Thrifty savers find 年金s in 危険，危なくする

By JUSTIN HARPER FOR MAILONLINE
Updated: 00:00 BST, 20 October 2004

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WORKERS who save extra money into their company 年金s could lose it all if the 会社／堅い goes 破産した／（警察が）手入れする, に引き続いて a 議論の的になる House of Lords 改正 to the 年金s 法案.

現在／一般に, if a 年金 計画／陰謀 runs into trouble, any money paid into 付加 voluntary 出資／貢献s (AVCs) is the first to be ringfenced.

Thousands of 労働者s have already lost out as compani es have gone under, taking their 労働者s' generous 年金 基金s with them. AVCs have up until now always been safer from plundering.

But the 改正 made in the Lords last week would overturn this and could put extra 年金 貯金 at 危険 for those in final salary 計画／陰謀s.

Only one type of AVC would be 影響する／感情d - that used to buy 追加するd years in the company 年金.

Women would be 攻撃する，衝突する hardest as they tend to use AVCs to （不足などを）補う lost years into their 年金s に引き続いて maternity breaks and time out to raise a family.

Their extra 出資／貢献s could go into the pockets of a retired company director already receiving a 抱擁する 年金.

This could happen if a 計画／陰謀 had a 大規模な 赤字 and couldn't 会合，会う its 義務／負債s. It may then be put into 勝利，勝つd-up and the AVC money used to 安全な・保証する the 年金s of those already retired.

This is because pensioners of company 計画／陰謀s are 最高の，を越す of the つつく／ペックing order when money is paid out with those still 支払う／賃金ing into a 計画／陰謀 その上の 負かす／撃墜する the 名簿（に載せる）／表（にあげる）.

The 提案するd 改正 would その上の dent 信用／信任 in company 年金s に引き続いて the 苦境 of 犠牲者s of 負傷させる- up 年金 基金s.

Also, last week's damning 報告（する）／憶測 by the 年金 （売買）手数料，委託（する）／委員会／権限 警告 of a £57bn 不足（高） in 年金s 貯金 will 原因（となる） 抱擁する 関心s for UK 労働者s.

Alan Smith, director of First Actuarial - a 年金s consultancy, says: 'You can imagine how pleased a 女性（の） 従業員 would be to see her hard-earned 貯金 go に向かって 安全な・保証するing a 年金 of £75,000 a year that is already in 支払い（額） to a retired director.

'So once again we can see the 慎重な 存在 punished and another disincentive to saving making its way to the 法令 調書をとる／予約するs.'

A 広報担当者 for the Department For Work And 年金s 確認するd the 改正 had been put 今後 and said 王室の assent was 推定する／予想するd in 中央の-November.