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C1  ·  34 words

Providing for old age in Portuguese

What somebody lives on when no wage comes in any more.

Practise this list

From these 34 words, as many per round as you like — up to all of them: first what is due today, then new ones. First you choose, then you fill the gap, then you write it yourself. Mistakes come back again shortly.

More about this list

The fourteenth entry is a renda vitalícia, and the first noun is the one to slow down over, because English has narrowed its own cognate almost to nothing. Both descend from the Vulgar Latin rendita, what is handed back, and the verb is still there in Portuguese: render is to yield, and a renda is what has been yielded. Portuguese uses it across that whole range. It is the rent a tenant pays, a renda da casa; it is income of any kind, as in viver de rendas; and it is the stream of payments an insurer sells for a capital sum, which is this entry. English kept « rent » for the first job only, handed the second to « income », and for the third had to bring in a word from somewhere else entirely, « annuity », built on the Latin annus, the year. So the same payment is named after the year in one language and after the yield in the other. One further sense has no money in it at all: a renda is also lace, the kind worked on a pillow with bobbins.

The words

Phrase (1)

reforçar a poupançato top up one’s savingPhraseC1
Decidiu reforçar a poupança depois do aumento.He decided to top up his saving after the rise.

Noun (f) (19)

Grammar for these: Definite article: o, a, os, as · Contractions: do, na, ao, pelo

a poupança para a reformaretirement savingNoun (f)C1
A poupança para a reforma começa cedo demais para parecer urgente.Retirement saving starts too early to feel urgent.
a pensão públicathe state pensionNoun (f)C1
A pensão pública depende dos anos de trabalho.The state pension depends on the years worked.
a poupança individualprivate savingNoun (f)C1
A poupança individual fica ao lado das outras duas.Private saving sits alongside the other two.
a quotizaçãothe contributionNoun (f)C1
A quotização sai do salário antes de o vermos.The contribution leaves the wage before we ever see it.
a idade da reformathe state pension ageNoun (f)C1
A idade da reforma tem subido devagar.The state pension age has been creeping upwards.
a reforma antecipadaearly retirementNoun (f)C1
A reforma antecipada custa dinheiro para sempre.Early retirement costs money for good.
a penalização por antecipaçãothe early-retirement reductionNoun (f)C1
A penalização por antecipação não desaparece mais tarde.The early-retirement reduction does not go away later on.
a lacuna na pensãothe pension gapNoun (f)C1
A lacuna na pensão só aparece no fim.The pension gap only shows up at the end.
a atualização pelo custo de vidathe cost-of-living increaseNoun (f)C1
A atualização pelo custo de vida não é garantida.The cost-of-living increase is not guaranteed.
a renda vitalíciathe life annuityNoun (f)C1
A renda vitalícia paga até ao fim, seja ele quando for.The life annuity pays until the end, whenever that turns out to be.
a fase de pagamentothe payout phaseNoun (f)C1
A fase de pagamento começa quando a outra acaba.The payout phase begins where the other one stops.
a fase de acumulaçãothe accumulation phaseNoun (f)C1
A fase de acumulação dura décadas.The accumulation phase lasts for decades.
a comparticipação do empregadorthe employer contributionNoun (f)C1
A comparticipação do empregador acompanha o desconto do trabalhador.The employer contribution goes alongside the worker’s own.
a transferibilidadetransferabilityNoun (f)C1
A transferibilidade permite levar o plano para outra empresa.Transferability lets somebody take the plan to another firm.
a pensão de sobrevivênciathe survivor’s pensionNoun (f)C1
A pensão de sobrevivência passa para o cônjuge.The survivor’s pension passes to the spouse.
a pensão por incapacidadethe invalidity pensionNoun (f)C1
A pensão por incapacidade exige uma junta médica.The invalidity pension requires a medical board.
a repartição dos investimentosthe spread of the investmentsNoun (f)C1
A repartição dos investimentos muda com a idade.The spread of the investments changes with age.
a contribuição voluntáriathe voluntary contributionNoun (f)C1
A contribuição voluntária tapa um ano em falta.The voluntary contribution fills in a missing year.
a partilha da pensão no divórciothe sharing of the pension on divorceNoun (f)C1
A partilha da pensão no divórcio é decidida pelo tribunal.The sharing of the pension on divorce is decided by the court.

Noun (m) (14)

Grammar for these: Definite article: o, a, os, as · Contractions: do, na, ao, pelo

o plano da empresathe occupational pensionNoun (m)C1
O plano da empresa acrescenta uma parte à pensão.The occupational pension adds a slice to the state one.
os anos de descontosthe years of contributionsNoun (m)C1
Os anos de descontos decidem o valor final.The years of contributions decide the final figure.
o direito à pensãothe pension entitlementNoun (m)C1
O direito à pensão nasce com um número mínimo de anos.The pension entitlement arises after a minimum number of years.
o extrato da carreira contributivathe pension statementNoun (m)C1
O extrato da carreira contributiva mostra os anos em falta.The pension statement shows the years that are missing.
o pagamento de uma só vezthe lump-sum paymentNoun (m)C1
O pagamento de uma só vez é tratado de outra maneira.The lump-sum payment is treated differently.
o tratamento fiscalthe tax treatmentNoun (m)C1
O tratamento fiscal muda tudo no resultado.The tax treatment changes everything about the outcome.
o prazo de aquisição do direitothe vesting periodNoun (m)C1
O prazo de aquisição do direito é de alguns anos.The vesting period runs to a few years.
o fundo de pensõesthe pension fundNoun (m)C1
O fundo de pensões investe o dinheiro entretanto.The pension fund invests the money in the meantime.
o peso das comissõesthe weight of the chargesNoun (m)C1
O peso das comissões nota-se ao fim de trinta anos.The weight of the charges shows after thirty years.
o efeito dos juros compostosthe effect of compound interestNoun (m)C1
O efeito dos juros compostos precisa de tempo, não de sorte.The effect of compound interest needs time, not luck.
o valor realthe purchasing powerNoun (m)C1
O valor real da pensão depende dos preços.The purchasing power of the pension depends on prices.
o efeito de um ano sem descontosthe effect of a year without contributionsNoun (m)C1
O efeito de um ano sem descontos é pequeno mas permanente.The effect of a year without contributions is small but permanent.
o efeito do tempo parcialthe effect of part-time workNoun (m)C1
O efeito do tempo parcial acumula-se ao longo da carreira.The effect of part-time work builds up over a working life.
o planeamento financeirofinancial planningNoun (m)C1
O planeamento financeiro não é uma folha de cálculo.Financial planning is not a spreadsheet.

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