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Enhancing Womens Retirement Security
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Author :United States. Congress Publisher :Createspace Independent Publishing Platform ISBN 13 :9781981649648 Total Pages :190 pages Book Rating :4.6/5 (496 download)
Book Synopsis Enhancing Women's Retirement Security by : United States. Congress
Download or read book Enhancing Women's Retirement Security written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-12-12 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Enhancing women's retirement security : hearing before the Special Committee on Aging, United States Senate, One Hundred Twelfth Congress, second session, Washington, DC, July 25, 2012.
Book Synopsis Enhancing Women's Retirement Security by : United States. Congress. Senate. Special Committee on Aging
Download or read book Enhancing Women's Retirement Security written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2012 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Enhancing Women's Retirement Security by : United States. Congress. Senate. Special Committee on Aging
Download or read book Enhancing Women's Retirement Security written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2012 with total page 185 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Book Synopsis Women's Retirement Security by : Ray McCoy
Download or read book Women's Retirement Security written by Ray McCoy and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Elderly women, who comprise a growing portion of the U.S. population, have historically been at greater risk of living in poverty than elderly men. Several factors contribute to the higher rate of poverty among elderly women including their tendency to have lower lifetime earnings, their taking time out of the workforce to care for family members, and outliving their spouses. Other factors affecting older women's financial insecurity include the economic downturn and changing trends in pension plan offerings. This book examines how women's access to and participation in employer-sponsored retirement plans compare to men's and how they have changed over time; how women's retirement income compares to men's and how the composition of their income the proportion of income coming from different sources - has changed with the economic conditions and trends in pension design; and what policy options are available to help increase women's retirement income security.
Book Synopsis Women's Retirement Security by : United States. Congress. Joint Economic Committee
Download or read book Women's Retirement Security written by United States. Congress. Joint Economic Committee and published by . This book was released on 2014 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Retirement Security by : U.s. Government Accountability Office
Download or read book Retirement Security written by U.s. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-08-03 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: " Elderly women, who comprise a growing portion of the U.S. population, have historically been at greater risk of living in poverty than elderly men. Several factors contribute to the higher rate of poverty among elderly women including their tendency to have lower lifetime earnings, take time out of the workforce to care for family members, and outlive their spouses. Other factors could affect older women's financial insecurity. These include the economic downturn and changing trends in pension plan offerings. In light of these circumstances, GAO was asked to examine (1) how women's access to and participation in employer-sponsored retirement plans compare to men's and how they have changed over time, (2) how women's retirement income compares to men's and how the composition of their income-the proportion of income coming from different sources-changed with economic conditions and trends in pension design, (3) how later-in-life events affect women's retirement income security, and (4) what policy options are available to help increase women's retirement income security. To answer these questions, GAO analyzed data from two nationally representative surveys, conducted a broad literature review, and interviewed a range of experts in the area of retirement security. GAO is making no recommendations. GAO received technical comments on a draft of this report from the Department of Labor, the Department of the Treasury and the Social Security"
Book Synopsis Challenges Women Face in Retirement Security by : Jean B. Larou
Download or read book Challenges Women Face in Retirement Security written by Jean B. Larou and published by . This book was released on 2009 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on women and retirement. Women aged 65 and over will account for a growing segment of the U.S. population over the next several decades. Despite increases in women's workforce behaviour in the past 65 years, elderly women have persistently high rates of poverty. Thus, it is important to understand the differences between men's and women's retirement income, and how women may fare given future reforms to Social Security and pensions. Preparing for retirement and achieving financial security are daunting tasks for all Americans to be sure; however, women face many unique challenges. Women still perform the primary caretaker role in our society. As a result, many women spend significant periods of time out of the workforce raising children or taking care of elderly parents, significantly diluting their earning power. Women are also more likely to work part-time or work in industries where employers are less likely to offer retirement benefits. And women generally earn less than men. In 2004, women earned 77 cents for every dollar earned by men. All of these factors have a significant impact on what women receive from Social Security and pension, as well as what they are able to accumulate through personal savings. This income gap is further exacerbated by the fact that women generally live longer than men, and therefore, need to stretch their income over a longer period of time. This book consists of public domain documents which have been located, gathered, combined, reformatted, and enhanced with a subject index, selectively edited and bound to provide easy access.
Book Synopsis Women's Retirement Income by : Kilolo Kijakazi
Download or read book Women's Retirement Income written by Kilolo Kijakazi and published by . This book was released on 2001 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Improving Income Security for Older Women in Retirement by : United States. Congress. Senate. Special Committee on Aging
Download or read book Improving Income Security for Older Women in Retirement written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 1994 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Retirement Security by : Government Accountability Office
Download or read book Retirement Security written by Government Accountability Office and published by CreateSpace. This book was released on 2013-09-12 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the early 1900s, female life expectancy has exceeded male life expectancy, resulting in women outnumbering men in the older age groups. Although gender differences in life expectancy have been decreasing, women age 65 and over continue to outnumber men age 65 and over. This trend is projected to continue over the next 4 decades. Further, the population age 65 and over is expected to more than double from 2010 to 2050. The population of women among the “oldest-old”— those 85 and over—is also projected to grow. Today, of those age 65 and over, one-sixth of women and one-tenth of men are among the oldest-old and this is projected to grow to almost one-quarter of women and one-fifth of all men by 2050.
Book Synopsis Earnings and Women's Retirement Security by : Alicia H. Munnell
Download or read book Earnings and Women's Retirement Security written by Alicia H. Munnell and published by . This book was released on 2006 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Challenges Women Face in Retirement Security by : Jean B. Larou
Download or read book Challenges Women Face in Retirement Security written by Jean B. Larou and published by . This book was released on 2009 with total page 139 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781983542978 Total Pages :96 pages Book Rating :4.5/5 (429 download)
Book Synopsis Retirement Security by : United States Government Accountability Office
Download or read book Retirement Security written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-01-05 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: RETIREMENT SECURITY: Women Still Face Challenges
Book Synopsis Strengthening the Retirement System Beyond Social Security by : Kala E. Upshaw
Download or read book Strengthening the Retirement System Beyond Social Security written by Kala E. Upshaw and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses the retirement system in the U.S. beyond Social Security. The Education and Labor Committee is exploring the shortcomings in our nation's retirement system and looking at solutions so that Americans can enjoy a safe and secure retirement. The current economic crisis has exposed deep flaws in our nation's retirement system. These flaws were mostly hidden when the market was doing well. Since the beginning of the crisis, trillions of dollars have evaporated from workers' 401(k) accounts. Millions of workers have seen a significant portion of their retirement balance vanish in just a few short months. The decline has forced many workers to consider postponing retirement or rejoining the workforce if they have already retired. For many retirees coping with rising costs for health care and other basic expenses, this loss in income is simply devastating. While fully restoring the lost wealth of the baby boom cohorts may not prove feasible, Congress can take effective steps to create a better retirement system for future generations. This can done at no cost to taxpayers, simply by having the government assume market risk by averaging returns over time. There are no economic or administrative obstacles to going this route, it is simply a question of political will. In any case, the message is that we need more organised retirement savings. A declining Social Security system and fragile 401(k) plans will not be enough for future retirees.
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781984161406 Total Pages :94 pages Book Rating :4.1/5 (614 download)
Book Synopsis Retirement Security by : United States Government Accountability Office
Download or read book Retirement Security written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-01-24 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement Security: Women Face Challenges in Ensuring Financial Security in Retirement
Book Synopsis Aging Gracefully by : Peter R. Orszag
Download or read book Aging Gracefully written by Peter R. Orszag and published by . This book was released on 2006 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Aging Gracefully gathers a collection of essays that highlight policy ideas for promoting greater retirement savings among Americans. The essays were written as part of the Retirement Security Project, which is dedicated to promoting common sense solutions to improve the retirement income prospects of millions of American workers. The project is supported by The Pew Charitable Trusts, in partnership with Georgetown University's Public Policy Institute and the Brookings Institution. The essays included in this volume address issues such as: How an automatic 401(k) would encourage greater savings. How better structured 401(k) investments can reduce risks and increase growth. What impact the preferential tax treatment given IRAs and 401(k) plans has on low-income families. How IRA-contribution matching by employers can encourage low- and middle-income families to save more.
