Retirement Security

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The Hard Times Guide to Retirement Security

Author : Mark Miller
Publisher : John Wiley & Sons
ISBN 13 : 0470908343
Total Pages : 263 pages
Book Rating : 4.4/5 (79 download)

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Book Synopsis The Hard Times Guide to Retirement Security by : Mark Miller

Download or read book The Hard Times Guide to Retirement Security written by Mark Miller and published by John Wiley & Sons. This book was released on 2010-06-15 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: A timely guide to overcoming the retirement challenges we all face The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance. Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by page, it puts retirement in perspective by touching on important issues such as insuring against the risk of outliving your assets, recalibrating damaged retirement portfolios, managing the risk of health-care expenses in retirement, and career strategies for workers who are 50 years old and up. Reveals how to boost lifetime income through better planning, and working just a few additional years Offers advice on how to hire a financial advisor whose first loyalty is to you, not Wall Street Discusses why you should rethink housing in the wake of the real estate crash Offers detailed advice on career reinvention, the 50+ job market and midlife entrepreneurship Engaging and informative, this practical guide provides the strategies needed for a truly fulfilling and secure retirement.

Rescuing Retirement

Author : Teresa Ghilarducci
Publisher : Columbia Business School Publi
ISBN 13 : 9780231185646
Total Pages : 166 pages
Book Rating : 4.1/5 (856 download)

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Book Synopsis Rescuing Retirement by : Teresa Ghilarducci

Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia Business School Publi. This book was released on 2018 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. It offers a practical guide to the future of secure retirement.

Financial Literacy

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0199696810
Total Pages : 328 pages
Book Rating : 4.1/5 (996 download)

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Book Synopsis Financial Literacy by : Olivia S. Mitchell

Download or read book Financial Literacy written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2011-10-27 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.

Aging and the Macroeconomy

Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309261961
Total Pages : 230 pages
Book Rating : 4.3/5 (92 download)

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Book Synopsis Aging and the Macroeconomy by : National Research Council

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.

Retirement Security

Author : David M. Walker
Publisher :
ISBN 13 :
Total Pages : 328 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Retirement Security by : David M. Walker

Download or read book Retirement Security written by David M. Walker and published by . This book was released on 1996-09-28 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of Americans face the possibility of a personal retirement crisis in the coming years. In the not too distant future, known demographic trends, projected financial imbalances in Social Security and Medicare programs, changes in employer pension and retiree health plans—and inadequate planning—threaten to derail your retirement security. Only through personal education, informed planning, and disciplined action can you insure a reasonable standard of living and quality of life throughout your retirement years. Retirement Security provides complete, candid, and insightful advice to help you separate retirement fact from fiction. Written by a retirement policy and planning expert with extensive experience in government and the private sector, this self-contained guide gives you the knowledge and the tools you need to make the most of your earnings and investments—both now and in the future. You will gain a solid understanding of the many components that affect your retirement security and the factors that drive them, including full coverage of Social Security, Medicare, pensions, retiree health arrangements, personal savings, and more. You will also find out how to design, implement, and amend your own retirement strategy, using a straightforward and effective seven-step method based on sound and proven retirement savings and investment principles. Whether you are embarking on a career, nearing retirement, or already retired, don't let your golden years be tarnished by financial insecurity. Retirement Security will show you how to plan, save, and invest in your future so that you can afford to retire. What is likely to happen to Social Security and Medicare programs? How can I make the most of my employer-sponsored pension and savings plans? How much income will I need for retirement? How should I invest what I save? When should I use IRAs or Keoghs? Now you can find answers to these and other critical questions in one book—Retirement Security, the most comprehensive and authoritative guide to retirement planning currently available. Combining sound analysis of the different components of retirement income with practical guidance on developing your own retirement strategy, the book's unique, two-pronged approach gives you the knowledge and the tools you need to make the most of your financial resources both now and in the future. Key features include: Comprehensive coverage of Social Security, Medicare, pensions, retiree healthcare, personal savings, and more. Clear explanations of the impact of demographics, economics, law, and politics on public and private sector programs and investments. A straightforward and effective seven-step method for devising and implementing your personal retirement plan. Crucial savings and investment principles to guide your retirement strategy. Informed guidance on where to seek further information about your government and employer-provided retirement benefits.

The Employee Retirement Income Security Act of 1974

Author : James Wooten
Publisher : Univ of California Press
ISBN 13 : 0520931394
Total Pages : 433 pages
Book Rating : 4.5/5 (29 download)

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Book Synopsis The Employee Retirement Income Security Act of 1974 by : James Wooten

Download or read book The Employee Retirement Income Security Act of 1974 written by James Wooten and published by Univ of California Press. This book was released on 2005-01-24 with total page 433 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study of the Employee Retirement Income Security Act of 1974 (ERISA) explains in detail how public officials in the executive branch and Congress overcame strong opposition from business and organized labor to pass landmark legislation regulating employer-sponsored retirement and health plans. Before Congress passed ERISA, federal law gave employers and unions great discretion in the design and operation of employee benefit plans. Most importantly, firms and unions could and often did establish pension plans that placed employees at great risk for not receiving any retirement benefits. In the early 1960s, officials in the executive branch proposed a number of regulatory initiatives to protect employees, but business groups and most labor unions objected to the key proposals. Faced with opposition from powerful interest groups, legislative entrepreneurs in Congress, chiefly New York Republican senator Jacob K. Javits, took the case for pension reform directly to voters by publicizing frightening statistics and "horror stories" about pension plans. This deft and successful effort to mobilize the media and public opinion overwhelmed the business community and organized labor and persuaded Javits's colleagues in Congress to support comprehensive pension reform legislation. The enactment of ERISA in September 1974 recast federal policy for private pension plans by making worker security an overriding objective of federal law.

Rescuing Retirement

Author : Teresa Ghilarducci
Publisher : Columbia University Press
ISBN 13 : 0231546270
Total Pages : 177 pages
Book Rating : 4.2/5 (315 download)

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Book Synopsis Rescuing Retirement by : Teresa Ghilarducci

Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia University Press. This book was released on 2018-01-23 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement shouldn’t be just for the rich: “Finally, a practical plan to address Americans’ lack of adequate retirement savings.”—Michael Bloomberg Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don’t act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, economist Teresa Ghilarducci and billionaire businessman Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. Built on people’s own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans’ growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement. “Ghilarducci and James never slip into wonk-speak or jargon, and lay readers will appreciate the way the authors make sense of complex economic issues.”—Publishers Weekly

Retirement Income

Author : Christian E. Weller
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis Retirement Income by : Christian E. Weller

Download or read book Retirement Income written by Christian E. Weller and published by . This book was released on 2005 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines social security benefits within the context of other retirement savings programme.

Wealth After Work

Author : William G. Gale
Publisher : Brookings Institution Press
ISBN 13 : 0815739354
Total Pages : 406 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Wealth After Work by : William G. Gale

Download or read book Wealth After Work written by William G. Gale and published by Brookings Institution Press. This book was released on 2021-07-27 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.

Income Allocation

Author : David Gaylor
Publisher :
ISBN 13 : 9780999018903
Total Pages : 136 pages
Book Rating : 4.0/5 (189 download)

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Book Synopsis Income Allocation by : David Gaylor

Download or read book Income Allocation written by David Gaylor and published by . This book was released on 2017-05-09 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: When you stop working and the paychecks no longer arrive regularly, how will you replace them? In Income Allocation: Enhance Your Retirement Security, you'll discover how to keep the cash flowing in retirement like you did during your working years. Financial advisor David Gaylor reveals how you can assure yourself of regular, reliable income, regardless of how financial markets perform or how long your retirement lasts.

Retirement Security for Working Americans

Author : United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions. Subcommittee on Employment, Safety, and Training
Publisher :
ISBN 13 :
Total Pages : 120 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Retirement Security for Working Americans by : United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions. Subcommittee on Employment, Safety, and Training

Download or read book Retirement Security for Working Americans written by United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions. Subcommittee on Employment, Safety, and Training and published by . This book was released on 2002 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Pension Challenge

Author : Olivia S. Mitchell
Publisher : OUP Oxford
ISBN 13 : 0191532959
Total Pages : 360 pages
Book Rating : 4.1/5 (915 download)

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Book Synopsis The Pension Challenge by : Olivia S. Mitchell

Download or read book The Pension Challenge written by Olivia S. Mitchell and published by OUP Oxford. This book was released on 2003-11-13 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book, the first in a new series produced by the Pension Research Council of the Wharton School in collaboration with Oxford University Press, explores ways to enhance retirement security in a volatile financial environment. Mitchell and Smetters begin by assessing the myriad retirement risks confronting employees, retirees, employers, and governments, and it shows how stakeholders can work to reinvent pensions that perform well in a competitive global setting. Contributors then indicate how pension systems can be better designed to help protect against these risks. Of special interest is a discussion of new financial products and structures to meet and manage challenges to old-age security. Examples considered include pension investment guarantees and hedges, adapting catastrophe bonds to the pension context, and key regulatory structures and portfolio requirements designed to protect unwary or unwitting pension participants. The contributors draw important lessons for a wide range of countries, drawing from both developed and developing market experiences. Contributors include world-famous finance experts and risk management faculty, development economists, pension regulators, and pension consultants.

The Labor Guide to Retirement Plans

Author : James W. Russell
Publisher : NYU Press
ISBN 13 : 1583679359
Total Pages : 281 pages
Book Rating : 4.5/5 (836 download)

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Book Synopsis The Labor Guide to Retirement Plans by : James W. Russell

Download or read book The Labor Guide to Retirement Plans written by James W. Russell and published by NYU Press. This book was released on 2021-11-22 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: An essential resource for workers navigating their retirement and pension options, from the labor organizer's perspective. Researching retirement plans should not take the rest of your life, even if deciphering the relevant paperwork seems to have become a full-time job. Deliberately elaborate legalese is obscuring the efforts of financial elites to seize control of workers' collective retirement savings—and The Labor Guide to Retirement Plans is here to translate. Neoliberal retirement reforms have escalated elites' efforts to replace guaranteed workplace retirement plans with weak 401(k)-like savings accounts and risky stock market investment schemes. The result is arguably the largest source of labor value expropriation over the last four decades. In light of all this, what do workers need to know as they assess their future prospects—especially in terms of the security their retirement plans may or may not bring? What should union activists keep in mind as they push for the national and workplace reforms needed to produce greater retirement security? This nuts-and-bolts book provides a much-needed demystification of the retirement system. Even more than that The Labor Guide to Retirement Plans enables us to take charge of our own personal futures, as a first step towards taking back what belongs to us all.

Don't Worry Retire Happy!

Author : Tom Hegna
Publisher :
ISBN 13 : 9780998842202
Total Pages : pages
Book Rating : 4.8/5 (422 download)

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Book Synopsis Don't Worry Retire Happy! by : Tom Hegna

Download or read book Don't Worry Retire Happy! written by Tom Hegna and published by . This book was released on 2018-08 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Retirement Security

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Publisher :
ISBN 13 :
Total Pages : 148 pages
Book Rating : 4.0/5 (9 download)

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Book Synopsis Retirement Security by : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises

Download or read book Retirement Security written by United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises and published by . This book was released on 2003 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Social Security Programs and Retirement around the World

Author : Courtney C. Coile
Publisher : University of Chicago Press
ISBN 13 : 022661929X
Total Pages : 347 pages
Book Rating : 4.2/5 (266 download)

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Book Synopsis Social Security Programs and Retirement around the World by : Courtney C. Coile

Download or read book Social Security Programs and Retirement around the World written by Courtney C. Coile and published by University of Chicago Press. This book was released on 2019-12-12 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: In developed countries, men’s labor force participation at older ages has increased in recent years, reversing a decades-long pattern of decline. Participation rates for older women have also been rising. What explains these patterns, and the differences in them across countries? The answers to these questions are pivotal as countries face fiscal and retirement security challenges posed by longer life-spans. This eighth phase of the International Social Security project, which compares the social security and retirement experiences of twelve developed countries, documents trends in participation and employment and explores reasons for the rising participation rates of older workers. The chapters use a common template for analysis, which facilitates comparison of results across countries. Using within-country natural experiments and cross-country comparisons, the researchers study the impact of improving health and education, changes in the occupation mix, the retirement incentives of social security programs, and the emergence of women in the workplace, on labor markets. The findings suggest that social security reforms and other factors such as the movement of women into the labor force have played an important role in labor force participation trends.

Reshaping Retirement Security

Author : Raimond Maurer
Publisher : Oxford University Press on Demand
ISBN 13 : 0199660697
Total Pages : 312 pages
Book Rating : 4.1/5 (996 download)

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Book Synopsis Reshaping Retirement Security by : Raimond Maurer

Download or read book Reshaping Retirement Security written by Raimond Maurer and published by Oxford University Press on Demand. This book was released on 2012-09-27 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans caused by the financial crisis. It aims to rethink the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.