I have an occupational pension - will I be hit?
我有一份职业养老金——这会被冲击吗？

You could be. If it is a defined contribution scheme, where the amount you receive when you retire depends on the performance of the assets in which it is invested, then you are in the same boat as anyone with a personal pension. If you are about to retire the company operating your work pension should have been moving your share of the money into safer assets, so you won't be hit too hard. If you have years to go before you finish work, then there is time for losses to be recovered.

有可能。如果这是一份界定养老金（defined contribution scheme），在这种养老金中，您的收益和基金的资产投资收益表现挂钩，就是说，您和任何同样持有个人养老金的人坐在一条船上。

If you have a final salary scheme, where the amount you get is linked to your earnings, then you will be insulated from the falls in the short term, says McPhail. "In the medium term it will have an impact, though. One result that we will see is final salary schemes closing at a faster rate than at the moment."Ros Altmann, an independent pensions analyst, says most employers are likely to give up on final salary schemes: "Most of them were in deficit before the market falls, and almost all will be now." More worrying, she says, is that if your company fails and you end up having to claim your pension through the Pension Protection Fund, you will only get 90% of what you had saved.

麦克菲尔说，最终薪金方案（final salary scheme）中，您的收益和与收入挂钩，如果您有这项方案，就可以避免短期的下挫。“虽然在中期上仍然会有冲击。最终我们可以看到的一个结果是，在这段时间，薪金方案关闭速度要得快得多。”独立退休金分析师罗斯.奥特曼(Ros Altmann)说，多数的雇员倾向于放弃最终薪金方案：“他们中的多数人在市场下挫之前就已经出现了赤字，现在几乎全部出现了赤字。”更令人担忧的事情是，如果您的公司已倒闭，并最终不得不从养老金保障基金（Pension Protection Fund）取出退休金的话，您能得到的只是所存全部金额的90%。