M&S
Personal retirement products:
Retirement plan is considered to be one of the big issues to think about when joining a company or an organization. Knowing about the different products the company offers is an important aspect to ask about. Retirement products are available through two different ways; defined contribution plan and defined benefit plan.
Defined contribution plan specify the amount of the contribution that the employer/government is willing to provide in addition to the employee contribution. This type is mostly used due to its easiness, law risk, and non-expensiveness but in the other hand, it needs more skills for employees in order to make good investment decisions.
In defined benefit plan there is no contribution involved, instead the company will specify the benefit that will be paid to the employees after retirement if certain conditions met. Such conditions can be 30 years working at the company and/or at least 60 years age at retirement. To illustrate......
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