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An Analysis Of Pension Participation At Current And Prior Jobs Receipt And Use Of Preretirement Lump Sum Distributions And Tenure At Current Job
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Book Synopsis An Analysis of Pension Participation at Current and Prior Jobs, Receipt and Use of Preretirement Lump-sum Distributions, and Tenure at Current Job by : Joseph S. Piacentini
Download or read book An Analysis of Pension Participation at Current and Prior Jobs, Receipt and Use of Preretirement Lump-sum Distributions, and Tenure at Current Job written by Joseph S. Piacentini and published by . This book was released on 1990 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Preserving Portable Pensions by : Piacentini, Joseph S.
Download or read book Preserving Portable Pensions written by Piacentini, Joseph S. and published by . This book was released on 1990 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Trends in Pensions by : John Andrew Turner
Download or read book Trends in Pensions written by John Andrew Turner and published by . This book was released on 1992 with total page 760 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Lump-Sum Distributions at Job Change by : Craig Copeland
Download or read book Lump-Sum Distributions at Job Change written by Craig Copeland and published by . This book was released on 2009 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper focuses on the decisions that workers at job change make on receipt of a lump-sum payment from an employment-based retirement plan: whether to roll the account balance over to another tax-qualified savings vehicle, spend the assets, or invest/save the assets in another manner. The number and amounts of lump-sum distributions are estimated, followed by a discussion of what individuals are doing with these distributions and an analysis of important determinants of the decision to roll over the distribution versus using the assets for other reasons. These results are derived from recently released data from the U.S. Census Bureau -- The Pension and Retirement Plan Coverage Topical Module 7 of the 2004 Survey of Income and Program Participation (SIPP) -- which includes lump-sum data for individuals through 2006. This research updates prior studies on lump-sum distributions done by the Employee Benefit Research Institute. About 16.2 million working-age Americans reported ever having received a lump-sum distribution from a retirement plan when changing jobs, through April of 2006. The average amount of these distributions was $32,219 (in 2006 dollars) and the median (mid-point) amount was $10,000. For the most part, the amounts of the lump-sum distributions were relatively small -- just over 21 percent of the distributions were less than $2,500. Just over 16 percent were $50,000 or more. The rest of the distributions (about 63 percent) were between $2,500 and $50,000. The data show that an increasing percentage of retirement plan participants are rolling over all of their lump-sum distributions on job change, and fewer are spending any of their distributions on consumption. However, the data also show that approximately 60 percent of those who took a lump-sum payment did not roll all of it into tax-qualified savings, although not all of those distributions were spent exclusively on consumption but instead were used for home purchases, starting a business, or paying down debt. This behavior varied significantly across participants' ages and the amount of the distribution, with older individuals (up to age 65) and those with higher balances more likely to roll over their assets.
Book Synopsis The Future of Pensions in the United States by : Ray Schmitt
Download or read book The Future of Pensions in the United States written by Ray Schmitt and published by University of Pennsylvania Press. This book was released on 1993 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: Table of Contents
Book Synopsis Receipt of Lump-sum Distributions from Retirement Plans by : Shamlall Gupta
Download or read book Receipt of Lump-sum Distributions from Retirement Plans written by Shamlall Gupta and published by . This book was released on 1993 with total page 750 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Spend it Or Save It? by : G. Lawrence Atkins
Download or read book Spend it Or Save It? written by G. Lawrence Atkins and published by . This book was released on 1986 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Lump-sum Distributions from Retirement Saving Plans by : James M. Poterba
Download or read book Lump-sum Distributions from Retirement Saving Plans written by James M. Poterba and published by . This book was released on 1995 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the central issues in evaluating the ongoing shift from defined benefit (DB) to defined contribution (DC) pension plans is the degree to which assets in DC plans will be withdrawn before plan participants reach retirement age. The annual flow of withdrawals from such plans, which are known as lump sum distributions and which are frequently but not always associated with employment changes, has exceeded $100 billion in recent years. This flow is substantially greater than the flow of new contributions to IRAs and other targeted retirement saving programs. This paper draws on data from the 1993 Current Population Survey and the Health and Retirement Survey to summarize the incidence and disposition of lump sum distributions. We find that while less than half of all lump sum distributions are rolled over into IRAs or other retirement saving plans, large distributions are substantially more likely to be saved than smaller ones are. Consequently, more than half of the dollars paid out as lump sum distributions are reinvested. We also explore the correlation between various individual characteristics and the probability of rolling over a lump sum distribution. This is a first step toward developing a model that can be used to evaluate the long- term effects of lump sum distributions, or policies that might affect them, on the financial status of elderly households.
Author :United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment Publisher : ISBN 13 : Total Pages :168 pages Book Rating :4.0/5 ( download)
Book Synopsis The Illusory Promise of Retirement Security by : United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment
Download or read book The Illusory Promise of Retirement Security written by United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment and published by . This book was released on 1991 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book BNA Pension Reporter written by and published by . This book was released on 1990-07 with total page 1024 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Essays on Retirement Education and Private Pensions by : Leslie Ann Muller
Download or read book Essays on Retirement Education and Private Pensions written by Leslie Ann Muller and published by . This book was released on 2000 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Pension Distribution Answer Book, 2016 Edition by : Melanie N. Aska
Download or read book Pension Distribution Answer Book, 2016 Edition written by Melanie N. Aska and published by Wolters Kluwer. This book was released on 2015-11-12 with total page 1168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension Distribution Answer Book delivers fast, easy-to-understand guidance for interpreting statutes and regulations and complying with burdensome distribution tax and reporting rules. Stay current with the hundreds of regulations pertaining to qualified plan distributions. Pension Distribution Answer Book guides you through the maze of legal, administrative, and tax requirements for all types of distributions...and delivers the facts you need to solve a problem, answer a question, make a decision, or simply find out what the experts think. This practical reference keeps you current on: Plan disqualification Highly compensated employees Rollover distributions Discrimination rules Transfers Lump sum distributions Loans And much more!
Download or read book EBRI Issue Brief written by and published by . This book was released on 1990 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Lump-Sum Distributions from Retirement Saving Plans by : James M. Poterba
Download or read book Lump-Sum Distributions from Retirement Saving Plans written by James M. Poterba and published by . This book was released on 2010 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the central issues in evaluating the ongoing shift from defined benefit (DB) to defined contribution (DC) pension plans is the degree to which assets in DC plans will be withdrawn before plan participants reach retirement age. The annual flow of withdrawals from such plans, which are known as lump sum distributions and which are frequently but not always associated with employment changes, has exceeded $100 billion in recent years. This flow is substantially greater than the flow of new contributions to IRAs and other targeted retirement saving programs. This paper draws on data from the 1993 Current Population Survey and the Health and Retirement Survey to summarize the incidence and disposition of lump sum distributions. We find that while less than half of all lump sum distributions are rolled over into IRAs or other retirement saving plans, large distributions are substantially more likely to be saved than smaller ones are. Consequently, more than half of the dollars paid out as lump sum distributions are reinvested. We also explore the correlation between various individual characteristics and the probability of rolling over a lump sum distribution. This is a first step toward developing a model that can be used to evaluate the long- term effects of lump sum distributions, or policies that might affect them, on the financial status of elderly households.
Book Synopsis Innovations and Trends in Pension Plan Coverage, Pension Type and Plan Design by : Olivia S. Mitchell
Download or read book Innovations and Trends in Pension Plan Coverage, Pension Type and Plan Design written by Olivia S. Mitchell and published by . This book was released on 1992 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book National Tax Journal written by and published by . This book was released on 1998 with total page 864 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book China written by World Bank and published by World Bank Publications. This book was released on 1993 with total page 1422 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Republic of Korea's industrial policy has directed that nation's economy through nearly three decades of spectacular growth. But the authors of this paper maintain that this policy is showing signs of being outmoded. The time has come, the authors argue, for the Korean government to stop managing the economy's structural development and to redefine the responsibilities of business and government. Under this proposed compact, the allocation of resources would shift from the government to the private industrial and financial sectors. The transformation of the government bureaucracy from an ad hoc policy role to one of a transparent and predictable regulator is a key to the success of this undertaking. These new directions would present the government with enormous challenges. Greater competitive discipline and regulatory oversight would be required. While dealing with the complexities of the transition, the government would have to maintain macroeconomic stability and the momentum of savings and investment. For comparison, the study examines the industrial economies of France, Germany, Japan, and the United States, which underwent similar shifts.
