A．guarantees B．pension C．containing D．financial E．comfortably
F．protecting G．delicately H．a(chǎn)lternative I．measure J．funds K．generate
Pension bonds（債券）and a novel idea for providing retirement income
When people stop working，they need a retirement income．Some are lucky enough to have an employer-provided（1）pensionpension linked to their salary．Everyone else faces a difficult choice．Some keep their pension in cash and watch as it wears away with inflation．Others use savings products with high feets and risk being hurt by a stock market downturn．A third option is an annuity，which（2）guaranteesguarantees a lifelong income but vanishes at death，even if that is a week after retirement．
Lionel Martellini of EDHEC，a French business school，and Robert Merton of the Massachusetts Institute of Technology（a Nobel laureate in economics）have come up with a（n）（3）alternativealternative．Workers would buy government-issued bonds while in employment；these bonds would pay no interest until retirement．Over the next 20 years（the typical life expectancy on retirement）bond holders would receive payments（4）containingcontaining interest plus the return of the capital．These would be linked to inflation，or another（5）fundsfunds such as average consumption．So a worker born in 1970，say，would buy a bond that made payments from 2035 until 2055．Every（6）financialfinancial innovation needs a specific name，and these are called SLFIES（Standard of Living Indexed，F(xiàn)orward-starting Income-only Securities）．
These bonds would act somewhat like annuities，though without（7）protectingprotecting against the risk of living much longer than expected．One big advantage is that if holders die before the final year of the bond，the capital would be passed to their children．They could also be attractive to corporate pension（8）delicatelydelicately and institutions such as sovereign-wealth funds．But if bond yields stay as low as they are now，workers will still need a big pension pot to be able to retire（9）comfortablycomfortably．The average pension pot of an American aged 40-55 is ＄14，500．That will not（10）generategenerate much comfort，whatever financial products it buys．
【考點(diǎn)】人與自我．
【答案】pension；guarantees；alternative；containing；funds；financial；protecting；delicately；comfortably；generate
【解答】
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發(fā)布：2024/5/27 14:0:0組卷：9引用：1難度：0.4
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