This reflects the fact that most Britons use their pension pot to buy an annuity.

这表明大多数英国人用他们的养老金来购买年金。

The Bank of Spain recently issued a warning about a dwindling pension pot, suggesting it was time to push the retirement age above 65.

西班牙央行近来发布了关于养老金罐逐步减少的警告，提议说是时候将退休年龄推到65岁以后了。

The danger is that employees will underestimate the size of the pension pot they need and overestimate the investment returns they will achieve.

危险在于雇员们会低估他们需要的养老金数目，而且高估他们将会获得的投资收益。

If workers are not required to use all of their pension pot to buy an annuity, it seems sensible to ensure they make provision for their basic needs.

如果工人们不被要求用所有的退休存款去购买年金，那么确保他们为生活基本需求预作安排的行为就是明智的。