Recreating Sustainable Retirement

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Recreating Sustainable Retirement

Author : Olivia S. Mitchell
Publisher : OUP Oxford
ISBN 13 : 0191029971
Total Pages : 337 pages
Book Rating : 4.1/5 (91 download)

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Book Synopsis Recreating Sustainable Retirement by : Olivia S. Mitchell

Download or read book Recreating Sustainable Retirement written by Olivia S. Mitchell and published by OUP Oxford. This book was released on 2014-10-16 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial crisis and the ensuing Great Recession alerted those seeking to protect old-age security, about the extreme risks confronting the financial and political institutions comprising our retirement system. The workforce of today and tomorrow must count on longer lives and deferred retirement, while at the same time it is taking on increased responsibility for managing retirement risk. This volume explores new ways to think about, manage, and finance longevity risk, capital market risk, model risk, and regulatory risk. This volume offers an in-depth analysis of the 'black swans' that threaten private and public pensions around the world. Capital market shocks, surprises to longevity, regulatory/political risk, and errors in modelling, will all have profound consequences for stakeholders ranging from pension plan participants, plan sponsors, policymakers, and those who seek to make retirement more resistant. This book analyzes such challenges to retirement sustainability, and it explores ways to better manage and finance them. Insights provided help build retirement systems capable of withstanding what the future will bring.

Recreating Sustainable Retirement

Author : Olivia S. Mitchell
Publisher :
ISBN 13 : 0198719248
Total Pages : 337 pages
Book Rating : 4.1/5 (987 download)

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Book Synopsis Recreating Sustainable Retirement by : Olivia S. Mitchell

Download or read book Recreating Sustainable Retirement written by Olivia S. Mitchell and published by . This book was released on 2014 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial crisis and the ensuing Great Recession alerted those seeking to protect old-age security, about the extreme risks confronting the financial and political institutions comprising our retirement system. The workforce of today and tomorrow must count on longer lives and deferred retirement, while at the same time it is taking on increased responsibility for managing retirement risk. This volume explores new ways to think about, manage, and finance longevity risk, capital market risk, model risk, and regulatory risk. The book offers an in-depth analysis of the 'black swans' that threaten private and public pensions around the world such as capital market shocks, surprises to longevity, regulatory/political risk, and errors in modelling, will all have profound consequences for stakeholders ranging from pension plan participants, plan sponsors, policymakers, and those who seek to make retirement more resistant. This book analyzes such challenges to retirement sustainability, and it explores ways to better manage and finance them. Insights provided help build retirement systems capable of withstanding what the future will bring.

Recreating Retirement Sustainability

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

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Book Synopsis Recreating Retirement Sustainability by : Olivia S. Mitchell

Download or read book Recreating Retirement Sustainability written by Olivia S. Mitchell and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial crisis and the ensuring Great Recession have alerted those concerned with old-age security to the extreme risk confronting our retirement system. In this volume, we provide an in-depth analysis of the 'black swans' threatening pension plans around the world. Longevity risk, capital market shocks, regulatory and political risk, and model risk all have profound consequences for pension plan participants, plan sponsors, regulators, and consultants. This book also sketches various ways to manage and finance these risks, with a view to rebuilding a more resilient retirement system. In particular, the ensuing chapters take on longevity risk, capital market risk, model risk, and regulatory risk.

The Silent Retirement Crisis

Author : Cindy Couyoumjian
Publisher : Greenleaf Book Group
ISBN 13 :
Total Pages : 257 pages
Book Rating : 4.8/5 (864 download)

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Book Synopsis The Silent Retirement Crisis by : Cindy Couyoumjian

Download or read book The Silent Retirement Crisis written by Cindy Couyoumjian and published by Greenleaf Book Group. This book was released on 2023-10-31 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.

Sustainable Retirement

Author : Michael E. Drew
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Sustainable Retirement by : Michael E. Drew

Download or read book Sustainable Retirement written by Michael E. Drew and published by . This book was released on 2003 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Pension Funds and Sustainable Investment

Author :
Publisher : Oxford University Press
ISBN 13 : 0192889214
Total Pages : 273 pages
Book Rating : 4.1/5 (928 download)

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Book Synopsis Pension Funds and Sustainable Investment by :

Download or read book Pension Funds and Sustainable Investment written by and published by Oxford University Press. This book was released on 2023-04-15 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Since its green shoots first emerged around 50 years ago, acceptance of environmental, social, and governance (ESG) considerations in institutional investing-especially at pension funds-has evolved with distinct shifts in investor preferences. This Pension Research Council volume traces these shifts and their implications, leading up to the present day. The book notes that investors have diverse reasons for devoting attention to ESG criteria when deciding where to invest their money. Some had religious motives, such as Quakers who focused on values; this approach can offer some risk mitigation. Nevertheless, studies that look at whether divestment actually changes companies' behaviors show that this rarely occurs. Accordingly, this book offers a variety of distinct viewpoints from a variety of countries, on whether, how, and when ESG criteria should, and should not, drive pension fund investments. The authors also find that policymakers should consider fund consolidation in private sector retirement systems, along with whether service-provider incentives could be better be aligned with sustainability incentives. For instance, boosting transparency in these markets would help generate better-informed policies, while providing beneficiaries with information relevant to their savings choices.

Getting on Track for a Sustainable Retirement

Author : Wade D. Pfau
Publisher :
ISBN 13 :
Total Pages : 16 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Getting on Track for a Sustainable Retirement by : Wade D. Pfau

Download or read book Getting on Track for a Sustainable Retirement written by Wade D. Pfau and published by . This book was released on 2015 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: The aim of traditional retirement planning is to set a wealth accumulation target for your retirement date so that your desired expenditures can be obtained using a "safe" withdrawal rate. But it is quite difficult to know if you are making progress toward this target. Volatility over short periods of time strongly limits the usefulness of using your current wealth accumulation at ten or even five years before retirement to predict your final retirement wealth. Fortunately, it is not necessary to focus on a retirement wealth accumulation target. The accumulation and retirement phases should not be treated separately in this way. This paper outlines a framework for considering if someone in mid-career is on track for a sustainable retirement. It investigates what combinations of savings rates and years of continued work would have allowed someone to have always accumulated enough by retirement to afford one's desired retirement expenditures in all of the rolling periods from the historical data. A strategy is "safe" if it worked in the worst-case offered thus far by history. I consider a 55 year old as a case study to show what savings rate will be needed to retire 10 years later, or how much longer one should work with a variety of other savings rates. Results are shown for a wide variety of situations. These findings can potentially serve as a reality check about the sustainability of one's retirement plans.

Real-World Shocks and Retirement System Resiliency

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0198894155
Total Pages : 334 pages
Book Rating : 4.1/5 (988 download)

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Book Synopsis Real-World Shocks and Retirement System Resiliency by : Olivia S. Mitchell

Download or read book Real-World Shocks and Retirement System Resiliency written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2024-01-07 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Growing awareness of real-world shocks including market downturns, health surprises, and labor market readjustment is calling into question the ability of global retirement systems to remain healthy and sustain future retirees. Financial and labor market stresses are shaping how older workers fare as they head into retirement, and how younger workers must prepare financially for their futures. These shocks come on top of long-standing concerns surrounding rising longevity, along with the adequacy and sustainability of public and private benefit systems. This volume explores how these challenges will drive the need for new policy drawing on perspectives of senior and new researchers to the field, as well as exciting new datasets.

Remaking Retirement

Author : Olivia Mitchell
Publisher : Oxford University Press
ISBN 13 : 019263755X
Total Pages : 305 pages
Book Rating : 4.1/5 (926 download)

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Book Synopsis Remaking Retirement by : Olivia Mitchell

Download or read book Remaking Retirement written by Olivia Mitchell and published by Oxford University Press. This book was released on 2020-10-24 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the types of debt and reasons for debt incurred by the older population, and review policies to remedy some of the financial problems facing older persons, in the US and elsewhere. The authors explore which groups are most affected by debt and identify the factors producing this important increase in leverage at older ages. It is clear that the economic and market environment is influential when it comes to saving and debt. Access to easy borrowing, low interest rates, and the rising cost of education have had significant impacts on how much people borrow, and how much debt they carry at older ages. In this environment, the capacity to manage debt is ever more important as older workers lack the opportunity to recover from mistakes.

Financial Decision Making and Retirement Security in an Aging World

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0198808038
Total Pages : 249 pages
Book Rating : 4.1/5 (988 download)

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Book Synopsis Financial Decision Making and Retirement Security in an Aging World by : Olivia S. Mitchell

Download or read book Financial Decision Making and Retirement Security in an Aging World written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2017 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume will explore how financial decision-making changes at older ages, how and when financial advice can be useful for the older population, and what solutions and opportunities are needed to resolve the likely problems that will arise.

Retirement System Risk Management

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0192512323
Total Pages : 242 pages
Book Rating : 4.1/5 (925 download)

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Book Synopsis Retirement System Risk Management by : Olivia S. Mitchell

Download or read book Retirement System Risk Management written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2016-11-10 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the wake of the worst financial crisis since the Great Depression, lawmakers and regulators around the world have changed the playbook for how banks and other financial institutions must manage their risks and report their activities. The US Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the European System of Financial Supervision (ESFS) is also crafting a framework to supervise regulated financial sector institutions including banks, insurers, pension funds, and asset managers. The implosion of the financial sector has also prompted calls for accounting changes from those seeking to better understand how assets and liabilities are reported. Initially banks were seen by many as the most important focus for regulatory reform, but other institutions are now attracting policymaker attention. There is logic to this in terms of managing systemic risk and ensuring a level playing field that avoids arbitrage between institutional structures. Yet the nature of pension and insurer liabilities is so different from that of bank liabilities that careful attention is needed in drafting appropriate rules. The new rules are having both direct and spill-over effects on retirement systems around the world. The first half of this volume undertakes an assessment of how global responses to the financial crisis are potentially altering how insurers, pension plan sponsors, and policymakers will manage risk in the decades to come. The second half evaluates developments in retirement saving and retirement products, to determine which and how these might help meet shortfalls in retirement provision.

Reimagining Pensions

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0198755449
Total Pages : 381 pages
Book Rating : 4.1/5 (987 download)

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Book Synopsis Reimagining Pensions by : Olivia S. Mitchell

Download or read book Reimagining Pensions written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2016 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 1964 termination of the Studebaker Corporation's pension plan wiped out or significantly reduced the pensions of thousands of the automaker's employees and retirees. In response, the US Congress passed the 1974 Employee Retirement Income Security Act (ERISA), a monumental and revolutionary piece of legislation crafted to address corporate pension underfunding. The bill also set new rules regarding defined benefit (DB) and other retirement plans, and it established the Pension Benefit Guaranty Corporation as a government-run insurer to serve as a backdrop to U.S. corporate pensions. Despite the bill's far-ranging scope, in the decades since its passage, it has become evident that ERISA failed to achieve many of its intended objectives. The corporate pension scene today is in turmoil, and most private employers have terminated or frozen their traditional DB plans. In their place, employers are increasingly substituting defined contribution (DC) retirement saving plans, which pose a new set of responsibilities on employees and their firms. This volume investigates how and why traditional approaches to pension risk management have failed, and we also explore the new mechanisms required to strengthen retirement security for the future. Lessons from international experience are also included, ranging from Singapore to Switzerland, and the Netherlands to Australia.

New Models for Managing Longevity Risk

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0192859803
Total Pages : 353 pages
Book Rating : 4.1/5 (928 download)

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Book Synopsis New Models for Managing Longevity Risk by : Olivia S. Mitchell

Download or read book New Models for Managing Longevity Risk written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2022 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Notwithstanding the terrible price the world has paid in the coronavirus pandemic, the fact remains that longevity at older ages is likely to continue to rise in the medium and longer term. This volume explores how the private and public sectors can collaborate via public-private partnerships (PPPs) to develop new mechanisms to reduce older people's risk of outliving their assets in later life. As this volume shows, PPPs typically involve shared government financing alongside private sector partner expertise, management responsibility, and accountability. In addition to offering empirical evidence on examples where this is working well, contributors provide case studies, discuss survey results, and examine a variety of different financial and insurance products to better meet the needs of the aging population. This volume will be informative to researchers, plan sponsors, students, and policymakers seeking to enhance retirement plan offerings.

Is Retirement Sustainable?

Author : Philip H. Bowers
Publisher :
ISBN 13 : 9781899872527
Total Pages : 24 pages
Book Rating : 4.8/5 (725 download)

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Book Synopsis Is Retirement Sustainable? by : Philip H. Bowers

Download or read book Is Retirement Sustainable? written by Philip H. Bowers and published by . This book was released on 1996 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Re-creating Neighborhoods for Successful Aging

Author : Pauline S. Abbott
Publisher :
ISBN 13 :
Total Pages : 292 pages
Book Rating : 4.3/5 (97 download)

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Book Synopsis Re-creating Neighborhoods for Successful Aging by : Pauline S. Abbott

Download or read book Re-creating Neighborhoods for Successful Aging written by Pauline S. Abbott and published by . This book was released on 2009 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Re-creating Neighborhoods for Successful Aging provides a crucial foundation for confronting the growing aging population's demands for appropriate housing and environments. This current demographic shift is causing a transformation of attitudes and perspectives about growing older, retirement, and senior housing. To ensure that physical environments meet the changing needs of older adults, a reconception of housing, communities, and neighborhoods is required." "Drawing from the fields of gerontology, health sciences, community planning, landscape architecture, and environmental design, this groundbreaking resource provides an in-depth examination of current elder housing practices and strategies, alongside goals for the future. Housing models, such as continuing care retirement communities (CCRCs), shared housing, and co-housing, are evaluated, and best practice recommendations are presented." "The book closes with an inspiring look at opportunities for future collaboration of health sciences and planning and design professionals for the realization of supportive, life-affirming communities thai will result in healthy aging, active living, and continued community participation for older adults."--BOOK JACKET.

The Retirement Reformation

Author : Bruce Bruinsma
Publisher : WestBow Press
ISBN 13 : 1973661748
Total Pages : 213 pages
Book Rating : 4.9/5 (736 download)

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Book Synopsis The Retirement Reformation by : Bruce Bruinsma

Download or read book The Retirement Reformation written by Bruce Bruinsma and published by WestBow Press. This book was released on 2019-06-07 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Retirement Reformation will change the way we think about what our culture calls retirement. While acknowledging the reality of longevity, Bruce Bruinsma challenges both individuals and faith-based organizations to reexamine, reshape, reform, and revitalize the fastest-growing segment of our society. God has a unique call for each of our lives, and it does not stop at sixty-five or seventy.

Transform Tomorrow

Author : Stig Nybo
Publisher : John Wiley & Sons
ISBN 13 : 1118572742
Total Pages : 182 pages
Book Rating : 4.1/5 (185 download)

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Book Synopsis Transform Tomorrow by : Stig Nybo

Download or read book Transform Tomorrow written by Stig Nybo and published by John Wiley & Sons. This book was released on 2013-01-17 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: A campaign to prepare Americans for their futures Transform Tomorrow investigates why so many Americans are at risk of out-living their savings. Author Stig Nybo draws inspiration from successful behavior change campaigns to identify the drivers of change—context and beliefs—and how they can be successfully employed to boost retirement savings rates. While the retirement savings industry increasingly embraces the contextual drivers of behavior, very little is being done to shape our beliefs to start saving smarter and sooner. Nybo suggests a retirement readiness campaign to inspire and enlist the support of individuals, employers, industry, government, and the media. Explains how society can transition from treating 401(k) as a voluntary benefit to the basis upon which each individual who wants to or needs to can retire comfortably. Details a national, coordinated retirement readiness campaign, along the lines of successful Public Service Advertisements—like "The Crying Indian" and Rosie the Riveter—that will help change behavior and re-shape the culture of our nation Makes a call to action for such a campaign Retirement in America is endangered, but Transform Tomorrow shows a path back from the brink.