As supers take over, the provision for old folks' incomes will be almost entirely based on defined contributions, not defined benefits.

由于养老基金将负责支出这部分开支，老年人群将从中获取保障，此项养老基金将取决于个人历史贡 献，而不是直接界定收益。

The alternative is what's called a defined contribution pension, which is where you build up a pot of money.

另一种选择是所谓的固定缴款养老金，这是你积累一大笔钱的地方。

We'll come back to defined contribution pensions in a moment as they're the type that most listeners will actually have.

我们稍后会回到固定缴款养老金， 因为它们是大多数听众实际拥有的类型。