme)的收入有所下降。另外，由于界定利益計(jì)劃(defined benefit scheme)遇到困難，在臨退休前提出自愿提前退休以獲得'豐厚遣散費(fèi)'(golden handshake)的雇員減少了。"
"Many stay in work beyond state retirement age because of the decline in incomes from defined contributions pension schemes. Also, with defined benefits schemes hitting difficulty, fewer employers are offering voluntary early retirement as a 'golden handshake' leading up to retirement."
然而，經(jīng)濟(jì)學(xué)家表示，老齡和移民工人人數(shù)的增加，幫助填補(bǔ)了職位空缺，并抑制了緊張勞動(dòng)力市場(chǎng)上薪金的上漲。
Increased availability of older people and migrant workers, however, has helped fill vacancies and restrain inflationary pay rises in a tight labour market, say economists.
在截至5月底的3個(gè)月中，扣除獎(jiǎng)金的平均年收入增幅（被視為衡量薪資上漲的指標(biāo)）下降了0.1個(gè)百分點(diǎn)，至3.5%。引人注目的收入增幅下降更快，達(dá)到0.6個(gè)百分點(diǎn)，也為3.5%。
Average annual earnings growth excluding bonuses - regarded as the best measure of pay inflation - dipped by 0.1 of a percentage point to 3.5 per cent during the three months to the end of May. The headline earnings figure fell even faster by 0.6 of a percentage point, also to 3.5 per cent.
匯豐(HSBC)英國(guó)經(jīng)濟(jì)學(xué)家卡倫o沃德(Karen Ward)表示，可用勞動(dòng)力的增長(zhǎng)"正是（英國(guó)央行(Bank of England)）行長(zhǎng)所要求的"。她將當(dāng)前的趨勢(shì)描述為"金發(fā)勞動(dòng)力市場(chǎng)"(Goldilocks labour market)--一切都"剛剛好"，年長(zhǎng)者和移民數(shù)量的增加滿足了對(duì)工人需求的增長(zhǎng)。
Karen Ward, UK economist at HSBC, said the rise in labour availability was "just what the Governor [of the Bank of England] ordered". She described current trends as a "Goldilocks labour market" where everything was "just right" with rising demand for workers being met by increasing numbers of older people and migrants.
年齡問題雇主論壇(The Employers Forum on Age)首席執(zhí)行官薩姆o默瑟(Sam Mercer)表示，雇主愿意雇用年長(zhǎng)的員工，特別是在去年10月引入新的年齡歧視法之后更是如此，這反映了人們態(tài)度的可喜轉(zhuǎn)變。
Sam Mercer, chief executive of The Employers Forum on Age, said willingness by employers to take on older workers, particularly following the introduction of new age discrimination laws last October, reflected a welcome change in attitudes.
她表示："年齡問題雇主論壇的成員發(fā)現(xiàn)，許多人即使過了可以領(lǐng)取養(yǎng)老金的年紀(jì)，但如果可以選擇，他們確實(shí)會(huì)選擇繼續(xù)工作……隨著壽命的延長(zhǎng)，人們意識(shí)到他們負(fù)擔(dān)不起30年的退休生活。"
She said: "EFA members have found that many people who are given the choice do choose to remain in work even after they are eligible for their pension?.?.?.? as people live longer there is a realisation that they can't afford a 30-year retirement."
7月18日公布的官方數(shù)字顯示，在英國(guó)，超過法定領(lǐng)取養(yǎng)老金年齡但仍在工作的人口比例，已達(dá)到創(chuàng)紀(jì)錄水平。
The proportion of people working past the state pension age in UK is running at record levels, according to official figures published on the 18th July.
英國(guó)國(guó)家統(tǒng)計(jì)局(Office of National Statistics)的數(shù)據(jù)顯示，在截至今年5月底的12個(gè)月中，英國(guó)就業(yè)人數(shù)增加了18萬(wàn)，達(dá)到2907萬(wàn)，在新增就業(yè)人口中，65歲以上男性和60歲以上女性的比例僅略低于50%。
Men above 65 and women above 60 accounted for just under half of the 180,000 rise in employment to 29.07m during the 12 months to the end of May according to the Office for National Statistics in UK.
自上世紀(jì)90年代中期以來(lái)，超過領(lǐng)取養(yǎng)老金年齡的就業(yè)人口比例已上升逾3個(gè)百分點(diǎn)，達(dá)到11%，因?yàn)槿藗冇訐?dān)心，壽命在不斷延長(zhǎng)，而私營(yíng)行業(yè)養(yǎng)老金供應(yīng)情況卻在不斷惡化。
The proportion of people above pension age with jobs has risen by more than 3 percentage points to 11 per cent since the mid 1990s, as concerns over rising longevity and worsening private sector pension provision have mounted.
自1992年以來(lái)，超過領(lǐng)取養(yǎng)老金年齡的在職人口數(shù)量，已增加40萬(wàn)人，達(dá)到120萬(wàn)，其中三分之二為女性。
Since 1992, the number of people above pensionable age in work has risen by 400,000 to 1.2m - two thirds of them women.
年齡與就業(yè)網(wǎng)絡(luò)(The Age and Employment Network)首席執(zhí)行官克里斯o鮑爾(Chris Ball)表示："我們的感覺是，往往出于經(jīng)濟(jì)需要，許多人都在接受低于他們資歷和能力的工作。這是對(duì)重要資源的浪費(fèi)，而且是在公然貶低長(zhǎng)者。"
Chris Ball, chief executive of The Age and Employment Network, said: "Our impression is that many people are accepting jobs below their qualifications and capacities, often out of economic necessity. This remains a waste of important resources and is frankly demeaning to older people.
"許多人在超過法定退休年齡后仍繼續(xù)工作，因?yàn)閬?lái)自養(yǎng)老金界定供款計(jì)劃(defined contribution scheme)的收入有所下降。另外，由于界定利益計(jì)劃(defined benefit scheme)遇到困難，在臨退休前提出自愿提前退休以獲得'豐厚遣散費(fèi)'(golden handshake)的雇員減少了。"
"Many stay in work beyond state retirement age because of the decline in incomes from defined contributions pension schemes. Also, with defined benefits schemes hitting difficulty, fewer employers are offering voluntary early retirement as a 'golden handshake' leading up to retirement."
然而，經(jīng)濟(jì)學(xué)家表示，老齡和移民工人人數(shù)的增加，幫助填補(bǔ)了職位空缺，并抑制了緊張勞動(dòng)力市場(chǎng)上薪金的上漲。
Increased availability of older people and migrant workers, however, has helped fill vacancies and restrain inflationary pay rises in a tight labour market, say economists.
在截至5月底的3個(gè)月中，扣除獎(jiǎng)金的平均年收入增幅（被視為衡量薪資上漲的指標(biāo)）下降了0.1個(gè)百分點(diǎn)，至3.5%。引人注目的收入增幅下降更快，達(dá)到0.6個(gè)百分點(diǎn)，也為3.5%。
Average annual earnings growth excluding bonuses - regarded as the best measure of pay inflation - dipped by 0.1 of a percentage point to 3.5 per cent during the three months to the end of May. The headline earnings figure fell even faster by 0.6 of a percentage point, also to 3.5 per cent.
匯豐(HSBC)英國(guó)經(jīng)濟(jì)學(xué)家卡倫o沃德(Karen Ward)表示，可用勞動(dòng)力的增長(zhǎng)"正是（英國(guó)央行(Bank of England)）行長(zhǎng)所要求的"。她將當(dāng)前的趨勢(shì)描述為"金發(fā)勞動(dòng)力市場(chǎng)"(Goldilocks labour market)--一切都"剛剛好"，年長(zhǎng)者和移民數(shù)量的增加滿足了對(duì)工人需求的增長(zhǎng)。
Karen Ward, UK economist at HSBC, said the rise in labour availability was "just what the Governor [of the Bank of England] ordered". She described current trends as a "Goldilocks labour market" where everything was "just right" with rising demand for workers being met by increasing numbers of older people and migrants.
年齡問題雇主論壇(The Employers Forum on Age)首席執(zhí)行官薩姆o默瑟(Sam Mercer)表示，雇主愿意雇用年長(zhǎng)的員工，特別是在去年10月引入新的年齡歧視法之后更是如此，這反映了人們態(tài)度的可喜轉(zhuǎn)變。
Sam Mercer, chief executive of The Employers Forum on Age, said willingness by employers to take on older workers, particularly following the introduction of new age discrimination laws last October, reflected a welcome change in attitudes.
她表示："年齡問題雇主論壇的成員發(fā)現(xiàn)，許多人即使過了可以領(lǐng)取養(yǎng)老金的年紀(jì)，但如果可以選擇，他們確實(shí)會(huì)選擇繼續(xù)工作……隨著壽命的延長(zhǎng)，人們意識(shí)到他們負(fù)擔(dān)不起30年的退休生活。"
She said: "EFA members have found that many people who are given the choice do choose to remain in work even after they are eligible for their pension?.?.?.? as people live longer there is a realisation that they can't afford a 30-year retirement."