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The Role Of Employer Sponsored Retirement Plans In Increasing National Savings
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Author :United States. Congress Publisher :Createspace Independent Publishing Platform ISBN 13 :9781985279841 Total Pages :300 pages Book Rating :4.2/5 (798 download)
Book Synopsis The Role of Employer-Sponsored Retirement Plans in Increasing National Savings by : United States. Congress
Download or read book The Role of Employer-Sponsored Retirement Plans in Increasing National Savings written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-02-12 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: The role of employer-sponsored retirement plans in increasing national savings : hearing before the Special Committee on Aging, United States Senate, One Hundred Ninth Congress, first session, April 12, 2005.
Book Synopsis The Role of Employer-sponsored Retirement Plans in Increasing National Savings by : United States. Congress. Senate. Special Committee on Aging
Download or read book The Role of Employer-sponsored Retirement Plans in Increasing National Savings written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2005 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Role of Employer-sponsored Retirement Plans in Increasing National Savings by : United States. Congress. Senate. Special Committee on Aging
Download or read book The Role of Employer-sponsored Retirement Plans in Increasing National Savings written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2005 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Social Security Policy in a Changing Environment by : Jeffrey R. Brown
Download or read book Social Security Policy in a Changing Environment written by Jeffrey R. Brown and published by University of Chicago Press. This book was released on 2009-12-15 with total page 473 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security Policy in a Changing Environment analyzes the changing economic and demographic environment in which social insurance programs that benefit elderly households will operate. It also explores how these ongoing trends will affect future beneficiaries, under both the current social security program and potential reform options. In this volume, an esteemed group of economists probes the challenge posed to Social Security by an aging population. The researchers examine trends in private sector retirement saving and health care costs, as well as the uncertain nature of future demographic, economic, and social trends—including marriage and divorce rates and female participation in the labor force. Recognizing the ambiguity of the environment in which the Social Security system must operate and evolve, this landmark book explores factors that policymakers must consider in designing policies that are resilient enough to survive in an economically and demographically uncertain society.
Book Synopsis Participation in and Contributions to 401(k) Pension Plans by : Leslie E. Papke
Download or read book Participation in and Contributions to 401(k) Pension Plans written by Leslie E. Papke and published by . This book was released on 1992 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: 401(k) plans differ from traditional employer-sponsored pension plans in that employees are permitted to make pre-tax contributions and the employer may match pan of the contribution. Since participation in these plans is voluntary, the sensitivity of participation and contributions to plan characteristics - notably the employer matching rate -- will play a critical role in retirement saving. Using plan level data from Form 5500s filed annually with the Internal Revenue Service, I find that there is potential for expanding retirement saving through 401(k) plans although there is evidence that the Tax Reform Act of 1986 reduced their attractiveness. Annual employee contributions were reduced by about 4 percent compared to the prior year after controlling for employer match rates. A simple model of employee contributions predicts that participation should increase with the match rate, and that, under reasonable assumptions, contributions will increase as well, but can eventually fall at higher match rates. I find evidence of both these effects. A .05 increase in the matching rate is associated with one to five percent increase in employee contributions.
Book Synopsis The Role of Employer-sponsored Retirement Plans in Increasing National Savings by : United States. Congress. Senate. Special Committee on Aging
Download or read book The Role of Employer-sponsored Retirement Plans in Increasing National Savings written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2005 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Participation in and Contributions to 401(k) Pension Plans by : Leslie E. Papke
Download or read book Participation in and Contributions to 401(k) Pension Plans written by Leslie E. Papke and published by . This book was released on 1995 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: 401(k) plans differ from traditional employer-sponsored pension plans in that employees are permitted to make pre-tax contributions and the employer may match pan of the contribution. Since participation in these plans is voluntary, the sensitivity of participation and contributions to plan characteristics - notably the employer matching rate -- will play a critical role in retirement saving. Using plan level data from Form 5500s filed annually with the Internal Revenue Service, I find that there is potential for expanding retirement saving through 401(k) plans although there is evidence that the Tax Reform Act of 1986 reduced their attractiveness. Annual employee contributions were reduced by about 4 percent compared to the prior year after controlling for employer match rates. A simple model of employee contributions predicts that participation should increase with the match rate, and that, under reasonable assumptions, contributions will increase as well, but can eventually fall at higher match rates. I find evidence of both these effects. A .05 increase in the matching rate is associated with one to five percent increase in employee contributions.
Book Synopsis Employer-Sponsored Health and Retirement Benefits by : Barbara Bovbjerg
Download or read book Employer-Sponsored Health and Retirement Benefits written by Barbara Bovbjerg and published by DIANE Publishing. This book was released on 2007-12 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many U.S. workers receive health & pension benefits from employers, & the cost of these benefits represents a growing share of workers¿ total compensation. Employers have made changes to control these rising costs, contending that these changes will allow them to remain competitive in an increasingly global market. This report examines the practices employers are using to control the costs of benefits. To evaluate changing employer benefit practices & their implications, the author examined: (1) current & emerging practices employers are using to control the costs of health care benefits, & retirement benefits; & (2) employers¿ workforce restructuring changes. Charts & tables.
Book Synopsis Employersponsored health and retirement benefits efforts to control employer costs and the implications for workers : report by :
Download or read book Employersponsored health and retirement benefits efforts to control employer costs and the implications for workers : report written by and published by DIANE Publishing. This book was released on with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Getting the Job Done written by and published by . This book was released on 1996 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Book Synopsis From Here to Security: How Workplace Savings Can Keep America's Promise by : Robert L. Reynolds
Download or read book From Here to Security: How Workplace Savings Can Keep America's Promise written by Robert L. Reynolds and published by McGraw-Hill Education. This book was released on 2017-09-18 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: *** A USA TODAY BESTSELLER*** The practical, nonpartisan guide to making our retirement savings systems work for America’s people, our economy, and the nation at large At a time of fierce political divisiveness, From Here to Security is a refreshingly balanced, non-ideological guide to solving what may be our nation’s most pressing policy challenge: achieving retirement security for all. A pioneer of the 401(k) system, Robert L. Reynolds eschews radical calls for throwing out the 401(k) entirely and creating a new government-run savings system. Our best course, he shows, is to build on what we have: a flexible, dynamic private-public system of Social Security and more robust workplace savings. From Here to Security provides a clear, powerful new approach to solving America’s retirement challenge – based on facts, data, and Reynolds’ decades of experience. While fear-mongers claim that the U.S. retirement system is on the verge of collapse; Reynolds shows why our system is actually the envy of the world. But From Here to Security is no status quo book. Reynolds lays out an action agenda to dramatically improve our retirement systems – public and private – lift our savings rate, improve people’s retirement prospects, spur faster growth – and reboot America’s national morale.
Download or read book Savings Fitness written by Barry Leonard and published by DIANE Publishing. This book was released on 2007-12 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations.
Book Synopsis Financial Preparation for Retirement by : M. Kabir Hassan
Download or read book Financial Preparation for Retirement written by M. Kabir Hassan and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the effect of various social, demographic, and economic variables on retirement preparation and discusses ways in which policy makers can use this information to mandate legislation that will motivate individuals to save for retirement. Using data from the Survey of Consumer Finances, probit analysis indicates that respondents' income and job tenure have significant positive effects on predicting employer sponsored pension plan eligibility. Conversely, the findings do not support the assumption that the probability of pension plan eligibility increases with age and education levels. In addition, we did not find race, marital status or home ownership to be significant factors in pension plan eligibility. Regarding contributions to pension plans, the findings indicate that income, education and net worth have significant positive effects on whether or not an individual is contributing to a plan. Conversely, the findings regarding household size were significant and negative regarding the contribution decision. Race, health, and an individual's savings habits do not appear to have significant effects on the decision to contribute to employer sponsored pension plans. Additional findings; however, indicate that individuals who report the reason for saving is retirement are more likely to contribute to their pension plans. Finally, the results regarding future expectations for the economy were insignificant in relation to whether or not an individual was contributing to his or her pension plan. The findings may be used to aid policy makers in targeting particular groups of individuals to motivate them to contribute to their company sponsored retirement plans. Policies that encourage retirement planning education programs as well as tax credits on contributions made by individuals in the lower and middle income tax brackets are just a couple of suggestions that could motivate specific groups of individuals to save for retirement.
Book Synopsis Three Essays on the Disposition of Employer-sponsored Retirement Plan Balances by : Erik M. Scherpf
Download or read book Three Essays on the Disposition of Employer-sponsored Retirement Plan Balances written by Erik M. Scherpf and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This thesis investigates why, in spite of the high tax and opportunity costs, a substantial fraction of workers withdraw money from their employer-sponsored retirement accounts upon leaving a job. I employ three national surveys--the National Longitudinal Survey of Youth 1979 (NLSY79), the Survey of Consumer Finances (SCF) and the Survey of Income and Program Participation (SIPP)--to evaluate explanations for this behavior. Often attributed to poor decision-making, withdrawals from employer-sponsored plans may in fact serve as an important mechanism for liquidity-constrained workers to smooth consumption in response to income shocks. Results from the NLSY79 suggest that withdrawals do appear to be driven largely by need, as workers who faced jobless spells upon separation as well as those with low holdings of liquid assets, and poor access to consumer credit markets, were significantly more likely to take some money from their retirement plans when leaving an employer. Yet there was little evidence to support the hypothesis that workers who suffered an adverse job separation were more likely to withdraw money from their plans if they were also liquidity constrained. The second chapter estimates the tax sensitivity of withdrawal decisions using estimates of effective federal and state marginal tax rates generated with the NBER Taxsim program. Estimates reveal that, depending on the tax price measure used, a one percent increase in the marginal tax rate increased the probability that workers preserved the tax-deferred status of the money in their retirement plans between 10 and 30 percentage points. State-level penalties for early withdrawals were also found to be an effective policy instrument for deterring cash outs among workers under age 55. In the third chapter, I take advantage of measures of savings goals and habits, as well as more specific information on the use of cash settlements, found in the SCF to further investigate behavioral explanations for disposition of employer-sponsored plans. Workers who reported credit constraints, a short planning horizon, not saving primarily for retirement and a major future expense for which they had not yet begun saving were significantly more likely to take money from their plans.
Book Synopsis Defined Contribution Plans for Retirement by : Bruce E. Patterson
Download or read book Defined Contribution Plans for Retirement written by Bruce E. Patterson and published by . This book was released on 2012 with total page 157 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past 25 years, defined contribution plans, including 401(k) plans, have become the most prevalent form of employer-sponsored retirement plan in the United States. The majority of assets held in these plans are invested in stocks and stock mutual funds, and the decline in the major stock market indices in 2008 greatly reduced the value of many families' retirement savings. The effect of stock market volatility on families' retirement savings is just one issue of concern to Congress with respect to defined contribution retirement plans. This book examines fee considerations and country comparisons relating to defined contribution plans for retirement with a focus on increasing access to employer-sponsored plans, raising participation and contribution rates, helping participants make better investment choices, requiring clearer disclosure of fees charged to plan participants, preserving retirement savings when workers face economic hardship or change jobs, and promoting life annuities as a source of retirement income.
Book Synopsis Privatizing Social Security by : Martin Feldstein
Download or read book Privatizing Social Security written by Martin Feldstein and published by University of Chicago Press. This book was released on 2008-04-15 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume represents the most important work to date on one of the pressing policy issues of the moment: the privatization of social security. Although social security is facing enormous fiscal pressure in the face of an aging population, there has been relatively little published on the fundamentals of essential reform through privatization. Privatizing Social Security fills this void by studying the methods and problems involved in shifting from the current system to one based on mandatory saving in individual accounts. "Timely and important. . . . [Privatizing Social Security] presents a forceful case for a radical shift from the existing unfunded, pay-as-you-go single national program to a mandatory funded program with individual savings accounts. . . . An extensive analysis of how a privatized plan would work in the United States is supplemented with the experiences of five other countries that have privatized plans." —Library Journal "[A] high-powered collection of essays by top experts in the field."—Timothy Taylor, Public Interest
