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Author | : Hazel Bateman |
Publisher | : Cambridge University Press |
Total Pages | : 278 |
Release | : 2001-11-20 |
Genre | : Biography & Autobiography |
ISBN | : 9780521484718 |
Download Forced Saving Book in PDF, ePub and Kindle
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 | : Teresa Ghilarducci |
Publisher | : Workman Publishing |
Total Pages | : 145 |
Release | : 2015-12-15 |
Genre | : Business & Economics |
ISBN | : 0761186131 |
Download How to Retire with Enough Money Book in PDF, ePub and Kindle
Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking—just an easy-to-follow program that works.
Author | : National Research Council |
Publisher | : National Academies Press |
Total Pages | : 230 |
Release | : 2013-01-10 |
Genre | : Social Science |
ISBN | : 0309261961 |
Download Aging and the Macroeconomy Book in PDF, ePub and Kindle
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 | : Meir Statman |
Publisher | : |
Total Pages | : 12 |
Release | : 2013 |
Genre | : |
ISBN | : |
Download Mandatory Retirement Savings Book in PDF, ePub and Kindle
Nudges toward voluntary defined-contribution retirement savings have moved many non-savers into savings but have left many behind. I argue that it is time to switch from libertarian-paternalistic nudges to fully paternalistic shoves. I draw on evidence from the United States and other countries to advocate a retirement savings solution centered on a paternalistic second layer of mandatory private defined-contribution savings accounts in a retirement savings pyramid, above the paternalistic first layer of Social Security and below the libertarian third layer of voluntary savings.
Author | : Paul J. Graney |
Publisher | : Nova Publishers |
Total Pages | : 176 |
Release | : 2004 |
Genre | : Business & Economics |
ISBN | : 9781590339077 |
Download Retirement Savings Plans Book in PDF, ePub and Kindle
Individual retirement accounts (IRAs), established by the Employee Retirement Income Security Act of 1974 (PL 93-406) to promote retirement saving, were limited at first to workers (and spouses) who lacked employer pension coverage. Income tax was deferred on both contribution and investment earnings. Annual contributions were limited to the smaller of $1,500 or 15% of earnings. Eligibility was expanded to all workers and their spouses by the Economic Recovery Tax Act of 1981 (PL 97-34). Annual contributions were limited to the smaller of $2,000 or 100% earnings. The Tax Reform Act Reform Act of 1986 (PL 99-514) continued tax deferral for IRA earnings, but it limited tax deferrals for contributions to those from: (1) tax filers with no employer plan (for either spouse); and (2) filers with employer pension coverage but whose adjusted gross income (AGI) is below specified limits. The Taxpayer Relief Act of 1997 (PL 105-34) increased these AGI limits, allowed penalty-free early withdrawals for higher education expenses and first-home purchases, and authorised a new 'Roth IRA' to provide tax-free income from after-tax contributions and untaxed investment earnings. This book reviews the key details concerning these legal arrangements for retirement.
Author | : Panel on Retirement Income Modeling |
Publisher | : National Academies Press |
Total Pages | : 288 |
Release | : 1996-08-13 |
Genre | : Social Science |
ISBN | : 0309589533 |
Download Assessing Knowledge of Retirement Behavior Book in PDF, ePub and Kindle
This book brings together in one volume what researchers have learned about workers, employers, and retirees that is important for formulating retirement income policies. As the U.S. population ages, there is increasing uncertainty about the solvency of the Social Security and Medicare systems and the adequacy of private pensions to provide for people's retirement needs. The volume covers such critical behaviors as workers' decisions to retire, people's choices of saving over consumption, and employers' decisions about hiring older workers and providing pension and health care benefits. Also covered are trends in mortality, health status, and health care costs that are key to projecting the likely costs and effects of alternative retirement income security policies and a strategy for combining data and research knowledge into a policy modeling framework.
Author | : Hazel Bateman |
Publisher | : |
Total Pages | : 30 |
Release | : 1996 |
Genre | : Pension trusts |
ISBN | : 9780733414947 |
Download Mandatory Retirement Saving in Australia Book in PDF, ePub and Kindle
Author | : Teresa Ghilarducci |
Publisher | : Columbia University Press |
Total Pages | : 177 |
Release | : 2018-01-23 |
Genre | : Political Science |
ISBN | : 0231546270 |
Download Rescuing Retirement Book in PDF, ePub and Kindle
Retirement shouldn’t be just for the rich: “Finally, a practical plan to address Americans’ lack of adequate retirement savings.”—Michael Bloomberg Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don’t act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, economist Teresa Ghilarducci and billionaire businessman Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. Built on people’s own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans’ growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement. “Ghilarducci and James never slip into wonk-speak or jargon, and lay readers will appreciate the way the authors make sense of complex economic issues.”—Publishers Weekly
Author | : Robert L. Clark |
Publisher | : Elsevier |
Total Pages | : 45 |
Release | : 2016-06-06 |
Genre | : Business & Economics |
ISBN | : 1483138550 |
Download Cost-Effective Pension Planning Book in PDF, ePub and Kindle
Cost-Effective Pension Planning
Author | : United States. Congress. Senate. Special Committee on Aging |
Publisher | : |
Total Pages | : 160 |
Release | : 2009 |
Genre | : 401(k) plans |
ISBN | : |
Download Saving Smartly for Retirement Book in PDF, ePub and Kindle