中文：

养老保险是一种社会保障制度，旨在为老年人提供经济支持和生活保障。它是一种强制性的保险，通常由政府或企业组织，个人参与其中。

养老保险的目的是为了保障老年人的基本生活需要，如食品、住房、医疗等。一般来说，养老保险包括养老金、医疗保险、失业保险等组成部分，其中养老金是最重要的组成部分之一。

养老金是养老保险的核心内容，通常由个人和企业缴纳。在缴纳一定年限后，退休人员可以按月领取养老金。养老金的数额通常与缴纳年限、缴纳基数和缴纳比例等因素有关。

除了养老金外，养老保险还包括医疗保险和失业保险。医疗保险是为老年人提供医疗保障的重要手段，失业保险是为失业人员提供一定期限的失业救济金。

总的来说，养老保险是一种社会保障制度，旨在保障老年人的基本生活需要。它是社会稳定和发展的重要保障之一，也是每个人都需要参与的重要事务之一。

英文：

Endowment insurance is a social security system designed to provide economic support and life security for the elderly. It is a mandatory insurance usually organized by the government or enterprises, with individuals participating.

The purpose of endowment insurance is to ensure the basic living needs of the elderly, such as food, housing, medical care, etc. Generally speaking, endowment insurance includes pension, medical insurance, unemployment insurance and other components, among which the pension is one of the most important components.

Pension is the core content of endowment insurance, usually contributed by individuals and enterprises. After paying for a certain number of years, retired personnel can receive monthly pension. The amount of pension is usually related to the payment period, payment base and payment ratio.

In addition to pensions, endowment insurance also includes medical insurance and unemployment insurance. Medical insurance is an important means to provide medical security for the elderly, while unemployment insurance provides unemployment relief for a certain period of time.

In general, endowment insurance is a social security system designed to ensure the basic life needs of the elderly. It is one of the important guarantees for social stability and development, and also one of the important affairs that everyone needs to participate in.