Personal Provision Of Retirement Income PDF Download
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Author | : Gerard Hughes |
Publisher | : Edward Elgar Publishing |
Total Pages | : 312 |
Release | : 2009 |
Genre | : Business & Economics |
ISBN | : |
Download Personal Provision of Retirement Income Book in PDF, ePub and Kindle
In response to demographic change many countries in the European Union have reformed their pension systems. During the last two decades personal pensions have been introduced in Belgium, Denmark, France, Germany, Ireland, Italy, Poland, Sweden, and the UK. This book is a critical examination of the objectives of personal pensions in these countries and the use of tax incentives to encourage individuals to save for their retirement. It also includes discussion on personal pensions in the United States. The volume focuses on issues such as risk, administrative expense, and the role of tax allowances in encouraging personal pension provision. Based on the evidence from these countries it is concluded that expectations relating to the take up of personal pensions have not been met and that EU countries should not rely on personal pensions to improve income adequacy at the lower end of the income distribution. Academics and researchers teaching and studying employee benefits and pension costs - particularly in countries that have recently reformed their pension systems - will warmly welcome this book. Government bodies involved in pension reform and European Commission institutions concerned with the evolution and problems with pension policy within the EU will also find this book an informative and invaluable read.
Author | : Dan Mays McGill |
Publisher | : Oxford University Press, USA |
Total Pages | : 916 |
Release | : 2005 |
Genre | : Business & Economics |
ISBN | : 9780199269501 |
Download Fundamentals of Private Pensions Book in PDF, ePub and Kindle
For almost five decades, Fundamentals of Private Pensions has been the most authoritative text and reference book on private pensions in the world. The revised and updated Eighth Edition adds to past knowledge while providing exciting new perspectives on the provision of retirement income. This new edition is organized into six main sections dealing with a variety of separable pension issues. Section I provides an introductory discussion on the historical evolution of the pension movement and how pensions fit into the patchwork of the whole retirement income security system in the United States. It includes a discussion about the economics of the tax incentives that have played a role in stimulating pension offerings and in the structure of the benefits provided. Section 2 lays out the regulatory environment in which private pension plans operate. Section 3 investigates the various forms of retirement plans that are available to workers to determine how they are structured in practical terms. Section 4 focuses on the economics of pensions. Several of the chapters in this section update and refine material from the prior. New chapters in this volume describe the conversion of some traditional pensions to new hybrid forms, including cash balance and pension equity plans, and the growing phenomenon of phased retirement and the issues raised for employer-sponsored pensions. Section 5 explores the funding and accounting environments in which private employer-sponsored retirement plans operate. The concluding section investigates the handling of assets in employer-sponsored plans and their valuation as well as the insurance provision behind the benefit promises implied by the plans. This latest edition of Fundamentals of Private Pensions will prove invaluable reading for both academics and professionals working in the area of pensions and pension management.
Author | : United States. Congress. Joint Committee on Internal Revenue Taxation |
Publisher | : |
Total Pages | : 12 |
Release | : 1962 |
Genre | : Self-employed |
ISBN | : |
Download Summary of the Provisions of the Self-employed Individuals Tax Retirement Act of 1962 : H.R. 10, 87th Congress, Public Law 87-792 Book in PDF, ePub and Kindle
Author | : Hazel Bateman |
Publisher | : Edward Elgar Publishing |
Total Pages | : 253 |
Release | : 2007-01-01 |
Genre | : Business & Economics |
ISBN | : 1847202829 |
Download Retirement Provision in Scary Markets Book in PDF, ePub and Kindle
The past few decades have witnessed a global move towards private provision for retirement through individual defined contribution pensions at the expense of publicly provided and employer-sponsored defined benefit pensions. As a consequence, workers and retirees are becoming increasingly exposed to uncertainties in financial, labour and economic markets. The contributors to this book analyse the implications for retirement income policy, workers and retirees in view of the current climate of heightened exposure to scary markets. The implications of a broad range of scary market scenarios are presented, and novel solutions prescribed. Retirement incomes across a number of countries including the US, the UK, Japan and Australia are explored, and uncertainties examined include: extreme stock price volatility; discontinuous labour market participation; and regulatory failure and macroeconomic instability. Concluding with the observation that regulatory reforms could be almost as scary as the underlying macroeconomic conditions, this book will prove a fascinating read for scholars, researchers, practitioners and policymakers with an interest in pensions and pension policy, financial economics and public sector economics.
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 | : National Research Council |
Publisher | : National Academies Press |
Total Pages | : 256 |
Release | : 1997-02-06 |
Genre | : Social Science |
ISBN | : 0309175194 |
Download Assessing Policies for Retirement Income Book in PDF, ePub and Kindle
The retirement income security of older Americans and the cost of providing that security are increasingly the subject of major debate. This volume assesses what we know and recommends what we need to know to estimate the short- and long-term effects of policy alternatives. It details gaps in data and research and evaluates possible models to estimate the impact of policy changes that could affect retirement income from Social Security, pensions, personal savings, and other sources.
Author | : Mark Warshawsky |
Publisher | : MIT Press |
Total Pages | : 277 |
Release | : 2012 |
Genre | : Business & Economics |
ISBN | : 0262016931 |
Download Retirement Income Book in PDF, ePub and Kindle
Strategies, products, and public policies that will help a new generation of retirees maximize income and minimize risk. As members of the baby boom generation head into retirement, they face an economic environment that has changed noticeably since their parents retired. Most of these new retirees will not be equipped, as many in the earlier generation were, with private pension plans, early retirement options, and fully paid retiree health benefits in addition to Social Security and Medicare. Today it is increasingly left to retirees themselves to plan how to maximize retirement income and minimize risk. In Retirement Income, Mark Warshawsky and his colleagues describe strategies, products, and public policies that will help a new generation achieve financial security and income growth in retirement. Warshawsky, a noted expert in the field who has worked in both government and private industry, analyzes two insurance vehicles, life annuities and long-term care insurance, and their capacity to protect against the extra costs arising from longevity and disability. He proposes two innovations. The first is a strategy that includes a set percentage withdrawal from a balanced portfolio, which is gradually used to purchase a ladder of life annuities. The second proposal, which includes a description of the potential choices in product design and available tax characteristics, is a product that integrates the immediate life annuity and long-term care insurance. With Retirement Income, Warshawsky offers practical ideas based on the results of empirical investigations and analyses, which can be applied to household decision making by retirees and their financial planners and to the design of insurance products and public policy.
Author | : |
Publisher | : |
Total Pages | : |
Release | : 1992 |
Genre | : |
ISBN | : |
Download Private Provision for Retirement Income "options Report" Book in PDF, ePub and Kindle
Author | : Frank Holmes |
Publisher | : |
Total Pages | : 28 |
Release | : 1991 |
Genre | : Old age pensions |
ISBN | : |
Download Savings and Retirement Income Book in PDF, ePub and Kindle
Author | : Earl A. Armbrust |
Publisher | : |
Total Pages | : 68 |
Release | : 1978 |
Genre | : Civil service |
ISBN | : |
Download Options for Federal Civil Service Retirement Book in PDF, ePub and Kindle