In this way the employer shouldered all the investment risk the individual would otherwise have to face; DB schemes, not their members, are the ones bearing the mighty losses in asset prices this year.

以这种方式， 雇主承担了个人将不得不面对的所有投资风险；今年资产价格遭受巨大损失的是 DB 计划， 而不是其成员。