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Britains Pensions Crisis
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Book Synopsis Britain's Pensions Crisis by : Hugh Pemberton
Download or read book Britain's Pensions Crisis written by Hugh Pemberton and published by . This book was released on 2006-10-19 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this volume, leading experts on the past and present of pensions in Britain debate the present crisis, and the lessons of history for those seeking to craft solutions to it that are both effective and enduring. The volume also contains a number of chapters which draw important lessons from the experience of other European and North American countries over the past few decades.
Book Synopsis You're on Your Own by : Peter Morris
Download or read book You're on Your Own written by Peter Morris and published by Civitas Book Publisher. This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The UK state pension is the lowest in the developed world. From the start, it was intended to prevent absolute destitution in old age, whilst encouraging all those who could do so to make their own arrangements to secure a decent standard of living in retirement. This aim has not changed. Successive governments have encouraged all citizens to join private pension plans, which would guarantee this standard of living. The aim of public policy for the last 30 years has been to encourage saving and to permit more personal choice. In this book the authors show how and why the very opposite has occurred. Saving has decreased and most people feel 'scepticism, bewilderment and confusion' when thinking about post-retirement income. Defined benefit (DB) schemes have declined until they scarcely exist outside the public sector. They have been replaced by defined contribution (DC) schemes which, the authors argue, are not really pensions at all, but only savings vehicles - and very unpredictable ones at that. To call a DC scheme a pension is like calling a tent a house. The authors use the example of hypothetical twin brothers who start work on the same day, one for a company offering a DB scheme, the other making a DC arrangement. The latter will receive a retirement income which will be just one quarter of his DB twin's. More than seven million people over the age of 25 are not contributing to any private pension at all - which means that, given the inadequacy of the state pension, they are on course for an extremely impoverished retirement. Millions of people in Britain are going to retire with no financial assets whatever. Unless effective action is taken to increase the amount people save, and the effectiveness with which those savings are converted into post-retirement income, poverty amongst older people is going to increase on an enormous scale.
Book Synopsis Is Immigration the Answer to the UK's Pension Crisis?. by : David Blake
Download or read book Is Immigration the Answer to the UK's Pension Crisis?. written by David Blake and published by . This book was released on 2003 with total page 9 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Pensions by : Great Britain. Pensions Commission
Download or read book Pensions written by Great Britain. Pensions Commission and published by The Stationery Office. This book was released on 2004 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document summarises the first report by the Pensions Commission, an independent body established by the Government (following the publication of the Pensions Green Paper ("Simplicity, security and choice: working and saving for retirement", Cm 5677, ISBN 0101567723) in December 2002) in order to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes. The report sets out the Commission's detailed analysis of the current situation and trends in place, challenges identified and options for policy responses; and seeks to stimulate a structured, comprehensive fact-based debate about the problems facing Britain's pension system which can contribute to the development of a sustainable pensions policy. The Commission's second report is planned for Autumn 2005 and this will include specific policy recommendations, following a public consultation period to the end of January 2005. The main report ((ISBN 0117027804) and a pack containing the report, appendices and executive summary documents (ISBN 0117027812) are available separately.
Book Synopsis Britain's Pension Crisis by : paul bridgen
Download or read book Britain's Pension Crisis written by paul bridgen and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Pension Revolution by : Keith P. Ambachtsheer
Download or read book Pension Revolution written by Keith P. Ambachtsheer and published by John Wiley & Sons. This book was released on 2011-07-05 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Pension Revolution "When Keith Ambachtsheer puts his keen mind to work on a problem, watch out! Here he exposes today's fragile arrangements for the most serious social dilemma of our times--financing retirement. Then he provides a compelling and powerful set of solutions. His writings are essential reading for all who care about the future of American living standards." --Peter Bernstein, founder and President, Peter L. Bernstein, Inc., and author of Capital Ideas and Against the Gods "This book describes one of the most ingenious inventions in the history of mankind: pension funds offering credible promises about old-age income. It reads like a thriller: how can well-governed pension funds be created in an imperfect world in which mortals wrestle with foibles and moral shortcomings? One of the world's leading experts on pensions searches for the answer--and finds it." --Lans Bovenberg, Scientific Director, Network for Studies on Pensions, Aging, and Retirement, Tilburg University, The Netherlands "Pension Revolution exposes the inadequacies of current pension systems and persuasively makes the case for the fundamental changes that are needed. It is essential reading for both the pension industry and policymakers." --Elizabeth Bryan, Chair, Investment Committee, Unisuper Management PM Ltd, Australia "Most analyses of complicated issues deal with complexity by simplifying or only looking at one piece-part, and, in doing so, provide limited value. In stark contrast, Keith Ambachtsheer boldly wades into the complexity in Pension Revolution to come up with a valuable integrative solution. He is a most welcome revolutionary!" --Roger Martin, Dean, Joseph L. Rotman School of Management, University of Toronto, Canada "We have known Keith for over ten years, and consistently over that time, he has constructively and comprehensively challenged conventional wisdom. He has done this so effectively that many of his initial thoughts have now become universally accepted norms. Such is his energy however that he continues to push the boundaries of pension and investment thinking." --Peter Moon, Chief Investment Officer, Universities Superannuation Scheme Ltd, UK "Pension Revolution not only explains the shortcomings of the existing pension system and the underlying design features that have resulted in the current pension upheaval. It also offers thoughtful and creative suggestions for prospective pension design. A must-read for anyone interested in the future of retirement finance." --James Poterba, Professor of Economics, Massachusetts Institute of Technology and a member of the TIAA-CREF Board of Trustees
Book Synopsis Is There a Pensions Crisis in the U.K.? by : E. Philip Davis
Download or read book Is There a Pensions Crisis in the U.K.? written by E. Philip Davis and published by . This book was released on 2007 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.K. pension system is traditionally seen as offering a good example to other countries, having features such as low social security pension expenditure and a high coverage of well-financed voluntary private schemes. But recent developments suggest that the model has shown weaknesses. The most pressing current issue is underfunding of defined benefit occupational schemes following the bear market; but there is also the ongoing crisis of mis-selling of personal pensions and the failure of the Equitable Life insurance company. In this paper we seek to investigate whether there is indeed a crisis and what the locus of the difficulty is. We find that there are important longer-term weaknesses of the U.K. system as well as these current difficulties, focusing on social security and private pensions. Pitfalls faced by U.K. policymakers offer important lessons to other countries seeking to set up or expand private pension provision.
Book Synopsis Pensions Imperilled by : Craig Berry
Download or read book Pensions Imperilled written by Craig Berry and published by Oxford University Press. This book was released on 2021-01-11 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: Private pensions provision in the UK is in crisis, yet it is not the crisis often depicted in political and popular discourses. While population ageing has affected traditional pensions practice, the imperilment of UK pensions is due in fact to the peculiar way policy-makers have responded to wider social and economic change. Pensions are a mechanism for managing failed futures, yet this function is being impeded by the individualization of provision. This book offers a political economy perspective on the development of private pensions, focusing specifically on how policy elites have sought to respond to perceived crises of demographic change, under-saving, and fund deficits, and in doing so have absorbed imperatives to subject individuals to a market-led regime under the influence of neoliberal ideology. This terrain is explored through chapters on the historical and comparative context of UK pensions provision, the demise of collectivist provision, the rise of pensions individualization and the state's role as facilitator and regulator in this regard, and the financial and economic context in which pensions provision operates. By placing the UK system in a comparative context of pensions reform agendas across the world, this book offers an original understanding of the unique temporality and materiality of pensions provision as a set of mechanisms for coping with generational change and forecast failures in capitalist economies. It also presents a nuanced account of the extent to which the state acts to anchor the process of pensions rematerialization and, crucially, concludes by outlining a coherent and radical programme of progressive pensions reform.
Download or read book CLOSE CALL written by and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A neoliberal revolution? by : Hugh Pemberton
Download or read book A neoliberal revolution? written by Hugh Pemberton and published by Manchester University Press. This book was released on 2024-07-09 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the Thatcher government’s attempt to revolutionise Britain’s pensions system in the 1980s and create a nation of risk-taking savers with an individual stake in capitalism. Drawing upon recently-released archival records, it shows how the ideas motivating these reforms journeyed from the writings of neoliberal intellectuals into government and became the centrepiece of a plan to abolish significant parts of the UK’s welfare state and replace these with privatised personal pensions. Revealing a government that veered between political caution and radicalism, the book explains why this revolution failed and charts the malign legacy left by the evolutionary changes that ministers salvaged from the wreckage of their reforms. The book contributes to understanding of policy change, Thatcherism, and international neoliberalism by showing how major reforms to social security could reflect neoliberal thought and yet profoundly disappoint their architects.
Book Synopsis The Way Out of the Pensions Quagmire by : Philip Booth
Download or read book The Way Out of the Pensions Quagmire written by Philip Booth and published by . This book was released on 2005 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presents an analysis of the problems of pension provision in the UK and a plan for reform. This book proposes a holistic approach to pension reform that takes proper account of the interaction between pensions, tax, social security and financial regulation.
Book Synopsis Is There a Pension Crisis in the UK? by : E. Philip Davis
Download or read book Is There a Pension Crisis in the UK? written by E. Philip Davis and published by . This book was released on 2004 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Politics of Retirement in Britain, 1878-1948 by : John Macnicol
Download or read book The Politics of Retirement in Britain, 1878-1948 written by John Macnicol and published by Cambridge University Press. This book was released on 2002-04-18 with total page 440 pages. Available in PDF, EPUB and Kindle. Book excerpt: A very important and thorough analysis of the debate on retirement and state pensions in Britain.
Book Synopsis Is There a Pensions Crisis in the UK? by :
Download or read book Is There a Pensions Crisis in the UK? written by and published by . This book was released on 2003 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Great Britain. Parliament House of Commons. Work and Pensions Committee Publisher : ISBN 13 :9780215010131 Total Pages :112 pages Book Rating :4.0/5 (11 download)
Book Synopsis Future of UK Pensions by : Great Britain. Parliament House of Commons. Work and Pensions Committee
Download or read book Future of UK Pensions written by Great Britain. Parliament House of Commons. Work and Pensions Committee and published by . This book was released on 2003 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report sets out the findings of the Committee's inquiry into the future of the pensions system in the UK, which was conducted against a background of widespread reporting of a crisis in provision. It finds that although the system is basically sound, there is a crisis of confidence caused by several factors, including such weaknesses as excessive complexity, and a lack of security of private pension funds. Key choices will need to be made in order to ensure that individuals are planning sensibly and confidently for their private pensions, in the knowledge that they have an adequate state pension as a sustainable foundation, particularly lower-paid workers. Progress is being made towards tackling pensioner poverty, such as the introduction of the Pension Credit, but the government needs to develop a consensus on pension reform for the longer term, with improved incentives to save for today's younger workers. Other conclusions drawn include that the state pension age should not be increased beyond 65 years for the present, but this issue should be kept under review.
Book Synopsis The Pension Crisis by : Robert J. Lynn
Download or read book The Pension Crisis written by Robert J. Lynn and published by Free Press. This book was released on 1983 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Challenge of Public Pension Reform in Advanced and Emerging Economies by : Mr.Benedict J. Clements
Download or read book The Challenge of Public Pension Reform in Advanced and Emerging Economies written by Mr.Benedict J. Clements and published by International Monetary Fund. This book was released on 2013-01-25 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension reform is high on the policy agenda of many advanced and emerging market economies. In advanced economies the challenge is generally to contain future increases in public pension spending as the population ages. In emerging market economies, the challenges are often different. Where pension coverage is extensive, the issues are similar to those in advanced economies. Where pension coverage is low, the key challenge will be to expand coverage in a fiscally sustainable manner. This volume examines the outlook for public pension spending over the coming decades and the options for reform in 52 advanced and emerging market economies.
