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Author : United States. Congress. House. Committee on Ways and Means. Subcommittee on Oversight
Publisher : Unknown
Page : 122 pages
File Size : 43,8 Mb
Release : 2003
Category : Business & Economics
ISBN : STANFORD:36105050310353
Author : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Health, Employment, Labor, and Pensions
Publisher : Unknown
Page : 100 pages
File Size : 48,9 Mb
Release : 2011
Category : Business & Economics
ISBN : MINN:31951D034055539
Author : United States. Congress. Senate. Committee on Governmental Affairs. Subcommittee on Financial Management, the Budget, and International Security
Publisher : Unknown
Page : 272 pages
File Size : 54,5 Mb
Release : 2004
Category : Business & Economics
ISBN : STANFORD:36105050347389
Author : Bruce Cohen,Brian Fitzgerald
Publisher : John Wiley and Sons
Page : 238 pages
File Size : 52,7 Mb
Release : 2008-02-15
Category : Business & Economics
ISBN : 9780470156414
An "owner's manual" for every Canadian with a pension plan. Millions of Canadians are covered by pension plans in one form or another-whether that's CPP or a company plan, or personal RRSPs. But pensions are the benefit least understood by employees. They're confusing and complex, but understanding pensions is crucial to every Canadian's financial security in retirement. Since its initial publication, The Pension Puzzle has become the definitive book on the subject. Now completely revised and updated, The Pension Puzzle remains a true owner's manual for anyone with a pension plan. The Pension Puzzle is not just for those about to retire. It's for every working Canadian who needs to make decisions about their pension plan and how it affects their financial future.
Author : Raimond Maurer,Olivia S. Mitchell,Mark J. Warshawsky
Publisher : Oxford University Press
Page : 128 pages
File Size : 48,6 Mb
Release : 2012-09-27
Category : Business & Economics
ISBN : 9780191636301
The worldwide financial crisis has wrought deep changes in capital and labor markets, old-age retirement systems, and household retirement and consumption patterns. Confidence has been shaken in both the traditional defined benefit and defined contribution plans. Around the world, plan sponsors, fiduciaries, policymakers, and households have gained a new awareness of retirement risk. When pressed to reform post-crisis, many would recommend enhancing financial advice for plan participants, emphasizing flexibility and the positive effect of working another one or two years to make up for investment losses in the downturn. Adding to this is the continuing need for financial education, essential as the retirement system moves increasingly toward personal account pensions. Perhaps most important of all is the need for greater understanding of risk throughout the retirement security system, along with new approaches to re-engineering retirement pensions. This volume explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans resulting from the financial crisis. It aims to rethink retirement in the new economic era, including the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.
Author : David Blitzstein,Olivia S. Mitchell,Stephen P. Utkus
Publisher : Oxford University Press on Demand
Page : 270 pages
File Size : 45,5 Mb
Release : 2006-08-03
Category : Business & Economics
ISBN : 9780199204656
Highlighting retirement security as a major policy concern, this book addresses the question 'What are the risks & rewards in pensions, & what paths can stakeholders chose to solve these problems?'. It deals with employees' needs & expectations, employers' intentions & realizations, & policymakers' efforts to resolve the many challenges.
Author : AFL-CIO Center for Working Capital
Publisher : Unknown
Page : 109 pages
File Size : 54,6 Mb
Release : 200?
Category : Defined contribution pension plans
ISBN : 0972303618
Author : William G. Gale,J. Mark Iwry,David C. John
Publisher : Brookings Institution Press
Page : 406 pages
File Size : 51,6 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 : United States. Congress. House. Committee on Ways and Means
Publisher : Unknown
Page : 128 pages
File Size : 54,9 Mb
Release : 2002
Category : Business & Economics
ISBN : LOC:00098178260
Author : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Employer-Employee Relations
Publisher : Unknown
Page : 182 pages
File Size : 55,7 Mb
Release : 2003
Category : Defined benefit pension plans
ISBN : PURD:32754077079485
Author : United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions. Subcommittee on Retirement Security and Aging
Publisher : Unknown
Page : 100 pages
File Size : 50,7 Mb
Release : 2005
Category : Business & Economics
ISBN : STANFORD:36105063991512
Author : Don Ezra,Bob Collie,Matthew X. Smith
Publisher : John Wiley & Sons
Page : 298 pages
File Size : 43,6 Mb
Release : 2009-06-08
Category : Business & Economics
ISBN : 9780470494806
Praise For The Retirement Plan Solution "Short, clear, complete, and always interesting. Best book on DC plans and what we should do-now." —Charles D. Ellis, author, Winning the Loser's Game "At a time when the world is in turmoil, along with retirement expectations, the authors have hit a home run. After reading this book, I have a plan. Read it for your path to retirement security." —Dallas Salisbury, President and CEO, Employee Benefit Research Institute "The Retirement Plan Solution offers a refreshing and provocative perspective on how to assess retirement needs, save to meet these needs, and manage the retirement payout process. In this time of financial turmoil, employees, plan sponsors, and financial advisors will find this highly practical resource volume both useful and humorous." —Olivia S. Mitchell, Director, Pension Research Council, Wharton School "The Retirement Plan Solution is a map to the future of 401(k) retirement plans. But it is not just a theoretical view of what could be. Instead, the authors describe the needs and trends that are already here, and then describe the changes that are developing to meet those needs. It is about the tomorrow that is happening today." —Fred Reish, Managing Director, Reish Luftman Reicher & Cohen "The respected authors have created a readable, timely, and very helpful book on all aspects of retirement planning. The suggestions are practical, the information is concise, and the book is highly recommended for anyone that is interested in sound financial planning." —Moshe A. Milevsky, PhD, Finance Professor, York University, Toronto, Canada "This is a must-read for people working in the retirement industry, as well as those who simply care about how to improve their chance of reaching a financially secure retirement. In a clear and simple fashion, the authors deliver one of the best books to date on inefficiencies in the current DC plan and potential improvements." —Peng Chen, President, Ibbotson Associates
Author : United States. Congress. Senate. Committee on Labor and Human Resources
Publisher : Unknown
Page : 90 pages
File Size : 45,9 Mb
Release : 1998
Category : Business & Economics
ISBN : STANFORD:36105119548472
Author : G. A. (Sandy) Mackenzie
Publisher : Cambridge University Press
Page : 128 pages
File Size : 41,9 Mb
Release : 2010-06-21
Category : Business & Economics
ISBN : 9781139488723
The traditional (final or average salary) pension that employers have provided their employees has suffered a huge decline in labor force coverage in the United Kingdom and the United States, and less severe declines in Canada and elsewhere. The traditional pension provides a precious measure of retirement security by paying retirees an annuity for life. This study compares developments in the countries just named and in Australia, Denmark, Germany, Japan, Netherlands, Sweden, and Switzerland to explain the forces behind the decline of the traditional pension and to contrast the experience of public sector employer-provided plans, where it remains dominant. Given the great value of the longevity insurance that the traditional plan provides, and the risks its diminished coverage entails, the book proposes a set of measures that either stem the decline or endow defined contribution pensions with some of the attributes of the traditional plan.
Author : William G. Gale,John B. Shoven,Mark J. Warshawsky
Publisher : Rowman & Littlefield
Page : 420 pages
File Size : 53,7 Mb
Release : 2004-04-21
Category : Business & Economics
ISBN : 0815796420
The private pension system, together with Social Security, has provided millions of Americans with income security in retirement. But over the past thirty years, pension coverage has stagnated, leaving behind some vulnerable groups. Defined contribution plans have exposed workers to greater investment risk, while cash balance and other hybrid plans may have adverse effects on older workers caught in the transition. Pension regulations, infamous for their complexity, can be bewildering to policy analysts and policymakers. Private Pensions and Public Policies sheds timely and much-needed light on specific issues within the broader context and framework of pension reform. Contributors focus on topics that must be addressed in any reform effort, including the effects of the shift in emphasis toward defined contribution plans (after the 1974 Employee Retirement Income and Security Act) and hybrid plans (from the 1990s); regulatory issues such as nondiscrimination rules and contribution limits; how to increase the information available to participants and improve financial education; how participants in defined contribution plans make choices on questions such as asset allocation, back-loaded versus front-loaded saving, and annuities versus lump sum distributions; and the interaction of the private pension system with Social Security. Contributors include Robert L. Clark (North Carolina State University), Sylvester J. Schieber (Watson Wyatt Worldwide), Richard A. Ippolito (George Mason University School of Law), Alan L. Gustman (Dartmouth College), Thomas L. Steinmeier (Texas Tech University), John Karl Scholz (University of Wisconsin), Dean M. Maki, (JPMorgan Chase), William Even (Miami University of Ohio), Jagadeesh Gokhale (American Enterprise Institute), Laurence J. Kotlikoff (Boston University), Mark J. Warshawsky (TIAA-CREF Institute), Annika Sunden (Boston College), Andrew A. Samwick (Dartmouth College), David A. Wise (Harvard University), Joel Dickson (T