pivotal age

pivotal age
фин., эк. тр. центральный [осевой\] возраст* (ожидаемый возраст, начиная с которого величина возможной государственной пенсии за выслугу лет начинает превышать дополнительные доходы от инвестирования пенсионных взносов в негосударственный пенсионный план, т. е. когда становится выгоднее начинать участвовать в государственной системе пенсионного обеспечения)
See:

Англо-русский экономический словарь.

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