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Author : Jill Booker
Publisher : CCH Canadian Limited
Page : 470 pages
File Size : 41,8 Mb
Release : 2007
Category : Business & Economics
ISBN : 1553676963
Author : Michael P. Barry
Publisher : Walter de Gruyter GmbH & Co KG
Page : 273 pages
File Size : 53,8 Mb
Release : 2018-09-10
Category : Business & Economics
ISBN : 9781547400294
Mike brings to this work his comprehensive experience and consummate technical talent in a beautifully readable book. A treasure. --Frank Cummings, Former Adjunct Lecturer in Law at UVA Law School, Columbia Law School, NYU Law School, and ALI-ABA Retirement Savings Policy reviews the basic policies that govern retirement savings plans, and their real world application, focusing on the key issues of finance, taxation, fiduciary conduct, and employee choice. The discussion is framed around the three fundamental challenges confronting employers and employees today – the pension legacy, the 401(k) revolution, and the pressure, from policymakers, regulators, opinion leaders, and individuals, for changes that will put retirement security within reach of all Americans. With more than 40 years’ experience in the field, Michael P. Barry provides both a wealth of practical detail – best practices and concrete solutions – and a broad framework for understanding the issues surrounding retirement plans and strategies. The result is a comprehensive introduction to the forces that drive sponsor, participant, and policymaker decision-making. This is the perfect book for benefits and financial professionals who want a better understanding of the basic rules that govern retirement plan administration but also serves those interested in truly understanding the nuances and issues surrounding retirement plans and policies. The approach is practical, focusing on how US retirement plans actually work, how they are taxed (and not taxed), how they are regulated. But it is also conceptual, devoting considerable attention to an understanding of why these plans work the way they do. Why regulators and policymakers are so focused on a handful of issues – expanding coverage, reducing fees, fairness. And, at the highest level, what are the problems that we are trying to solve. As such, much of what we discuss will be of interest to a more general reader, who wants a realistic understanding of what is really at stake in current retirement policy debates.
Author : Canada. Task Force on Retirement Income Policy
Publisher : Task Force on Retirement Income Policy ; Hull, Quebec : available by mail from Canadian Government Pub. Centre
Page : 390 pages
File Size : 47,9 Mb
Release : 1980
Category : Old age pensions
ISBN : STANFORD:36105128637282
Author : Martin H. Ruby
Publisher : Independently Published
Page : 132 pages
File Size : 50,5 Mb
Release : 2019-03-11
Category : Business & Economics
ISBN : 1799135284
For any saver who's ever wondered "Am I doing this right?," this book will give you the guidance and confidence to answer "Yes." Too many savers are operating under an old set of rules - rules that were created and tested decades ago for market conditions that no longer exist today. And while most of us would never call someone on a rotary phone, or drive a car without airbags, we still save with outdated strategies. The New Rules of Retirement Saving is your guidebook to the risks you face as a saver today ... and the new rules you can use to overcome them. Martin H. Ruby, FSA, has made his career helping people like you save smarter. As founder and CEO of Stonewood Financial Solutions, he helps savers achieve both greater financial wealth and greater financial security. What makes his approach so successful? Martin is an actuary, a mathematics specialist focused on identifying, evaluating and eliminating risk. In founding Stonewood Financial Solutions, Martin realized his vision of delivering actuarial expertise to clients rather than financial institutions. He uses his insider knowledge of how insurance and financial products work to structure strategies that maximize benefits for savers. Now, Martin has used his insights and expertise to develop The New Rules of Retirement Saving. Reading this book will give you the knowledge of today's biggest savings risks, and teach you to overcome them as you save for your future.
Author : William G. Gale,J. Mark Iwry,David C. John
Publisher : Brookings Institution Press
Page : 406 pages
File Size : 52,6 Mb
Release : 2021-07-27
Category : Business & Economics
ISBN : 9780815739357
Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.
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 : 53,8 Mb
Release : 2013-01-10
Category : Social Science
ISBN : 9780309261968
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 : Neil Wilding,Becky Swansburg,Martin H Ruby
Publisher : Unknown
Page : 130 pages
File Size : 54,7 Mb
Release : 2020-06-18
Category : Electronic
ISBN : 9798655128712
For any saver who's ever wondered "Am I doing this right?," this book will give you the guidance and confidence to answer "Yes." Too many savers are operating under an old set of rules - rules that were created and tested decades ago for market conditions that no longer exist today. And while most of us would never call someone on a rotary phone, or drive a car without airbags, we still save with outdated strategies. The New Rules of Retirement Saving is your guidebook to the risks you face as a saver today ... and the new rules you can use to overcome them. Martin H. Ruby, FSA, has made his career helping people like you save smarter. As founder and CEO of Stonewood Financial Solutions, he helps savers achieve both greater financial wealth and greater financial security. What makes his approach so successful? Martin is an actuary, a mathematics specialist focused on identifying, evaluating and eliminating risk. In founding Stonewood Financial Solutions, Martin realized his vision of delivering actuarial expertise to clients rather than financial institutions. He uses his insider knowledge of how insurance and financial products work to structure strategies that maximize benefits for savers. Now, Martin has used his insights and expertise to develop The New Rules of Retirement Saving. Reading this book will give you the knowledge of today's biggest savings risks, and teach you to overcome them as you save for your future.
Author : Keith G. Banting,Robin W. Boadway,Queen's University (Kingston, Ont.). School of Policy Studies
Publisher : Kingston, Ont. : School of Policy Studies, Queen's University
Page : 364 pages
File Size : 48,8 Mb
Release : 1997
Category : Business & Economics
ISBN : UOM:39015040610746
The retirement income system has been hailed as one of the great successes of Canadian social policy. However, contemporary pressures have generated a vigorous debate about the way ahead. Fundamental reforms are being proposed and Canadians face important choices.
Author : Ernst & Young LLP
Publisher : John Wiley & Sons
Page : 324 pages
File Size : 44,5 Mb
Release : 2001-11-16
Category : Business & Economics
ISBN : 0471083380
Use the New Tax Law to Retire on Your Terms Are you planning your retirement with the Economic Growth and Tax Relief Reconciliation Act of 2001 in mind? If not, you could be missing out on important changes that could help you build a larger nest egg or even retire early. Drawing on the experience of the nation's premier tax and financial planners, Ernst & Young's Retirement Planning Guide, Special Tax Edition shows you how to use the new tax law to plan for a secure future-whether you're just getting started or on the verge of retirement. This practical guide highlights key financial and personal issues you need to consider during your pre-retirement and retirement years, including essential information on how the new tax law will affect your retirement. From guidance on portfolio diversification and Social Security to the new tax rules that will impact IRAs and 401(k) plans, Ernst & Young's Retirement Planning Guide, Special Tax Edition provides the insight and assistance you need to take advantage of the new tax law and plan for a financially secure future. * The effect the new tax law will have on your retirement plan-from pension withdrawals to IRA limits and new tax-deferred plans * The latest financial instruments for retirement savings * Worksheets, tips, and action items, as well as additional resources, including Web sites * Strategies to overcome adverse financial events * Wealth-building techniques to help you retire early * Practical ideas and easy-to-understand charts and tables
Author : John Andrew Turner,Lorna M. Dailey
Publisher : Unknown
Page : 336 pages
File Size : 51,9 Mb
Release : 1991
Category : Government publications
ISBN : UOM:39015021879948
Covers the period from 1970 to 1989. Provides a detailed examination of three pension policy issues: the portability of pensions for job changers, the protection from inflation of pension benefits, and funding pension plans.
Author : Hazel Bateman,Geoffrey Kingston,John Piggott
Publisher : Cambridge University Press
Page : 278 pages
File Size : 55,7 Mb
Release : 2001-11-20
Category : Biography & Autobiography
ISBN : 0521484715
Forced Saving, first published in 2001, offers an analysis of pension policy from an economic perspective. It begins with an overview of the problem of population ageing around the world, and then provides a framework within which policy responses may be consistently assessed. It focuses on the 'mandating' approach to retirement income policy, in which governments are compelling individuals - or their employers - to take on this responsibility, at least in part. The role of government becomes limited to one of mandating contributions from wages, along with regulating private fund managers to a greater or lesser extent. The authors explore the implications of introducing such a policy reform. They argue that while there is no universal agreement on the relative costs and benefits of this policy approach, there are often some advantages to moving at least some distance down the mandating path.
Author : United States. Internal Revenue Service
Publisher : Unknown
Page : 284 pages
File Size : 48,7 Mb
Release : 1990
Category : Individual retirement accounts
ISBN : NYPL:33433019921778
Author : British Columbia. Ministry of Provincial Secretary and Government Services
Publisher : Unknown
Page : 60 pages
File Size : 54,7 Mb
Release : 1982
Category : Pensions
ISBN : CORNELL:31924002168841
Author : Tony Tao Fang
Publisher : National Library of Canada = Bibliothèque nationale du Canada
Page : 224 pages
File Size : 50,6 Mb
Release : 2004
Category : Electronic
ISBN : 0612917584
Last decade witnessed rapid growth of Registered Retirement Savings Plans (RRSPs) and slow decline of occupational pension plans, particularly the defined-benefit plans. Meanwhile federal Income Tax Act and provincial Pension Standards Legislations have been reformed several times. The trend from traditional defined-benefit plans to more flexible defined contribution plans and group RRSP plans has also spurred interest in its impact on labour market, employment relations, and human resource management. To date, no thorough evaluation has been done on the determinants of pension coverage in Canada. Also, research has neither comprehensively assessed the productivity enhancing features of defined benefit plans nor provided a strong test of their labour market impact in comparison to other deferred compensation arrangements. Making use of two nationally representative surveys of Canadian workers and workplaces, my program of study is intended to advance the knowledge of current pension industry and fill the above gaps in the pension literature. Major findings are: (1) Public policies, such as higher marginal taxes, earlier vesting, and more permissive eligibility rules are found to increase pension coverage, while a ban on mandatory retirement is found to have a negative yet insignificant effect, consistent with the institutional view of pensions. (2) Pension plan and hybrid plan coverage (both pension and group RRSP coverage) are found to have significant quit reduction effects, and hybrid plan coverage has the strongest impact. Group RRSPs have small, positive effect on employee quit probability. This evidence suggests that implicit contract theory and expected pension capital loss are the major mechanisms as opposed to labour market sorting. (3) Both pensions and group RRSPs are found to have productivity enhancing effects but for different reasons, and hybrid plans have largest positive impact. Productivity gains from pension plans work more through the channels of rigorous employee selection, quit reduction, and employer-sponsored training, in line with the training and shirking models, while productivity gains through group RRSPs are achieved more through layoff deterrence and greater work effort, consistent with the information asymmetric hiring/selection model.
Author : Anthony Neuberger
Publisher : Unknown
Page : 108 pages
File Size : 51,5 Mb
Release : 2003
Category : Capital market
ISBN : STANFORD:36105113989805
David McCarthy and Anthony Neuberger review the research that has been done internationally in the area of pensions policy.