z***s
发帖数: 2760 | 1 很幸运公司有pension
现在看来一切都很好
但有点担心30年后像gm一样破产
那最坏情况下 公司破产了 退休基金应该是独立操作的吧？债主有权当公司财产claim
吗？
多谢
★ 发自iPhone App: ChineseWeb 8.7 | S**C
发帖数: 2964 | 2 Pension obligation is a junior debt to the company in capital structure,
thus in case of bankruptcy, pension has a claim to company's asset, behind
senior debt owners, but before equity owners. It is almost certain a hair-
cut would happen unless the pension beneficiaries are politically well
connected (think UAW). PBGC also insures benefit to a limit.
claim
【在 z***s 的大作中提到】
: 很幸运公司有pension
: 现在看来一切都很好
: 但有点担心30年后像gm一样破产
: 那最坏情况下 公司破产了 退休基金应该是独立操作的吧？债主有权当公司财产claim
: 吗？
: 多谢
: ★ 发自iPhone App: ChineseWeb 8.7
| z***s
发帖数: 2760 | 3 多谢回复
我还以为pension是独立于公司的fund管理的，现在公司给pension的充值大概在90%.
★ 发自iPhone App: ChineseWeb 8.7
【在 S**C 的大作中提到】
: Pension obligation is a junior debt to the company in capital structure,
: thus in case of bankruptcy, pension has a claim to company's asset, behind
: senior debt owners, but before equity owners. It is almost certain a hair-
: cut would happen unless the pension beneficiaries are politically well
: connected (think UAW). PBGC also insures benefit to a limit.
:
: claim
| S**C
发帖数: 2964 | 4 They could be, they could be also managed in-house, or a mixture of both.
But the future pension obligations are hard to measure until the bills are
due, while the current pension assets value fluctuates. Often an important
portion of pension fund is made of company stock, which is fine as long as
the company is doing good, and it is cheap for the company, but when things
get wrong...you get the idea.
【在 z***s 的大作中提到】
: 多谢回复
: 我还以为pension是独立于公司的fund管理的，现在公司给pension的充值大概在90%.
:
: ★ 发自iPhone App: ChineseWeb 8.7
| z***s
发帖数: 2760 | 5 got it
多谢
看来自己还是要多寸养老金 我们没用工会 万一公司垮了就惨了
things
★ 发自iPhone App: ChineseWeb 8.7
【在 S**C 的大作中提到】
: They could be, they could be also managed in-house, or a mixture of both.
: But the future pension obligations are hard to measure until the bills are
: due, while the current pension assets value fluctuates. Often an important
: portion of pension fund is made of company stock, which is fine as long as
: the company is doing good, and it is cheap for the company, but when things
: get wrong...you get the idea.
|
|
