Private Pensions And Individual Saving

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Private Pensions and Public Policies

Author : William G. Gale
Publisher : Rowman & Littlefield
ISBN 13 : 9780815796428
Total Pages : 428 pages
Book Rating : 4.7/5 (964 download)

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Book Synopsis Private Pensions and Public Policies by : William G. Gale

Download or read book Private Pensions and Public Policies written by William G. Gale and published by Rowman & Littlefield. This book was released on 2004-04-21 with total page 428 pages. Available in PDF, EPUB and Kindle. Book excerpt: The private pension system, together with Social Security, has provided millions of Americans with income security in retirement. But over the past thirty years, pension coverage has stagnated, leaving behind some vulnerable groups. Defined contribution plans have exposed workers to greater investment risk, while cash balance and other hybrid plans may have adverse effects on older workers caught in the transition. Pension regulations, infamous for their complexity, can be bewildering to policy analysts and policymakers. Private Pensions and Public Policies sheds timely and much-needed light on specific issues within the broader context and framework of pension reform. Contributors focus on topics that must be addressed in any reform effort, including the effects of the shift in emphasis toward defined contribution plans (after the 1974 Employee Retirement Income and Security Act) and hybrid plans (from the 1990s); regulatory issues such as nondiscrimination rules and contribution limits; how to increase the information available to participants and improve financial education; how participants in defined contribution plans make choices on questions such as asset allocation, back-loaded versus front-loaded saving, and annuities versus lump sum distributions; and the interaction of the private pension system with Social Security. Contributors include Robert L. Clark (North Carolina State University), Sylvester J. Schieber (Watson Wyatt Worldwide), Richard A. Ippolito (George Mason University School of Law), Alan L. Gustman (Dartmouth College), Thomas L. Steinmeier (Texas Tech University), John Karl Scholz (University of Wisconsin), Dean M. Maki, (JPMorgan Chase), William Even (Miami University of Ohio), Jagadeesh Gokhale (American Enterprise Institute), Laurence J. Kotlikoff (Boston University), Mark J. Warshawsky (TIAA-CREF Institute), Annika Sunden (Boston College), Andrew A. Samwick (Dartmouth College), David A. Wise (Harvard University), Joel Dickson (T

Pensions in the U.S. Economy

Author : Zvi Bodie
Publisher : University of Chicago Press
ISBN 13 : 0226062910
Total Pages : 214 pages
Book Rating : 4.2/5 (26 download)

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Book Synopsis Pensions in the U.S. Economy by : Zvi Bodie

Download or read book Pensions in the U.S. Economy written by Zvi Bodie and published by University of Chicago Press. This book was released on 2008-04-15 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pensions in the U.S. Economy is the fourth in a series on pensions from the National Bureau of Economic Research. For both economists and policymakers, this volume makes a valuable contribution to current research on pensions and the economics of the elderly. The contributors report on retirement saving of individuals and the saving that results from corporate funding of pension plans, and they examine particular aspects of the plans themselves from the employee's point of view. Steven F. Venti and David A. Wise offer a careful analysis of who contributes to IRAs and why. Benjamin M. Friedman and Mark Warshawsky look at the reasons more retirement saving is not used to purchase annuities. Personal saving through pension contribution is discussed by B. Douglas Bernheim and John B. Shoven in the context of recent government and corporate pension funding changes. Michael J. Boskin and John B. Shoven analyze indicators of the economic well-being of the elderly, addressing the problem of why a large fraction of the elderly remain poor despite a general improvement in the economic status of the group as a whole. The relative merits of defined contribution versus defined benefit plans, with emphasis on the risk aspects of the two types of plans for the individual, are examined by Zvi Bodie, Alan J. Marcus, and Robert C. Merton. In the final paper, pension plans and worker turnover are the focus of the discussion by Edward P. Lazear and Robert L. Moore, who propose pension option value rather than the commonly used accrued pension wealth as a measure of pension value.

Forced Saving

Author : Hazel Bateman
Publisher : Cambridge University Press
ISBN 13 : 9780521484718
Total Pages : 278 pages
Book Rating : 4.4/5 (847 download)

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Book Synopsis Forced Saving by : Hazel Bateman

Download or read book Forced Saving written by Hazel Bateman and published by Cambridge University Press. This book was released on 2001-11-20 with total page 278 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Personal Saving, Personal Choice

Author : David A. Wise
Publisher : Hoover Press
ISBN 13 : 9780817997137
Total Pages : 116 pages
Book Rating : 4.9/5 (971 download)

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Book Synopsis Personal Saving, Personal Choice by : David A. Wise

Download or read book Personal Saving, Personal Choice written by David A. Wise and published by Hoover Press. This book was released on 1999 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Future of Private Pension Plans

Author : Norman B. Ture
Publisher : Washington : American Enterprise Institute for Public Policy Research
ISBN 13 :
Total Pages : 148 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The Future of Private Pension Plans by : Norman B. Ture

Download or read book The Future of Private Pension Plans written by Norman B. Ture and published by Washington : American Enterprise Institute for Public Policy Research. This book was released on 1976 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: Monograph on the growth prospects of private pension schemes in the USA - considers the implications for private pension schemes of current trends in inflation, the projected growth of social security, and the costs of conforming to the employee's retirement income security act of 1974 (legal aspects). Graphs, references and statistical tables.

Public Policy Toward Pensions

Author : Sylvester J. Schieber
Publisher : MIT Press
ISBN 13 : 9780262193870
Total Pages : 360 pages
Book Rating : 4.1/5 (938 download)

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Book Synopsis Public Policy Toward Pensions by : Sylvester J. Schieber

Download or read book Public Policy Toward Pensions written by Sylvester J. Schieber and published by MIT Press. This book was released on 1997 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to Schieber and Shoven, pension policy will emerge as one of the key economic issues of the next decade. This book provides a guide to the debate.Public and private pensions control almost a quarter of the United States' tangible wealth--equivalent to all of the country's residential real estate. They account for most current saving in the country, are a crucial component of household retirement resources, and have significant effects on labor market mobility and efficiency. Collectively, they hold a tremendous proportion of all common stock. The stock market has boomed during the past decade, as baby boomers have rapidly accumulated pension assets. Now economists are starting to wonder what will happen when the baby boomers retire. It is already clear that the Social Security system will require drastic changes to remain solvent. Will the stock market experience a similar meltdown as baby boomers withdraw their assets from pension plans? What policies might help to avoid such a crisis? According to Schieber and Shoven, pension policy will emerge as one of the key economic issues of the next decade. This book provides a guide to the debate. Topics include the impact of pensions on personal and national saving, the potential for a Pension Benefit Guarantee Corporation financial crisis, the dramatic growth in 401(k) plans, public sector plants, the prospects for adequate retirement income in the future, and recommended directions for pension policies. The book contains ten chapters, four written by Schieber and Shoven.ContributorsRobert Clark, Ping-Lung Hsin, Olivia Mitchell, James Poterba, Andrew Samwick, Jonathan Skinner, Steven Venti, Carolyn Weaver, David Wise, and Elisa Wolper.

Social Security and Private Pensions

Author : Susan M. Wachter
Publisher : Free Press
ISBN 13 :
Total Pages : 264 pages
Book Rating : 4.:/5 (43 download)

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Book Synopsis Social Security and Private Pensions by : Susan M. Wachter

Download or read book Social Security and Private Pensions written by Susan M. Wachter and published by Free Press. This book was released on 1988 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Private Pensions

Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781976387975
Total Pages : 66 pages
Book Rating : 4.3/5 (879 download)

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Book Synopsis Private Pensions by : United States Government Accountability Office

Download or read book Private Pensions written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-15 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last 25 years, pension coverage has shifted primarily from "traditional" defined benefit (DB) plans, in which workers accrue benefits based on years of service and earnings, toward defined contribution (DC) plans, in which participants accumulate retirement balances in individual accounts. DC plans provide greater portability of benefits, but shift the responsibility of saving for retirement from employers to employees. This report addresses the following issues: (1) What percentage of workers participate in DC plans, and how much have they saved in them? (2) How much are workers likely to have saved in DC plans over their careers and to what degree do key individual decisions and plan features affect plan saving? (3) What options have been recently proposed to increase DC plan coverage, participation, and savings? GAO analyzed data from the Federal Reserve Board's 2004 Survey of Consumer Finances (SCF), the latest available, utilized a computer simulation model to project DC plan balances at retirement, reviewed academic studies, and interviewed experts.

Private Pensions and Individual Saving

Author : George Katona
Publisher :
ISBN 13 :
Total Pages : 140 pages
Book Rating : 4.:/5 (38 download)

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Book Synopsis Private Pensions and Individual Saving by : George Katona

Download or read book Private Pensions and Individual Saving written by George Katona and published by . This book was released on 1965 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Public Policies and Household Saving

Author : James M. Poterba
Publisher : University of Chicago Press
ISBN 13 : 0226676293
Total Pages : 216 pages
Book Rating : 4.2/5 (266 download)

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Book Synopsis Public Policies and Household Saving by : James M. Poterba

Download or read book Public Policies and Household Saving written by James M. Poterba and published by University of Chicago Press. This book was released on 2007-12-01 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The declining U.S. national saving rate has prompted economists and policymakers to ask, should the federal government encourage household saving, and if so, through which policies? In order to better understand saving programs, this volume provides a systematic and detailed description of saving policies in the G-7 industrialized nations: the United States, Canada, France, Germany, Italy, Japan, and the United Kingdom. Each of the seven chapters focuses on one country and addresses a core set of topics: types of accumulated household savings and debt; tax policies toward capital income; saving in the form of public and private pensions, including Social Security and similar programs; saving programs that receive special tax treatment; and saving through insurance. This detailed summary of the saving incentives of the G-7 nations will be an invaluable reference for policymakers and academics interested in personal saving behavior.

Retirement Income

Author : United States. General Accounting Office
Publisher :
ISBN 13 :
Total Pages : 62 pages
Book Rating : 4.:/5 (6 download)

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Book Synopsis Retirement Income by : United States. General Accounting Office

Download or read book Retirement Income written by United States. General Accounting Office and published by . This book was released on 1997 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Assessing Policies for Retirement Income

Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309175194
Total Pages : 256 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Assessing Policies for Retirement Income by : National Research Council

Download or read book Assessing Policies for Retirement Income written by National Research Council and published by National Academies Press. This book was released on 1997-02-06 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Retirement income implications of demographic trends for social security and pension reform : report to the chairman and ranking minority member, Special Committee on Aging, U.S. Senate

Download Retirement income implications of demographic trends for social security and pension reform : report to the chairman and ranking minority member, Special Committee on Aging, U.S. Senate PDF Online Free

Author :
Publisher : DIANE Publishing
ISBN 13 : 1428978984
Total Pages : 60 pages
Book Rating : 4.4/5 (289 download)

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Book Synopsis Retirement income implications of demographic trends for social security and pension reform : report to the chairman and ranking minority member, Special Committee on Aging, U.S. Senate by :

Download or read book Retirement income implications of demographic trends for social security and pension reform : report to the chairman and ranking minority member, Special Committee on Aging, U.S. Senate written by and published by DIANE Publishing. This book was released on with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:

U.S. Private Saving and the Tax Treatment of IRA/401(k)s

Author : Mr.Alun H. Thomas
Publisher : International Monetary Fund
ISBN 13 : 1451850972
Total Pages : 30 pages
Book Rating : 4.4/5 (518 download)

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Book Synopsis U.S. Private Saving and the Tax Treatment of IRA/401(k)s by : Mr.Alun H. Thomas

Download or read book U.S. Private Saving and the Tax Treatment of IRA/401(k)s written by Mr.Alun H. Thomas and published by International Monetary Fund. This book was released on 1996-08-01 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: The effect of the tax treatment of IRA/401(k)s on U.S. personal saving is examined using household survey data from the Survey of Consumer Finances. The results suggest that the tax treatment of IRA/401(k)s encouraged households to increase the share of assets held in the form of pension savings, at the expense of saving in the form of housing equity. Some evidence also was found to suggest that the tax treatment of pension savings similarly affected the flow of saving. In particular, the data appeared to reject the hypothesis that the tax treatment of IRA/401(k)s increased total personal saving.

Financial Incentives and Retirement Savings

Author : OECD
Publisher : OECD Publishing
ISBN 13 : 9264306927
Total Pages : 298 pages
Book Rating : 4.2/5 (643 download)

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Book Synopsis Financial Incentives and Retirement Savings by : OECD

Download or read book Financial Incentives and Retirement Savings written by OECD and published by OECD Publishing. This book was released on 2018-12-03 with total page 298 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are tax incentives the best way to encourage people to save for retirement? This publication assesses whether countries can improve the design of financial incentives to promote savings for retirement. After describing how different countries design financial incentives to promote savings for ...

Private Pensions

Author :
Publisher :
ISBN 13 : 9781604569186
Total Pages : 0 pages
Book Rating : 4.5/5 (691 download)

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Book Synopsis Private Pensions by :

Download or read book Private Pensions written by and published by . This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last 25 years, pension coverage has shifted primarily from 'traditional' defined benefit (DB) plans, in which workers accrue benefits based on years of service and earnings, toward defined contribution (DC) plans, in which participants accumulate retirement balances in individual accounts. DC plans provide greater portability of benefits, but shift theresponsibility of saving for retirement from employers to employees. This book addresses the following issues: What percentage of workers participate in DC plans, and how much have they saved in them? How much are workers likely to have saved in DC plans over their careers and to what degree do key individual decisions and plan features affect plan saving? What options have been recently proposed to increase DC plan coverage, participation, and savings?GAO analysed data from the Federal Reserve Board's 2004 Survey of Consumer Finances (SCF), the latest available, utilised a computer simulation model to project DC plan balances at retirement, reviewed academic studies, and interviewed experts. This is an excerpted and indexed version.

The Effect of Social Security on Personal Saving

Author : Alicia Haydock Munnell
Publisher : Cambridge, Mass. : Ballinger Publishing Company
ISBN 13 : 9780884102632
Total Pages : 168 pages
Book Rating : 4.1/5 (26 download)

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Book Synopsis The Effect of Social Security on Personal Saving by : Alicia Haydock Munnell

Download or read book The Effect of Social Security on Personal Saving written by Alicia Haydock Munnell and published by Cambridge, Mass. : Ballinger Publishing Company. This book was released on 1974 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Monograph on the impact of the social security and old age benefit programme on personal saving for retirement in the USA - includes the research methodology. Bibliography pp. 133 to 136, references and statistical tables.