401(k) Plans

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Author :
Publisher : DIANE Publishing
ISBN 13 : 143792316X
Total Pages : 52 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis 401(k) Plans by : Barbara D. Bovbjerg

Download or read book 401(k) Plans written by Barbara D. Bovbjerg and published by DIANE Publishing. This book was released on 2010 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Under federal regulations, 401(k) participants may tap into their accrued retirement savings before retirement under certain circumstances, including hardship. This "leakage" from 401(k) accounts can result in a permanent loss of retirement savings. This report analyzes: (1) the incidence, amount, and relative significance of the different forms of 401(k) leakage; (2) how plans inform participants about hardship withdrawal provisions, loan provisions, and options at job separation, including the short- and long-term costs of each; and (3) how various policies may affect the incidence of leakage. To address these matters, the report analyzed federal and 401(k) industry data and interviewed federal officials, pension experts, and plan administrators. Illus.

401(k) Plans

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781976199554
Total Pages : 52 pages
Book Rating : 4.1/5 (995 download)

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Book Synopsis 401(k) Plans by : Government Accountability Office

Download or read book 401(k) Plans written by Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-09 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Under federal regulations, 401(k) participants may tap into their accrued retirement savings before retirement under certain circumstances, including hardship. This "leakage" from 401(k) accounts can result in a permanent loss of retirement savings. GAO was asked to analyze (1) the incidence, amount, and relative significance of the different forms of 401(k) leakage; (2) how plans inform participants about hardship withdrawal provisions, loan provisions, and options at job separation, including the short- and long-term costs of each; and (3) how various policies may affect the incidence of leakage. To address these matters, GAO analyzed federal and 401(k) industry data and interviewed federal officials, pension experts, and plan administrators responsi- ble for managing the majority of 401(k) participants and assets. GAO is suggesting that Congress consider changing the requirement for the 6-month contribution suspension following a hardship withdrawal. In addition,

401(k) Plans

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781983908439
Total Pages : 52 pages
Book Rating : 4.9/5 (84 download)

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Book Synopsis 401(k) Plans by : United States Government Accountability Office

Download or read book 401(k) Plans written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-02-09 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: 401(k) Plans: Policy Changes Could Reduce the Long-term Effects of Leakage on Workers' Retirement Savings

Social Security Policy in a Changing Environment

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Publisher : University of Chicago Press
ISBN 13 : 0226076504
Total Pages : 473 pages
Book Rating : 4.2/5 (26 download)

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Book Synopsis Social Security Policy in a Changing Environment by : Jeffrey R. Brown

Download or read book Social Security Policy in a Changing Environment written by Jeffrey R. Brown and published by University of Chicago Press. This book was released on 2009-12-15 with total page 473 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security Policy in a Changing Environment analyzes the changing economic and demographic environment in which social insurance programs that benefit elderly households will operate. It also explores how these ongoing trends will affect future beneficiaries, under both the current social security program and potential reform options. In this volume, an esteemed group of economists probes the challenge posed to Social Security by an aging population. The researchers examine trends in private sector retirement saving and health care costs, as well as the uncertain nature of future demographic, economic, and social trends—including marriage and divorce rates and female participation in the labor force. Recognizing the ambiguity of the environment in which the Social Security system must operate and evolve, this landmark book explores factors that policymakers must consider in designing policies that are resilient enough to survive in an economically and demographically uncertain society.

Investigations in the Economics of Aging

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Author :
Publisher : University of Chicago Press
ISBN 13 : 0226903133
Total Pages : 399 pages
Book Rating : 4.2/5 (269 download)

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Book Synopsis Investigations in the Economics of Aging by : David A. Wise

Download or read book Investigations in the Economics of Aging written by David A. Wise and published by University of Chicago Press. This book was released on 2012-08 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers presented at a conference held in Carefree, Arizona in May 2011.

Can We Do More to Keep Savings in Our Retirement System?

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Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Can We Do More to Keep Savings in Our Retirement System? by : United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions

Download or read book Can We Do More to Keep Savings in Our Retirement System? written by United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions and published by . This book was released on 2015 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Economic Report of the President Transmitted to the Congress

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Author :
Publisher :
ISBN 13 :
Total Pages : 452 pages
Book Rating : 4.3/5 (129 download)

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Book Synopsis Economic Report of the President Transmitted to the Congress by : United States. President

Download or read book Economic Report of the President Transmitted to the Congress written by United States. President and published by . This book was released on 2012 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reports for 2002- include: The Annual report of the Council of Economic Advisers.

The State of U.S. Retirement Security

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Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis The State of U.S. Retirement Security by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy

Download or read book The State of U.S. Retirement Security written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy and published by . This book was released on 2015 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Advances in Accounting Behavioral Research

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Publisher : Emerald Group Publishing
ISBN 13 : 180382803X
Total Pages : 205 pages
Book Rating : 4.8/5 (38 download)

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Book Synopsis Advances in Accounting Behavioral Research by : Khondkar E. Karim

Download or read book Advances in Accounting Behavioral Research written by Khondkar E. Karim and published by Emerald Group Publishing. This book was released on 2022-08-25 with total page 205 pages. Available in PDF, EPUB and Kindle. Book excerpt: Focusing on research that examines both individual and organizational behavior relative to accounting, Volume 25 of Advances in Accounting Behavioral Research uncovers emerging theories, methods and applications.

401(k) Plans Policy Changes Could Reduce The Long-term Effects Of Leakage On Workers' Retirement Savings

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Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (122 download)

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Book Synopsis 401(k) Plans Policy Changes Could Reduce The Long-term Effects Of Leakage On Workers' Retirement Savings by :

Download or read book 401(k) Plans Policy Changes Could Reduce The Long-term Effects Of Leakage On Workers' Retirement Savings written by and published by . This book was released on 2009 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Retirement Savings

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Author :
Publisher : DIANE Publishing
ISBN 13 : 1437924611
Total Pages : 55 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Retirement Savings by : Barbara D. Bovbjerg

Download or read book Retirement Savings written by Barbara D. Bovbjerg and published by DIANE Publishing. This book was released on 2010-08 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: Only about half of all workers participate in employer-sponsored retirement plans. To foster greater participation among workers who have access to such plans, Congress passed a law that facilitates plan sponsors' adoption of automatic enrollment policies (AEP). To foster greater retirement savings among workers who do not have access to an employer-sponsored plan, proposals have been made for an "automatic IRA" and at the state level for state-based programs. This report determined: (1) what is known about the effect of AEP among the nation's 401(k) plans, and the extent of and future prospect for such policies; and (2) the potential benefits and limitations of automatic IRA proposals and state-assisted retirement savings proposals. Illus.

Defined Contribution Plans: Challenges and Opportunities for Plan Sponsors

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Author :
Publisher : CFA Institute Research Foundation
ISBN 13 : 1952927218
Total Pages : 108 pages
Book Rating : 4.9/5 (529 download)

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Book Synopsis Defined Contribution Plans: Challenges and Opportunities for Plan Sponsors by : Jeffery V. Bailey

Download or read book Defined Contribution Plans: Challenges and Opportunities for Plan Sponsors written by Jeffery V. Bailey and published by CFA Institute Research Foundation. This book was released on 2021-08-11 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: American workers rely on their employers to provide a way to generate retirement income beyond their Social Security earnings. Many employers still offer traditional defined benefit (DB) pension plans. A growing majority, however, have replaced DB plans with account-based defined contribution (DC) plans. Virtually everyone acknowledges that the basic DC plan design is flawed. Yet as a society with low private savings and a fraying Social Security system, we count on this imperfect structure to serve as a retirement security bulwark. Workers and society both need the employer-sponsored retirement system to function well. Enhancing DC plan design therefore becomes critical. Defined Contribution Plans: Challenges and Opportunities for Plan Sponsors offers guidance to plan sponsors interested in better understanding the primary issues confronting DC plans. We wrote this book from the viewpoint of the plan sponsor seeking to improve the DC system, and it follows five major themes: the plan participant, the plan sponsor, plan design, investments and investment managers, and asset decumulation in retirement. We present the material conversationally from a high-level perspective. We have not sought to write an encyclopedia on DC plans but rather focus on the basic features of well-run plans. We address key challenges facing DC plans and offer associated design and policy recommendations for plan sponsors and other interested parties to consider. Plan design improvements almost certainly will be incremental, rather than sweeping top-down changes mandated by regulators. Plan sponsors individually will make the important decisions that have lasting consequences for participants and for society. Our objective is to spark interest among sponsors, encouraging them to carry out additional research and take action. We believe the DC system will be strengthened by informed sponsors advocating for and implementing thoughtful strategic changes to their plans.

BNA Pension & Benefits Reporter

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Publisher :
ISBN 13 :
Total Pages : 1096 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis BNA Pension & Benefits Reporter by :

Download or read book BNA Pension & Benefits Reporter written by and published by . This book was released on 2011 with total page 1096 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Coming Up Short

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Publisher : Rowman & Littlefield
ISBN 13 : 9780815796343
Total Pages : 236 pages
Book Rating : 4.7/5 (963 download)

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Book Synopsis Coming Up Short by : Alicia H. Munnell

Download or read book Coming Up Short written by Alicia H. Munnell and published by Rowman & Littlefield. This book was released on 2004-02-09 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the baby boom begins to withdraw from the labor force, ensuring a secure retirement income becomes an increasingly important issue, the number of people over age 65 is expected to double by 2030. That trend will continue, accompanied by worries about stock market volatility, corporate malfeasance, a rapidly changing economy, and the viability of Social Security. In Coming Up Short, two experts on retirement policy analyze 401(k) plans, the fastest-growing type of employer-sponsored pensions and a vital source of retirement income for the American middle class. Alicia Munnell and Annika Sunden chronicle the development of 401(k) plans, now the dominant form of private pensions. In accessible language, they explain how such plans work and discuss their popularity. For employees, these plans are appealing becuase they have more control over their own retirement funds, and the plans are portable. For employers, the plans are generally less costly than defined benefit plans. Despite those advantages, there are some significant downsides to 401(k) plans. These plans shift all the risk and responsibility to employees, who must decide whether to join, how much to contribute, how to invest, whether to "cash out" when changing jobs, and how to manage their nest egg in retirement. These are difficult decisions, and while in theory 401(k)s could be an effective savings vehicle for retirement, in practice many people make mistakes at every step along the way. Com ing Up Short discusses why these mistakes are made and proposes various reforms to ensure that the aging population will have adequate retirement income. Comprehensive and up-to-date, Coming Up Short is an essential resource on 401(k) plans for financial service professionals, policymakers, academics, and individuals planning for their own retirement.

Investigations in the Economics of Aging

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Author :
Publisher : University of Chicago Press
ISBN 13 : 0226903168
Total Pages : 399 pages
Book Rating : 4.2/5 (269 download)

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Book Synopsis Investigations in the Economics of Aging by : David A. Wise

Download or read book Investigations in the Economics of Aging written by David A. Wise and published by University of Chicago Press. This book was released on 2012-05-25 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the most well-established relationships in the economics of aging is that between health and wealth. Yet this relationship is also changing in conjunction with a rapidly aging population as well as a broad evolution in how people live later in life. Building on findings from earlier editions in this National Bureau of Economic Research series, Investigations in the Economics of Aging focuses on the changing financial circumstances of the elderly and the relationship of these circumstances to health and health care. Among the topics addressed are the significance of out-of-pocket health care costs, the effects of inflation on social security, and the impact of the recent financial crisis on Americans’ well-being. Encompassing new data and advances in research methodology, the developments presented in this volume will have important implications for economies worldwide.

Congressional Record

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Publisher :
ISBN 13 :
Total Pages : 1538 pages
Book Rating : 4.3/5 (243 download)

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Book Synopsis Congressional Record by : United States. Congress

Download or read book Congressional Record written by United States. Congress and published by . This book was released on 2011 with total page 1538 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)

Human Resources Report

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Publisher :
ISBN 13 :
Total Pages : 748 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Human Resources Report by :

Download or read book Human Resources Report written by and published by . This book was released on 2009-07 with total page 748 pages. Available in PDF, EPUB and Kindle. Book excerpt: