近年来，随着人口老龄化问题日益严重，关于养老金和养老保险的话题越发引起社会广泛关注。作为一个普通劳动者，在工作之余是否真正了解自己将来的退休生活？在这个问题上，我们需要认真思考并做出明智的选择。

首先让我们看一下什么是退休金以及它对每个人意味着什么。简单地说，退休金就是当您结束职业生涯后领取到的钱款或福利。而这笔钱很可能来源于您所交纳过的养老保险费用、公司提供的企业年金计划、政府补贴等等方式。

然而，并非所有国家都有完善健全的公共基本养老制度, 这也促使更多人开始深入探究私营机构提供给员工们额外支持和帮助方案--即企业年金计划.

从长远角度看, 通过参加企业年金计划可以有效弥补公共基本养老制度不够周全覆盖范围. 对雇主来说, 提供优厚稳定可靠轨道走向未来安详舒适生活特色待遇能大幅增进员工忠诚心情态度变得积极乐观朝气蓬勃.

另一方面值得注意: 在某些国家里还存在无法规避前述两种模式均不能满足要求现状. 因此民间市场推出第三种形式——商业性个人储蓄账户（IRA）便成为备选项之一. 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