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Author : Hazel Bateman
Publisher :
ISBN 13 :
Total Pages : 37 pages
Book Rating : 4.:/5 (255 download)
Download or read book Choices and Constraints Over Retirement Income Streams written by Hazel Bateman and published by . This book was released on 2007 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Bill Griffith, Jr.
Publisher : W E Griffith Publications
ISBN 13 : 9780978550608
Total Pages : 212 pages
Book Rating : 4.5/5 (56 download)
Download or read book Securing a Retirement Income for Life written by Bill Griffith, Jr. and published by W E Griffith Publications. This book was released on 2006 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: How much you need to finance your retirement depends on how well you want to live and the expected length of your retirement life. Do you want to maintain or increase your standard of living? Do you want to start a new business, provide financial help to family members or engage in a new hobby or activity? How much you need to accumulate depends on the lifestyle you envision. Securing a Retirement Income for Life will show you how much you need to accumulate to provide a retirement income for life and how to implement the very best strategies for managing, protecting and preserving your wealth. The interactive nature of this new book will show you how to go about planning to meet your retirement needs and objectives and how best to prepare for uncertainties when the future is unknown. For many people, retirement may represent the longest stage of their life. It is a time when they can look forward to a whole new range of exciting challenges and activities - to experience their own vision - with the same passion, excitement and sense of accomplishment they had during the first part of their life. Along with a much longer life, however, comes more complex and much more expensive financial challenges. This book will help you prepare for the many challenges and uncertainties that lie ahead as you approach retirement and during your retirement years, such as the potential risk of outliving your money. The shift away from defined benefit plans to defined contribution plans is a trend that has revolutionized retirement planning by placing more of the responsibility for saving on the individual. Since fewer retirees in the future can expect to receive a steady stream of income from employer provided defined benefit plans, individuals will have to rely more on their own resources for a much higher percentage of their retirement income. According to author and Certified Financial Planner practitioner, Bill Griffith, Jr., CFP, "people are faced with having to make serious decisions about how to manage their company retirement plan, how much to contribute, how to invest their money and what to do with their vested balance after they retire." "They need to have a plan based on clear and accurate information to help them make decisions about when to retire, how long they can expect to live in retirement, how much they need to accumulate and how to manage their funds throughout their retirement years." The investment needed to finance retirement depends on an accurate forecast of expenditures and rate of return assumptions well into the future. The uncertainty of traditional return assumptions and rising healthcare costs are both significant risks in retirement and can have a tremendous impact on retirement savings and security. Decisions about when to retire, how long you can expect to live in retirement and how much you need to accumulate are complicated by an ever changing set of circumstances. Throughout this book, the author emphasizes a process-driven approach for facing these and other critical issues in retirement. You will learn about the proper methods for managing retirement funds and how to protect against the risk of funding long-term liabilities. Meeting financial obligations through an investment-based approach is only one part of the process. Securing a Retirement Income for Life will show you how to use a combination of methods to assure that your retirement income will last for life.
Author : Jay Leigeber
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781507874738
Total Pages : 0 pages
Book Rating : 4.8/5 (747 download)
Download or read book Harder Working Money written by Jay Leigeber and published by Createspace Independent Publishing Platform. This book was released on 2015-02-24 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 95% of retirement plans are broken-3 things you need to know to fix yours.Less than 5% of Baby Boomers nearing retirement are positioned to fund the lifestyle they desire throughout the remainder of their lives...yet financial freedom is within most people's grasp. Many realize they are not on plan and are fearful they will outlive their retirement savings. If you are in this situation I have a positive message to share. This book advocates a very different approach to funding retirement focused on passive income streams rather than equity accumulation. When you choose to get off the Wall Street roller coaster, your plan can be capitalized in 5-10 years rather than 30-40 that the slow compounding approach requires.The purpose of this book is threefold: To comprehend the benefits of recurring streams of passive income, which fund lifestyle expenses, rather than striving to accumulate a large account balance for retirement. A portfolio of recurring cash flow assets can fully fund your retirement in less than one-third of the time! To discover the power of privately structured investments. You too can participate in advantaged opportunities with greater returns, while at the same time reducing risks, paying lower taxes and fewer fees. Efficiency matters greatly in attaining true prosperity. To clarify how little-known but powerful financial strategies enable you to maximize the efficiency of the money that flows through your life. It's not what you make but what you keep and how fast it grows that really matters. In my experience, these three strategies support people being able to live the lifestyle they desire in the near term, as well as safely funding retirement to maintain that lifestyle as long as they live. Harder Working Money allows stress free living.There is no single perfect investment vehicle or plan that is ideal for everyone, and this book does not promote any single solution. Your best plan must correspond to your personal situation, personality traits and goals. However, once you clearly identify the benefits you are seeking and align the right array of financial vehicles, accomplishing your plan can be much easier, quicker and more certain. This book is about understanding new options that may free you from the bondage of sub-optimal, constrained choices.My definition of financial freedom is all about having the time and resources to enjoy life on your own terms. This does not need to be about accumulating a lot of material things or a huge bank account. Rather, true freedom is enabling the choice of whatever you desire without undue limitation by the cost...because your family is able to afford the choices that bring them true joy.This book is as much about new questions to ask as it is about answers. I believe the quality of questions you ask and the precision of the answers you generate over time will determine your success in achieving prosperity. My attempt is to help you reframe your perspective on achieving financial freedom, so you can develop a personalized plan, and the next decade can be an experience of purposeful growth toward specific ends, rather than floundering in a confusing context.
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309261961
Total Pages : 230 pages
Book Rating : 4.3/5 (92 download)
Download or read book Aging and the Macroeconomy written by National Research Council and published by National Academies Press. This book was released on 2013-01-10 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : Mukul G. Asher
Publisher : Routledge
ISBN 13 : 1317510666
Total Pages : 289 pages
Book Rating : 4.3/5 (175 download)
Download or read book Strengthening Social Protection in East Asia written by Mukul G. Asher and published by Routledge. This book was released on 2015-04-10 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on relatively unexplored areas in pension and health care arrangements, including financing, in East Asia. The book aims to fill the literature gap on social protection in East Asia by covering issues such as pension and health care arrangements in the depopulating high income countries of Japan and Korea; the challenges of the pay-out phase in Defined Contribution (DC) arrangements in Australia, New Zealand, and Singapore; and the extension of coverage of social protection schemes in China, India, and Indonesia. It also reviews social protection from a much wider perspective and extends coverage of social protection in terms of both the proportion of the population with access to the social protection scheme and the types of risks faced by the households and by society as a whole. The book also gives attention to reforms of civil service pensions.
Author : George Loewenstein
Publisher : Russell Sage Foundation
ISBN 13 : 1610443659
Total Pages : 424 pages
Book Rating : 4.6/5 (14 download)
Download or read book Choice Over Time written by George Loewenstein and published by Russell Sage Foundation. This book was released on 1992-10-27 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many of our most urgent national problems suggest a widespread lack of concern for the future. Alarming economic conditions, such as low national savings rates, declining corporate investment in long-term capital projects, and ballooning private and public debt are matched by such social ills as diminished educational achievement, environmental degradation, and high rates of infant mortality, crime, and teenage pregnancy. At the heart of all these troubles lies an important behavioral phenomenon: in the role of consumer, manager, voter, student, or parent, many Americans choose inferior but immediate rewards over greater long-term benefits. Choice Over Time offers a rich sampling of original research on intertemporal choice—how and why people decide between immediate and delayed consequences—from a broad range of theoretical and methodological perspectives in philosophy, political science, psychology, and economics. George Loewenstein, Jon Elster, and their distinguished colleagues review existing theories and forge new approaches to understanding significant questions: Why do people seem to "discount" future benefits? Do individuals use the same decision-making strategy in all aspects of their lives? What part is played by situational factors such as the certainty of delayed consequences? How are decisions affected by personal factors such as willpower and taste? In addressing these issues, the contributors to Choice Over Time address many social, economic, psychological, and personal time problems. Their work demonstrates the predictive power of short-term preferences in behavior as varied as addiction and phobia, the effect of prices on consumption, and the dramatic rise in debt and decline in savings. Choice Over Time provides an essential source for the most recent research and theory on intertemporal choice, offering new models for time preference patterns—and their aberrations—and presenting a diversity of potential solutions to the problem of "temporal myopia."
Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0199273391
Total Pages : 315 pages
Book Rating : 4.1/5 (992 download)
Download or read book Pension Design and Structure written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2004-07-15 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employees are being given more and more decisions to make with regards to their pension and healthcare plans. Yet increasing research in the social sciences shows that the decisions 'real' people make are not those of the thoughtful and well-informed economic agent often portrayed in economic research, but are often based on flawed information and made without a full understanding of their financial implications. The contributors to Pension Design and Structure explore theassumptions behind commonly-held theories of retirement decision-making, and the consequences of the growing volume of research in behavioural finance and economics for the field of pension research. Contributors are drawn from a variety of disciplines, and include leading pensions experts.
Author : OECD
Publisher : OECD Publishing
ISBN 13 : 9264680160
Total Pages : 210 pages
Book Rating : 4.2/5 (646 download)
Download or read book OECD Pensions Outlook 2020 written by OECD and published by OECD Publishing. This book was released on 2020-12-07 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2020 edition of the OECD Pensions Outlook examines a series of policy options to help governments improve the sustainability and resilience of pension systems.
Author : David Kiefer
Publisher : Springer Science & Business Media
ISBN 13 : 3642605648
Total Pages : 261 pages
Book Rating : 4.6/5 (426 download)
Download or read book Macroeconomic Policy and Public Choice written by David Kiefer and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book considers the connections between macroeconomics and government politics. The central idea is the existence of a political economic equilibrium in which the government acts to dampen the business cycle. Special attention is given to relevant data and to the possibility of hypothesis testing. This is a revised and extended study edition that is updated to include topics such as political business cycles, government debt, and deficit and social security.
Author : Michael Sherraden
Publisher : Routledge
ISBN 13 : 1315288354
Total Pages : 309 pages
Book Rating : 4.3/5 (152 download)
Download or read book Assets and the Poor written by Michael Sherraden and published by Routledge. This book was released on 2016-09-16 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.
Author : Cathal O'Donoghue
Publisher : Oxford University Press
ISBN 13 : 0198852878
Total Pages : 319 pages
Book Rating : 4.1/5 (988 download)
Download or read book Practical Microsimulation Modelling written by Cathal O'Donoghue and published by Oxford University Press. This book was released on 2021 with total page 319 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Practical Microsimulation Modelling' brings together a description and examples of the main methods used in microsimulation modelling used in the field of income distribution analysis. It is structured to develop and use the different types of models used in the field, with a focus on household targeted policy.
Author : Ingrid Muenstermann
Publisher : BoD – Books on Demand
ISBN 13 : 1839624760
Total Pages : 156 pages
Book Rating : 4.8/5 (396 download)
Download or read book Who Wants to Retire and Who Can Afford to Retire? written by Ingrid Muenstermann and published by BoD – Books on Demand. This book was released on 2020-12-09 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: Worldwide life expectancy has increased and, as such, this book examines different aspects of aging from societal and political perspectives. Written by reputable academics working at universities around the world (Australia, New Zealand, Portugal, Taiwan, Tanzania, Russia), this book takes a kaleidoscope view of how different societies handle their aging population.
Author : Martin David
Publisher : University of Chicago Press
ISBN 13 : 0226137287
Total Pages : 536 pages
Book Rating : 4.2/5 (261 download)
Download or read book Horizontal Equity, Uncertainty, and Economic Well-being written by Martin David and published by University of Chicago Press. This book was released on 2009-02-15 with total page 536 pages. Available in PDF, EPUB and Kindle. Book excerpt: The result of a National Bureau of Economic Research Income and Wealth conference held in December 1983, this volume looks at the concept of "economic well-being" and the ways that analysts have tried to measure it. In addition to income, economists have begun to consider such factors as pensions, wealth, health, and environment when measuring the well-being of a particular group. They have also begun to measure how consumers respond, successfully or unsuccessfully, to such economic uncertainties as inflation, divorce, and retirement. Using new data and techniques, the contributors to this book concentrate on issues of uncertainty and horizontal equity (the equal treatment of individuals within a defined group). Their work points to better ways of determining how various groups in a society are faring relative to other groups. Economists and policy analysts, therefore, will be in a better position to determine how government programs should be applied when well-being is used as a test.
Author : Trudie Schils
Publisher : Rozenberg Publishers
ISBN 13 : 9036100275
Total Pages : 236 pages
Book Rating : 4.0/5 (361 download)
Download or read book Early Retirement Patterns in Europe written by Trudie Schils and published by Rozenberg Publishers. This book was released on 2005 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The research in this dissertation is targeted at revealing the similarities and differences in European early retirement institutions, including unemployment and disability schemes. In addition, using longitudinal data from a large number of European countries, the determinants of early retirement decisions are analysed empirically and the role played by institutions is surveyed. This research shows that both less tight entitlement conditions and high generosity of early retirement schemes exert a disincentive effect on staying in work for the older worker."--Back page.
Author : Frank K. Reilly
Publisher : Cengage AU
ISBN 13 : 0170416038
Total Pages : 1062 pages
Book Rating : 4.1/5 (74 download)
Download or read book Investment Analysis & Portfolio Management written by Frank K. Reilly and published by Cengage AU. This book was released on 2019-11-19 with total page 1062 pages. Available in PDF, EPUB and Kindle. Book excerpt: This first Asia-Pacific edition of Reilly/Brown’s Investment Analysis and Portfolio Management builds on the authors’ strong reputations for combining solid theory with practical application and has been developed especially for courses across the Australia, New Zealand, and Asia-Pacific regions. The real-world illustrations and hands-on activities enhance an already rigourous, empirical approach to topics such as investment instruments, capital markets, behavioural finance, hedge funds, and international investment. The text also emphasises how investment practice and theory are influenced by globalisation.
Author : Frank Denton
Publisher : UBC Press
ISBN 13 : 077484065X
Total Pages : 391 pages
Book Rating : 4.7/5 (748 download)
Download or read book Independence and Economic Security in Old Age written by Frank Denton and published by UBC Press. This book was released on 2011-11-01 with total page 391 pages. Available in PDF, EPUB and Kindle. Book excerpt: As boomers move towards retirement the phenomenon of "population aging" has become a much-publicized issue. Independence and Economic Security in Old Age focuses on the economic and social implications of aging at the level of the individual and of society as a whole. The product of a three-year research program, the book contains chapters by recognized experts in the fields of economics and econometrics, sociology, social work, medicine, epidemiology, gerontology, and nursing.
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309055474
Total Pages : 288 pages
Book Rating : 4.3/5 (9 download)
Download or read book Assessing Knowledge of Retirement Behavior written by National Research Council and published by National Academies Press. This book was released on 1996-08-30 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
