请问这里有谁可以介绍一下吗?

就是每月个人税前工资交一部分,公司也交一部分(不同公司有不同匹配比例).然后交给一家财务公司管理,你要选择这笔钱的的投资组合(低风险到高风险),每年会得到这笔钱的价值,好的时候,会有高收益,差的时候,钱会减少, 呵呵,我今年的帐单上的钱就比去年少了.

因为是养老金,你不能提前支取,但可以修订投资组合.

Generally speaking yes as it is TAX-FREE FREE money. Tax-free is because all the calculations are before tax and FREE is that your employer would match or top-up what you contribute, in most of cases. But there is no absolutely good or bad and so is the pension investment. Most employers now offer pensions that are the invested in funds operated by large or small pension fund companies and the value of your pension can go up or down. So it is possible that your own investment may over-run your pension fund but I personally don't think it would happen very often. The other type of pension, final-salary pension is better as it offers percentage of your final salary which is pretty much fixed no matter how the backing fund performs therefore it is a much safer option and in fact this is called 'gold plate'. If your pension is this sort, you should opt-in.

I know things are more unpredictable for us Chinese as we cannot tell exactly how many years we may stay here or even we would be a pensioner in this country. IMHO you still should contribute as long as you know there is a sensible exit method if you leave the company you're working for in next a few years.

打电话给你们公司PENSION的管理公司. 然后问他们他们公司有没有在中国设有转接公司.他们通常会给你一个网站,可以查到在中国有哪些养老金管理公司与英国有协议的并且可以跟你在英国的管理公司相转接的.如果将来你真的要回国,可以转到国内的相同协议养老金公司那里. 只要是可以转的,我建议买的好要,不然每年给英国鬼鬼贡献那么多税哦...而且这个PENSION一般是你存5%,然后你们公司存10%的--具体每个公司不一样,但是总的来说公司在给你的养老金帐户加钱总不是坏事.

你们公司的pension可以转会国内？请问是什么管理公司？

我所在的不行。

谢谢！

您还是写中文吧，楼上这些兄弟们（女士们请原谅，你们也一并划入‘兄弟’的行列了）本来就对养老金不甚了解，您这本来就jargon连篇再加上英文，能帮上人家忙吗？