персональная гарантия(What is a personal guarantee? – A personal guarantee is a provision a lender puts in a business loan agreement that requires owners to be personally responsible for their company's debt in case of default. Lenders often ask for personal guarantees because they have concerns over the credit history, age or financial stability of your business.'More)
негосударственный пенсионный фонд(There are two main ways you can start saving for a pension – getting one through your job or joining a personal pension scheme. You can save for a pension using both types of pension scheme at the same time if you want to gov.uktlumach)