One reason is that companies nowadays are much more aware of their own long-run fragility than they were in the post-World War II decades. Not even America’s IBM – which prides itself on stability – wants to take the risk of offering defined-benefit schemes.
但是，如今并没有很多公司愿意提供长期的、固定金额的养老金计划。一个原因是，各公司如今和后二战几十年相比，更为清楚其自身的长期脆弱性。甚至连以稳定自豪的美国IBM公司也不想承担提供固定金额计划的风险。