Key Demographics In Retirement Risk Management

Author : Leroy O Stone
Publisher : Springer Science & Business Media
Page : 157 pages
File Size : 46,5 Mb
Release : 2012-06-14
Category : Family & Relationships
ISBN : 9789400740440

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Key Demographics in Retirement Risk Management by Leroy O Stone Pdf

Key Demographics in Retirement Risk Management argues that the weakening of public and employer-sponsored social safety nets in several countries will permanently increase pre-retirees’ risk-anxiety and create pressure towards readjustment of their expectations about the quality of their lives in retirement. The result will be to raise the priority of achieving effective comprehensive retirement related risk management. This achievement requires an emphasis upon the cascading of linked risks, and careful attention to the optimization of scarce resources used to manage those linked risks. Professional financial and retirement planning advisors comprise a key source of help. This book develops new knowledge concerning the factors that help to explain three important aspects of access to these professional advisors. The results of this analysis are used to illustrate the process of identifying distinctive population segments, key demographics, on the basis of multiple population attributes treated simultaneously. The illustration is further extended with an identification of distinctive population segments relative to performance on a composite indicator of the conduct of multiple retirement risk management activities. The book also discusses implications of the pattern of gender differences in preparedness to address retirement’s challenges, highlighting subgroups of women in which inadequate preparedness is pronounced.

Author : Robert Louis Clark,Olivia S. Mitchell
Publisher : Oxford University Press, USA
Page : 282 pages
File Size : 44,5 Mb
Release : 2010
Category : Business & Economics
ISBN : 9780199592609

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Reorienting Retirement Risk Management by Robert Louis Clark,Olivia S. Mitchell Pdf

This volume explores how workers and firms should reassess the risks associated with retirement saving and dissaving to identify creative ways to enhance retirement risk management. It examines the key role for financial literacy and education programs, better pension design and innovative financial products in addressing new economic realities.

Author : National Research Council,Division of Behavioral and Social Sciences and Education,Committee on Population,Division on Engineering and Physical Sciences,Board on Mathematical Sciences and Their Applications,Committee on the Long-Run Macroeconomic Effects of the Aging U.S. Population
Publisher : National Academies Press
Page : 230 pages
File Size : 44,5 Mb
Release : 2013-01-10
Category : Social Science
ISBN : 9780309261968

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Aging and the Macroeconomy by National Research Council,Division of Behavioral and Social Sciences and Education,Committee on Population,Division on Engineering and Physical Sciences,Board on Mathematical Sciences and Their Applications,Committee on the Long-Run Macroeconomic Effects of the Aging U.S. Population Pdf

The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.

Author : Anonim
Publisher : Unknown
Page : 108 pages
File Size : 54,7 Mb
Release : 2007
Category : Older people
ISBN : WISC:89119734713

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Growing Older in America by Anonim Pdf

Author : RMU Honors Program
Publisher : Lulu.com
Page : 469 pages
File Size : 44,5 Mb
Release : 2024-06-03
Category : Electronic
ISBN : 9781312226869

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2014 Honors Theses by RMU Honors Program Pdf

Author : United Nations Economic Commission for Latin America and the Caribbean
Publisher : United Nations
Page : 202 pages
File Size : 49,9 Mb
Release : 2016-03-28
Category : Political Science
ISBN : 9789210572323

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CEPAL Review No.116, August 2015 by United Nations Economic Commission for Latin America and the Caribbean Pdf

Cepal Review is the leading journal for the study of economic and social development issues in Latin America and the Caribbean. Edited by the Economic Commission for Latin America, each issue focuses on economic trends, industrialization, income distribution, technological development and monetary systems, as well as the implementation of reforms and transfer of technology. Written in English and Spanish (Revista De La Cepal), each tri-annual issue brings you approximately 12 studies and essays undertaken by authoritative experts or gathered from conference proceedings.

Author : Hua Chai,Jun Il Kim
Publisher : International Monetary Fund
Page : 21 pages
File Size : 47,7 Mb
Release : 2018-12-07
Category : Business & Economics
ISBN : 9781484385876

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Demographics, Pension Systems and the Saving-Investment Balance by Hua Chai,Jun Il Kim Pdf

This paper studies the effect of demographic change on national saving, global interest rates, and international capital flows, focusing on the role of the public pension system. We develop a small open economy overlapping generations model to illustrate the channels through which demographic variables and pension system generosity interact to affect both private and public saving behavior. We then extend this framework to a two-country setting and simulate scenarios of demographic change and pension reform. We find that the generosity of the pension system plays an important role in determining the movement of the global interest rate and patterns of international capital flows.

Author : Institute of Medicine,Board on Health Promotion and Disease Prevention,Committee on Assuring the Health of the Public in the 21st Century
Publisher : National Academies Press
Page : 536 pages
File Size : 42,6 Mb
Release : 2003-02-01
Category : Medical
ISBN : 9780309133180

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The Future of the Public's Health in the 21st Century by Institute of Medicine,Board on Health Promotion and Disease Prevention,Committee on Assuring the Health of the Public in the 21st Century Pdf

The anthrax incidents following the 9/11 terrorist attacks put the spotlight on the nation's public health agencies, placing it under an unprecedented scrutiny that added new dimensions to the complex issues considered in this report. The Future of the Public's Health in the 21st Century reaffirms the vision of Healthy People 2010, and outlines a systems approach to assuring the nation's health in practice, research, and policy. This approach focuses on joining the unique resources and perspectives of diverse sectors and entities and challenges these groups to work in a concerted, strategic way to promote and protect the public's health. Focusing on diverse partnerships as the framework for public health, the book discusses: The need for a shift from an individual to a population-based approach in practice, research, policy, and community engagement. The status of the governmental public health infrastructure and what needs to be improved, including its interface with the health care delivery system. The roles nongovernment actors, such as academia, business, local communities and the media can play in creating a healthy nation. Providing an accessible analysis, this book will be important to public health policy-makers and practitioners, business and community leaders, health advocates, educators and journalists.

Author : National Academies of Sciences, Engineering, and Medicine,Division of Behavioral and Social Sciences and Education,Health and Medicine Division,Board on Behavioral, Cognitive, and Sensory Sciences,Board on Health Sciences Policy,Committee on the Health and Medical Dimensions of Social Isolation and Loneliness in Older Adults
Publisher : National Academies Press
Page : 317 pages
File Size : 44,9 Mb
Release : 2020-05-14
Category : Social Science
ISBN : 9780309671033

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Social Isolation and Loneliness in Older Adults by National Academies of Sciences, Engineering, and Medicine,Division of Behavioral and Social Sciences and Education,Health and Medicine Division,Board on Behavioral, Cognitive, and Sensory Sciences,Board on Health Sciences Policy,Committee on the Health and Medical Dimensions of Social Isolation and Loneliness in Older Adults Pdf

Social isolation and loneliness are serious yet underappreciated public health risks that affect a significant portion of the older adult population. Approximately one-quarter of community-dwelling Americans aged 65 and older are considered to be socially isolated, and a significant proportion of adults in the United States report feeling lonely. People who are 50 years of age or older are more likely to experience many of the risk factors that can cause or exacerbate social isolation or loneliness, such as living alone, the loss of family or friends, chronic illness, and sensory impairments. Over a life course, social isolation and loneliness may be episodic or chronic, depending upon an individual's circumstances and perceptions. A substantial body of evidence demonstrates that social isolation presents a major risk for premature mortality, comparable to other risk factors such as high blood pressure, smoking, or obesity. As older adults are particularly high-volume and high-frequency users of the health care system, there is an opportunity for health care professionals to identify, prevent, and mitigate the adverse health impacts of social isolation and loneliness in older adults. Social Isolation and Loneliness in Older Adults summarizes the evidence base and explores how social isolation and loneliness affect health and quality of life in adults aged 50 and older, particularly among low income, underserved, and vulnerable populations. This report makes recommendations specifically for clinical settings of health care to identify those who suffer the resultant negative health impacts of social isolation and loneliness and target interventions to improve their social conditions. Social Isolation and Loneliness in Older Adults considers clinical tools and methodologies, better education and training for the health care workforce, and dissemination and implementation that will be important for translating research into practice, especially as the evidence base for effective interventions continues to flourish.

Author : National Academies of Sciences, Engineering, and Medicine,Division of Behavioral and Social Sciences and Education,Committee on Population
Publisher : National Academies Press
Page : 409 pages
File Size : 44,7 Mb
Release : 2018-07-21
Category : Social Science
ISBN : 9780309474108

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Future Directions for the Demography of Aging by National Academies of Sciences, Engineering, and Medicine,Division of Behavioral and Social Sciences and Education,Committee on Population Pdf

Almost 25 years have passed since the Demography of Aging (1994) was published by the National Research Council. Future Directions for the Demography of Aging is, in many ways, the successor to that original volume. The Division of Behavioral and Social Research at the National Institute on Aging (NIA) asked the National Academies of Sciences, Engineering, and Medicine to produce an authoritative guide to new directions in demography of aging. The papers published in this report were originally presented and discussed at a public workshop held in Washington, D.C., August 17-18, 2017. The workshop discussion made evident that major new advances had been made in the last two decades, but also that new trends and research directions have emerged that call for innovative conceptual, design, and measurement approaches. The report reviews these recent trends and also discusses future directions for research on a range of topics that are central to current research in the demography of aging. Looking back over the past two decades of demography of aging research shows remarkable advances in our understanding of the health and well-being of the older population. Equally exciting is that this report sets the stage for the next two decades of innovative researchâ€"a period of rapid growth in the older American population.

Author : Marco Micocci,Greg N. Gregoriou,Giovanni Batista Masala
Publisher : CRC Press
Page : 766 pages
File Size : 42,9 Mb
Release : 2010-01-25
Category : Business & Economics
ISBN : 9781439817544

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Pension Fund Risk Management by Marco Micocci,Greg N. Gregoriou,Giovanni Batista Masala Pdf

As pension fund systems decrease and dependency ratios increase, risk management is becoming more complex in public and private pension plans. Pension Fund Risk Management: Financial and Actuarial Modeling sheds new light on the current state of pension fund risk management and provides new technical tools for addressing pension risk from an integr

Author : Liz Capezuti,Michael L. Malone, MD,Paul R. Katz, MD,Mathy Doval Mezey
Publisher : Springer Publishing Company
Page : 849 pages
File Size : 47,5 Mb
Release : 2013-12-11
Category : Family & Relationships
ISBN : 9780826137357

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The Encyclopedia of Elder Care by Liz Capezuti,Michael L. Malone, MD,Paul R. Katz, MD,Mathy Doval Mezey Pdf

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Author : Institute of Medicine,Food and Nutrition Board,Food Forum
Publisher : National Academies Press
Page : 192 pages
File Size : 43,6 Mb
Release : 2010-11-29
Category : Medical
ISBN : 9780309158831

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Providing Healthy and Safe Foods As We Age by Institute of Medicine,Food and Nutrition Board,Food Forum Pdf

Does a longer life mean a healthier life? The number of adults over 65 in the United States is growing, but many may not be aware that they are at greater risk from foodborne diseases and their nutritional needs change as they age. The IOM's Food Forum held a workshop October 29-30, 2009, to discuss food safety and nutrition concerns for older adults.

Author : Olivia S. Mitchell,Raimond Maurer,J. Michael Orszag
Publisher : Oxford University Press
Page : 256 pages
File Size : 48,7 Mb
Release : 2016-11-10
Category : Business & Economics
ISBN : 9780192512338

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Retirement System Risk Management by Olivia S. Mitchell,Raimond Maurer,J. Michael Orszag Pdf

In the wake of the worst financial crisis since the Great Depression, lawmakers and regulators around the world have changed the playbook for how banks and other financial institutions must manage their risks and report their activities. The US Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the European System of Financial Supervision (ESFS) is also crafting a framework to supervise regulated financial sector institutions including banks, insurers, pension funds, and asset managers. The implosion of the financial sector has also prompted calls for accounting changes from those seeking to better understand how assets and liabilities are reported. Initially banks were seen by many as the most important focus for regulatory reform, but other institutions are now attracting policymaker attention. There is logic to this in terms of managing systemic risk and ensuring a level playing field that avoids arbitrage between institutional structures. Yet the nature of pension and insurer liabilities is so different from that of bank liabilities that careful attention is needed in drafting appropriate rules. The new rules are having both direct and spill-over effects on retirement systems around the world. The first half of this volume undertakes an assessment of how global responses to the financial crisis are potentially altering how insurers, pension plan sponsors, and policymakers will manage risk in the decades to come. The second half evaluates developments in retirement saving and retirement products, to determine which and how these might help meet shortfalls in retirement provision.

Author : Rick Nason,Leslie Fleming
Publisher : Business Expert Press
Page : 146 pages
File Size : 47,7 Mb
Release : 2018-06-04
Category : Business & Economics
ISBN : 9781947098374

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Essentials of Enterprise Risk Management by Rick Nason,Leslie Fleming Pdf

Enterprise risk management has never been as topical. The 2008 financial crisis, ever-present cyber-security threats, market volatility, increasing regulation, climate change, stakeholder activism and changing workforce demographics are just a few of the factors creating a focus on enterprise risk management. This book lays out the basics of enterprise risk management in a common sense and highly applicable manner. This book, intended for general managers of all levels, board of directors, students of risk management and others who need to be concerned about risk management and strategy, provides a solid base for understanding best practice in risk management. It gives readers the concepts and tools to excel in the current dynamic risk management environment and make risk management a value-adding activity within their organization.