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[00:00.83]I'm very lucky to have worked in the civil service, which has its own pension scheme.
我很幸运曾在公务员部门工作，那里有自己的养老金计划。 [00:06.37]My salary has never been as good as it might have been in the private sector,
我的薪水从来没有在私营部门工作时那么高， [00:10.64]but you accept that when you work for a public service.
但当你为公共服务机构工作时，你会接受这一点。 [00:13.98]What you do get is job security, longer holidays, good medical insurance and an excellent pension.
你得到的是工作保障、更长的假期、良好的医疗保险和丰厚的养老金。 [00:21.68]My pension is calculated as a percentage of my final salary. That's very rare in the private sector.
我的退休金是按我最后薪金的百分比计算的。这在私营部门是非常罕见的。 [00:28.42]Usually private companies take your average salary over a period of, say, 20 years.
一般来说，私人公司会在一段时间内收取你的平均工资，比如说20年。 [00:34.96]So all in all I expect to be very comfortable when I retire,
所以总而言之，我希望退休后能过得很舒服， [00:39.53]even if I haven't had that much disposable income during my working life.
即使我在工作期间没有那么多可支配收入。 [00:44.41]People think that as a company director, I'm bound to have all sorts of privileged pension benefits
人们认为，作为一个公司的董事，我一定会有各种特殊的养老金福利 [00:50.28]and company schemes going on, some special executive plan.
公司计划正在进行，一些特殊的执行计划。 [00:54.85]But it's not the case. We have a company scheme for all our employees but I don't actually participate in it.
但事实并非如此。我们公司为所有员工制定了一项计划，但我并没有参加。 [01:02.05]Instead, I've put most of my money in a long-term savings account,
相反，我把大部分钱都存进了一个长期储蓄账户， [01:06.94]that gives a good rate of return if you keep it in for long enough.
如果你持有足够长的时间，就会有很好的回报率。 [01:10.80]It seems bizarre I know, but I make far more than I need to spend and I guess I'm naturally cautious with my money.
我知道这看起来很奇怪，但我挣的钱远远超过我需要花的，我想我对我的钱很谨慎。
我很幸运曾在公务员部门工作，那里有自己的养老金计划。 [00:06.37]My salary has never been as good as it might have been in the private sector,
我的薪水从来没有在私营部门工作时那么高， [00:10.64]but you accept that when you work for a public service.
但当你为公共服务机构工作时，你会接受这一点。 [00:13.98]What you do get is job security, longer holidays, good medical insurance and an excellent pension.
你得到的是工作保障、更长的假期、良好的医疗保险和丰厚的养老金。 [00:21.68]My pension is calculated as a percentage of my final salary. That's very rare in the private sector.
我的退休金是按我最后薪金的百分比计算的。这在私营部门是非常罕见的。 [00:28.42]Usually private companies take your average salary over a period of, say, 20 years.
一般来说，私人公司会在一段时间内收取你的平均工资，比如说20年。 [00:34.96]So all in all I expect to be very comfortable when I retire,
所以总而言之，我希望退休后能过得很舒服， [00:39.53]even if I haven't had that much disposable income during my working life.
即使我在工作期间没有那么多可支配收入。 [00:44.41]People think that as a company director, I'm bound to have all sorts of privileged pension benefits
人们认为，作为一个公司的董事，我一定会有各种特殊的养老金福利 [00:50.28]and company schemes going on, some special executive plan.
公司计划正在进行，一些特殊的执行计划。 [00:54.85]But it's not the case. We have a company scheme for all our employees but I don't actually participate in it.
但事实并非如此。我们公司为所有员工制定了一项计划，但我并没有参加。 [01:02.05]Instead, I've put most of my money in a long-term savings account,
相反，我把大部分钱都存进了一个长期储蓄账户， [01:06.94]that gives a good rate of return if you keep it in for long enough.
如果你持有足够长的时间，就会有很好的回报率。 [01:10.80]It seems bizarre I know, but I make far more than I need to spend and I guess I'm naturally cautious with my money.
我知道这看起来很奇怪，但我挣的钱远远超过我需要花的，我想我对我的钱很谨慎。
