Retirement Security in the Great Recession

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Author :
Publisher : Routledge
ISBN 13 : 1317983386
Total Pages : 175 pages
Book Rating : 4.3/5 (179 download)

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Book Synopsis Retirement Security in the Great Recession by : Christian E. Weller

Download or read book Retirement Security in the Great Recession written by Christian E. Weller and published by Routledge. This book was released on 2013-09-13 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: Few events have posed as many challenges for retirement and retirement policy as the crisis of the late 2000s. At the end of the last decade, the United States experienced the Great Recession—a combination of unprecedented wealth losses and historically high unemployment increases that marked the longest economic recession since the Great Depression. These adverse economic shocks coincided with the burgeoning entry into retirement by the baby boomer generation, those born in the United States between 1946 and 1964. The confluence of these trends meant that retirees may have faced greater economic insecurity than at any point since World War II. This book brings together a number of influential researchers whose work is focused on economic policies and their impacts on retirement income security. They come from both academic and policy backgrounds. Specifically, half of the eight contributors are academics, while the other four come from think tanks in Washington, DC. This book is thus intended to combine research and policy. This book was published as a special issue of the Journal of Aging and Social Policy.

Institutional Asset Management: How are professional investors affected by legislature and corporate governance?

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Author :
Publisher : Anchor Academic Publishing (aap_verlag)
ISBN 13 : 3954895889
Total Pages : 96 pages
Book Rating : 4.9/5 (548 download)

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Book Synopsis Institutional Asset Management: How are professional investors affected by legislature and corporate governance? by : Andreas Sossong

Download or read book Institutional Asset Management: How are professional investors affected by legislature and corporate governance? written by Andreas Sossong and published by Anchor Academic Publishing (aap_verlag). This book was released on 2014-02-01 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the current legislature and best practice corporate governance for institutional investors in Germany and the United States. Differences in investment regulation, compliance and disclosure requirements, as well as expense and tax schemes are identified for insurance companies and the pension fund industry. Based on current academic literature, hypotheses about the impact of different regulatory regimes are derived and tested empirically in a comparison between Germany and the United States over the last five years. Differences in asset allocation between the two countries are determined for both industries. It is shown that the strict quantitative regulation of asset allocation in Germany has no negative impact on institutional investors’ performance, yet it reduces the realized risk measured through depreciation. A principal component regression reveals that asset allocation constitutes a relevant indicator for depreciation and performance in Germany. It can be inferred that the investment regulation in Germany poses little disadvantages for investors while it provides a significant risk reduction. This conclusion is confirmed by practitioners from the pension fund industry in Germany.

401(k) Fair Disclosure and Pension Security Act of 2009, July 31, 2009, 111-1 House Report 111-244, Part 1

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Author :
Publisher :
ISBN 13 :
Total Pages : 104 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis 401(k) Fair Disclosure and Pension Security Act of 2009, July 31, 2009, 111-1 House Report 111-244, Part 1 by :

Download or read book 401(k) Fair Disclosure and Pension Security Act of 2009, July 31, 2009, 111-1 House Report 111-244, Part 1 written by and published by . This book was released on 2009 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Borrowing from Yourself: 401(k) Loans and Household Balance Sheets

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Author :
Publisher : DIANE Publishing
ISBN 13 : 1437985386
Total Pages : 29 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Borrowing from Yourself: 401(k) Loans and Household Balance Sheets by :

Download or read book Borrowing from Yourself: 401(k) Loans and Household Balance Sheets written by and published by DIANE Publishing. This book was released on with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Smartest 401(k) Book You'll Ever Read

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Author :
Publisher : Penguin
ISBN 13 : 1101458046
Total Pages : 175 pages
Book Rating : 4.1/5 (14 download)

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Book Synopsis Smartest 401(k) Book You'll Ever Read by : Daniel R. Solin

Download or read book Smartest 401(k) Book You'll Ever Read written by Daniel R. Solin and published by Penguin. This book was released on 2010-07-06 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book will change the way you think about and invest in your retirement savings plan-forever. Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that: ? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No!" ? There is a simple way to make smart choices in these plans- and this book shows you exactly what to do and which funds to avoid. ? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond! Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status. "If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -Miami Herald

Pensions at a Glance 2009 Retirement-Income Systems in OECD Countries

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Author :
Publisher : OECD Publishing
ISBN 13 : 9264063455
Total Pages : 283 pages
Book Rating : 4.2/5 (64 download)

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Book Synopsis Pensions at a Glance 2009 Retirement-Income Systems in OECD Countries by : OECD

Download or read book Pensions at a Glance 2009 Retirement-Income Systems in OECD Countries written by OECD and published by OECD Publishing. This book was released on 2009-10-15 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: This third edition of Pensions at a Glance updates in-depth information on the key features of mandatory pension systems—both public and private—in the 30 OECD countries, including projections of retirement income for today’s workers.

Social Security Policy in a Changing Environment

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Author :
Publisher : University of Chicago Press
ISBN 13 : 0226076504
Total Pages : 473 pages
Book Rating : 4.2/5 (26 download)

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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.

The Measure of America, 2010-2011

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Author :
Publisher : NYU Press
ISBN 13 : 0814783813
Total Pages : 338 pages
Book Rating : 4.8/5 (147 download)

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Book Synopsis The Measure of America, 2010-2011 by : Kristen Lewis

Download or read book The Measure of America, 2010-2011 written by Kristen Lewis and published by NYU Press. This book was released on 2010-11-01 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Measure of America, 2010-2011, is the definitive report on the overall well-being of all Americans. How are Americans doing—compared to one another and compared to the rest of the world? This important, easy-to-understand guide will provide all of the essential information on the current state of America. This fully illustrated report, with over 130 color images, is based on the groundbreaking American Human Development Index, which provides a single measure of the well-being for all Americans, disaggregated by state and congressional district, as well as by race, gender, and ethnicity. The Index rankings of the 50 states and 435 congressional districts reveal huge disparities in the health, education, and living standards of different groups. For example, overall, Connecticut ranked first among states on the 2008-2009 Index, and Mississippi ranked last, suggesting that there is a 30-year gap in human development between the two states. Further, among congressional districts, New York’s 14th District, in Manhattan, ranked first, and California’s 20th District, near Fresno, ranked last. The average resident of New York’s 14th District earned over three times as much as the average resident of California’s 20th District, lived over four years longer, and was ten times as likely to have a college degree. The second in the American Human Development Report series, the 2010-2011 edition features a completely updated Index, new findings on the well-being of different racial and ethnic groups from state to state, and a closer look at disparities within major metro areas. It also shines a spotlight on threats to progress and opportunity for some Americans as well as highlighting tested approaches to fosteringresilience among different groups. Using a revelatory framework for explaining the very nature of humanprogress, this report can be used not only as a way to measure America but also to build upon past policy successes, protect the progress made over the last half century from new risks, and create an infrastructure of opportunity that can serve a new generation of Americans. Beautifully illustrated with stunning four-color graphics that allow for a quick visual understanding of often complex but important issues, The Measure of America is essential reading for all Americans, especially for social scientists, policy makers, and pundits who want to understand where Americans stand today.

Boomer Bust?

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Author :
Publisher :
ISBN 13 :
Total Pages : 236 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Boomer Bust? by : United States. Congress. Senate. Special Committee on Aging

Download or read book Boomer Bust? written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2009 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Corporate and Private Pension Plans in the United States

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Author :
Publisher : diplom.de
ISBN 13 : 3836640082
Total Pages : 150 pages
Book Rating : 4.8/5 (366 download)

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Book Synopsis Corporate and Private Pension Plans in the United States by : Yildiz Saglik

Download or read book Corporate and Private Pension Plans in the United States written by Yildiz Saglik and published by diplom.de. This book was released on 2009-12-21 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inhaltsangabe:Introduction: This thesis gives in chapter A an understanding of the relevance of corporate and private pension plans for the U.S. work force. Chapter B examines the regulatory environment of qualified pension plans, the tax treatment of transactions on the employer and employee side and the multitudinous pension plan qualification standards. The main part of this thesis, chapter C, navigates the reader through basic plan types in the private sector including employer-sponsored plans and individual retirement arrangements. Chapter D deals critically with the opportunities and risks as a result of the structural shift in the retirement plan landscape from defined benefit to defined contribution plans in general, and to 401(k) plans in particular. Further, it gives a forecast on pension shortfalls for future retirees according to recent studies of governmental and private institutions and captures the impact of the current financial crisis on plan funds and the reactions of plan participants thereon. Inhaltsverzeichnis:Table of Contents: List of TablesVII List of AbbreviationsIX A)Introduction1 I.Brief History of Pension Plans in the United States1 II.Relevance of Pension Plans for the American Population3 1)Tax Advantages for Employers3 2)Income Security for Employees4 3)Supplemental of Social Security System5 4)Prevalence of Corporate Pension Plans8 (a)Sponsoring and Participation Level by Work Group8 (b)Sponsoring and Participation Level by Plan Type9 (c)Pension and Annuity Income Levels10 5)Relevance of Individual Retirement Arrangements11 6)Influence on Financial Markets12 7)Further Areas of Pension Coverage14 (a)Self-employed Individuals14 (b)Unions as Co-founder of Pension Plan Trusts15 iMultiemployer Plans15 iiMultiple Employer Plans15 iiiSingle Employer Plans16 (c)Governmental Employees16 B)Regulatory Environment of Retirement Plans18 I.Employee Retirement Income Security Act of 197418 II.Trusts19 1)Pension Trust Triangle19 2)Tax Exemption of Trusts20 3)Prudent Man Rule20 4)Funding20 5)Legal Force and Creditor Protection21 6)ERISA vs. State Law21 III.Systematic Segmentation22 IV.Tax Regulations for Qualified Retirement Plans23 1)An Overview of the Current Tax System23 2)Tax Treatment of Transactions24 (a)Contributions24 iEmployee Contributions24 iiEmployer Contributions25 (b)Distributions26 iAveraging Method for Lump Sum Distributions26 iiTax Deferrals on Net Unrealized Appreciation in [...]

What You Should Know about Your Retirement Plan

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Author :
Publisher : GPO FCIC
ISBN 13 : 9781612210742
Total Pages : 44 pages
Book Rating : 4.2/5 (17 download)

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Book Synopsis What You Should Know about Your Retirement Plan by : U.S. Department of Labor

Download or read book What You Should Know about Your Retirement Plan written by U.S. Department of Labor and published by GPO FCIC. This book was released on 2006 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: Helps you understand your employer's retirement savings plan, know what information you should review periodically and where to go for help with questions. Explains when and how you can receive retirement benefits, the responsibilities of those who manage

The Fund Industry

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 1118929950
Total Pages : 549 pages
Book Rating : 4.1/5 (189 download)

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Book Synopsis The Fund Industry by : Robert Pozen

Download or read book The Fund Industry written by Robert Pozen and published by John Wiley & Sons. This book was released on 2015-01-05 with total page 549 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide to how your money is managed, with foreword by Nobel laureate Robert Shiller The Fund Industry offers a comprehensive look at mutual funds and the investment management industry, for fund investors, those working in the fund industry, service providers to the industry and students of financial institutions or capital markets. Industry experts Robert Pozen and Theresa Hamacher take readers on a tour of the business of asset management. Readers will learn how to research a fund and assess whether it's right for them; then they'll go behind the scenes to see how funds are invested, sold and regulated. This updated edition expands coverage of the segments of the industry where growth is hottest, including hedge funds, liquid alternatives, ETFs and target date funds—and adds an introduction to derivatives. Mutual funds are a key component of financial planning for 96 million Americans. Nearly a quarter of U.S. household savings are invested in funds, which give individual investors affordable access to professional management. This book provides a detailed look at how firms in the industry: Invest those savings in stocks and bonds Evaluate the risks and returns of funds Distribute funds directly to consumers or through financial advisors or retirement plans Handle the complex operational and regulatory requirements of mutual funds Vote proxies at the annual meetings of public companies Expand their operations across borders Along the way, the authors describe the latest trends and discuss the biggest controversies—all in straightforward and engaging prose. The Fund Industry is the essential guide to navigating the mutual fund industry.

Transform Tomorrow

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Author :
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.

Harvard Law Review: Volume 127, Number 6 - April 2014

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Author :
Publisher : Quid Pro Books
ISBN 13 : 161027878X
Total Pages : 430 pages
Book Rating : 4.6/5 (12 download)

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Book Synopsis Harvard Law Review: Volume 127, Number 6 - April 2014 by : Harvard Law Review

Download or read book Harvard Law Review: Volume 127, Number 6 - April 2014 written by Harvard Law Review and published by Quid Pro Books. This book was released on 2014-04-10 with total page 430 pages. Available in PDF, EPUB and Kindle. Book excerpt: The contents of Number 6 (Apr. 2014) include scholarly articles and student research, as well as as the extensive, annual survey of Developments in the Law. This year's subject is SEXUAL ORIENTATION AND GENDER IDENTITY. Topics include "Pro-Gay and Anti-Gay Speech in Schools," "Transgender Youth and Access to Gendered Spaces in Education," "Classification and Housing of Transgender Inmates in American Prisons," "Animus and Sexual Regulation," and "Progress Where You Might Least Expect It: The Military's Repeal of 'Don't Ask, Don't Tell.'" Each year, the special Developments issue serves, in effect, as a new and detailed book on a cutting-edge legal subject. The issue also includes an article by Jill C. Anderson, "Misreading Like a Lawyer: Cognitive Bias in Statutory Interpretation," and an article by Ryan Bubb & Richard H. Pildes, "How Behavioral Economics Trims Its Sails and Why." In addition, student case notes explore Recent Cases on such diverse subjects as false advertising by disseminating scientific literature, free speech rights of professors in public universities, voter identification laws, sentencing by imposing the condition of penile plethysmography, aiding and abetting violations in international law, and whether intercepting unencrypted wi-fi violates the Wiretap Act. A further student work explores the recent administrative policy of the Social Security Administration's eliminating a surgical requirement for changing trans individuals' gender designation, and another explores a recent administration white paper on national security and whether bulk metadata collection violates the USA PATRIOT Act. Finally, the issue features several summaries of Recent Publications. The Harvard Law Review is offered in a quality digital edition, featuring active Contents, linked notes, active URLs in notes, and proper ebook and Bluebook formatting. The contents of Number 6 (Apr. 2014) include scholarly essays by leading academic figures, as well as substantial student research. The Review is a student-run organization whose primary purpose is to publish a journal of legal scholarship. The organization is formally independent of the Harvard Law School. Student editors make all editorial and organizational decisions.

Pensions at a Glance 2009 Retirement-Income Systems in OECD Countries

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Author :
Publisher : OECD Publishing
ISBN 13 : 9789264060715
Total Pages : 284 pages
Book Rating : 4.0/5 (67 download)

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Book Synopsis Pensions at a Glance 2009 Retirement-Income Systems in OECD Countries by : OECD

Download or read book Pensions at a Glance 2009 Retirement-Income Systems in OECD Countries written by OECD and published by OECD Publishing. This book was released on 2009-09-01 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: This third edition of Pensions at a Glance updates in-depth information on the key features of mandatory pension systems—both public and private—in the 30 OECD countries, including projections of retirement income for today’s workers.

Retirement Income

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Author :
Publisher : DIANE Publishing
ISBN 13 : 1437988555
Total Pages : 79 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Retirement Income by : Charles Jeszeck

Download or read book Retirement Income written by Charles Jeszeck and published by DIANE Publishing. This book was released on 2012-10-07 with total page 79 pages. Available in PDF, EPUB and Kindle. Book excerpt: As life expectancy increases, the risk that retirees will outlive their assets is a growing challenge. The shift from defined benefit (DB) pension plans to defined contribution (DC) plans also increases the responsibility for workers and retirees to make difficult decisions and manage their pension and other financial assets so that they have income throughout retirement. This report reviewed (1) strategies that experts recommend retirees employ to ensure income throughout retirement, (2) choices retirees have made for managing their pension and financial assets for generating income, and (3) policy options available to ensure income throughout retirement and their advantages and disadvantages. The report interviewed experts about strategies retirees should take; analyzed nationally representative data and studies about retirees' decisions; and interviewed experts and reviewed documents about related policy options. Figures and tables. This is a print on demand report.

Winner-Take-All Politics

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Author :
Publisher : Simon and Schuster
ISBN 13 : 1416588701
Total Pages : 368 pages
Book Rating : 4.4/5 (165 download)

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Book Synopsis Winner-Take-All Politics by : Jacob S. Hacker

Download or read book Winner-Take-All Politics written by Jacob S. Hacker and published by Simon and Schuster. This book was released on 2010 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this groundbreaking book on one of the world's greatest economic crises, Hacker and Pierson explain why the richest of the rich are getting richer while the rest of the world isn't.