Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
Financial Decision Making And Retirement Security In An Aging World
Download Financial Decision Making And Retirement Security In An Aging World full books in PDF, epub, and Kindle. Read online Financial Decision Making And Retirement Security In An Aging World ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
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: As the world's population lives longer, it will become increasingly important for plan sponsors, retirement advisors, regulators, and financial firms to focus closely on how older persons fare in the face of rising difficulties with cognition and financial management. This book offers state-of-the-art research and recommendations on how to evaluate when older persons need financial advice, help them make better financial decisions, and to identify policy options for handling these individual and social challenges efficiently and fairly. This latest volume in the Pension Research Council series, draws lessons from theory and practice, and will be of interest to employees and retirees, consumers and researchers, and financial institutions working to design better retirement plan offerings.
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 Financial Security and Personal Wealth by : Lewis D. Solomon
Download or read book Financial Security and Personal Wealth written by Lewis D. Solomon and published by . This book was released on 2017-07-26 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's elderly population is soaring, presenting numerous challenges for policymakers in the United States. Other developed nations with aging populations face similar problems. There will be fewer workers relative to retirees in coming decades and the elderly are also expected to live longer. The impact of these demographic changes in the United States is likely to be challenging, especially for America's system of social security. Solomon offers new perspectives on how to meet the future costs of social security without bankrupting the next generation or gravely damaging the U.S. economy. He also shows, more broadly, how to provide for the financial security of America's senior populations. Over the past two decades, primary responsibility for providing a financially adequate retirement has shifted from the federal government and employers to individuals. For most Americans, social security alone will not provide enough income. Most companies have shed their pension plans for 401(k) plans, to which companies and employees contribute, and in which participants must make their own investment decisions. Consequently, achieving financial security in retirement has increasingly become one's personal responsibility. Solomon deals extensively with the politics of social security, past and present. He examines the presidential leadership of Franklin D. Roosevelt and Ronald Reagan, both of whom revived the nation's spirit in times of crisis, both of whom introduced economic policies that remain controversial to the present day. He also considers in detail contemporary efforts to rethink social security, focusing on fundamental reform of the social security system and the expansion and simplification of employer-sponsored retirement plans and individual retirement arrangements. Richly textured, informed, and informative, Financial Security and Personal Wealthencompasses history, demography, political economy, public finance, social policy. It will be of interest to policymakers, economists, and political scientists in the United States and elsewhere.
Book Synopsis Financial Decision Making at Retirement by : David A. Littell
Download or read book Financial Decision Making at Retirement written by David A. Littell and published by . This book was released on 2002 with total page 548 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 2017-09-29 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the world's population lives longer, it will become increasingly important for plan sponsors, retirement advisors, regulators, and financial firms to focus closely on how older persons fare in the face of rising difficulties with cognition and financial management. This book offers state-of-the-art research and recommendations on how to evaluate when older persons need financial advice, help them make better financial decisions, and to identify policy options for handling these individual and social challenges efficiently and fairly. This latest volume in the Pension Research Council series, draws lessons from theory and practice, and will be of interest to employees and retirees, consumers and researchers, and financial institutions working to design better retirement plan offerings.
Download or read book Growing Older in America written by and published by . This book was released on 2007 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Literacy by : Annamaria Lusardi
Download or read book Financial Literacy written by Annamaria Lusardi and published by . This book was released on 2011 with total page 304 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, this book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.
Book Synopsis Retirement Security by : Sofia E. Paulsen
Download or read book Retirement Security written by Sofia E. Paulsen and published by Nova Snova. This book was released on 2020 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In response to concerns over the adequacy of retirement savings, Congress has created incentives to encourage individuals to save more for retirement through a variety of retirement plans. Some retirement plans are employer-sponsored, such as 401(k) plans, and others are established by individual employees, such as Individual Retirement Accounts (IRAs). Chapter 1 describes the primary features of two common retirement savings accounts that are available to individuals. Chapter 2 examines Department of Labor's process for granting exemptions for prohibited IRA transactions and outcomes of that process, and the extent to which DOL and IRS collaborate on oversight of prohibited transaction rules for IRAs.In response to an aging workforce, countries around the world have developed policies to encourage older workers to work longer to improve the financial sustainability of national pension systems and address shortages of skilled workers. Phased retirement is one option that can be used to encourage older workers to stay in the workforce. Chapter 3 examines the extent to which phased retirement exists in other countries with aging populations, the key aspects of phased retirement programs in selected countries, and the experiences of other countries in providing phased retirement and how their experiences can inform policies in the United States.Federal law encourages individuals to save for retirement through tax incentives for 401(k) plans and IRAs--the predominant forms of retirement savings in the United States. Federal law also allows individuals to withdraw assets from these accounts under certain circumstances. Chapter 4 examines the incidence and amount of early withdrawals; factors that might lead individuals to access retirement savings early; and policies and strategies that might reduce the incidence and amounts of early withdrawals. Chapter 5 reports on the number of households approaching retirement with low savings.As Americans age, family caregivers, such as adult children and spouses, play a critical role in supporting the needs of this population. However, those who provide eldercare may risk their own long-term financial security if they reduce their workforce participation or pay for caregiving expenses. Chapter 6 examines what is known about the size and characteristics of the parental and spousal caregiving population, including differences among women and men; examines the extent to which parental or spousal caregiving affects retirement security; and identifies and discusses policy options and initiatives that could improve caregivers' retirement security.
Book Synopsis Retirement Savings Policy by : Michael P. Barry
Download or read book Retirement Savings Policy written by Michael P. Barry and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Disruptive Impact of FinTech on Retirement Systems by : Julie Agnew
Download or read book The Disruptive Impact of FinTech on Retirement Systems written by Julie Agnew and published by . This book was released on 2019-08-22 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people need help planning for retirement, saving, investing, and decumulating their assets, yet financial advice is often complex, potentially conflicted, and expensive. The advent of computerized financial advice offers huge promise to make accessible a more coherent approach tofinancial management, one that takes into account not only clients' financial assets but also human capital, home values, and retirement pensions. Robo-advisors, or automated on-line services that use computer algorithms to provide financial advice and manage customers' investment portfolios, havethe potential to transform retirement systems and peoples' approach to retirement planning.This volume offers cutting-edge research and recommendations regarding the impact of financial technology, or FinTech, to disrupt retirement planning and retirement system design.
Book Synopsis Social Security Programs and Retirement around the World by : Jonathan Gruber
Download or read book Social Security Programs and Retirement around the World written by Jonathan Gruber and published by University of Chicago Press. This book was released on 2009-02-15 with total page 752 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security Programs and Retirement around the World represents the second stage of an ongoing research project studying the relationship between social security and labor. In the first volume, Jonathan Gruber and David A. Wise revealed enormous disincentives to continued work at older ages in developed countries. Provisions of many social security programs typically encourage retirement by reducing pay for work, inducing older employees to leave the labor force early and magnifying the financial burden caused by an aging population. At a certain age there is simply no financial benefit to continuing to work. In this volume, the authors turn to a country-by-country analysis of retirement behavior based on micro-data. The result of research compiled by teams in twelve countries, the volume shows an almost uniform correlation between levels of social security incentives and retirement behavior in each country. The estimates also show that the effect is strikingly uniform in countries with very different cultural histories, labor market institutions, and other social characteristics.
Book Synopsis Pensions in the Public Sector by : Olivia S. Mitchell
Download or read book Pensions in the Public Sector written by Olivia S. Mitchell and published by University of Pennsylvania Press. This book was released on 2001 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the Pension Research Council of the Wharton School, this book explores the diversity of governmental pension plans and investigates how these financial institutions must change in years to come.
Book Synopsis An Aging World by : Kevin G. Kinsella
Download or read book An Aging World written by Kevin G. Kinsella and published by Bureau of Census. This book was released on 2001 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides statistical information on the worldwide population of people 65 years old or older.
Book Synopsis Old-age Income Support in the 21st Century by : Robert Holzmann
Download or read book Old-age Income Support in the 21st Century written by Robert Holzmann and published by World Bank Publications. This book was released on 2005-01-01 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: The past decade has brought an increasing recognition to the importance of pension systems to the economic stability of nations and the security of their aging populations. This report attempts to explain current policy thinking and update the World Bank's perspective on pension reform. This book incorporates lessons learned from recent Bank experiences and research that have significantly increased knowledge and insight regarding how best to proceed in the future. The book has a comprehensive introduction and two main parts. Part I presents the conceptual underpinnings for the Bank's thinking on pension systems and reforms, including structure of Bank lending in this area. Part II highlights key design and implementation issues where it signals areas of confidence and areas for further research and experience, and includes a section on regional reform experiences, including Latin American and Europe and Central Asia.
Book Synopsis The Biology of Investing by : John R. Nofsinger
Download or read book The Biology of Investing written by John R. Nofsinger and published by Routledge. This book was released on 2020-03-30 with total page 205 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why do people’s financial and economic preferences vary so widely? ‘Nurture’ variables such as socioeconomic factors partially explain these differences, but scientists have been discovering that ‘nature’ also plays an important role. This is the first book to bring together these scientific insights for a holistic view of the role of human biology in financial decision-making. Geneticists are now examining which genetic markers are associated with financial and economic preferences. Neuroscientists are now determining where in the brain financial decisions are made and how that varies between people. Endocrinologists relate the level of different hormones circulating in the body to financial risk-taking. Researchers are exploring how physiology and environmental conditions influence investment decisions, and how three types of cognitive ability play essential roles in investment success. This exciting and relevant work being done in these academic silos has generally not been transmitted among the scientific areas, or to industry. For the first time, this book integrates all these areas, explaining the myriad ways in which a person’s biology influences their investing decisions. Financial analysts, advisors, market participants, and upper-level undergraduate and postgraduate students of behavioral finance, behavioral economics, and investing will find this book invaluable, enabling a deeper understanding of investors’ decision-making processes. To further ensure this new material is accessible to students, PowerPoint slides are available online for instructors’ use.
Book Synopsis Assessing Knowledge of Retirement Behavior by : National Research Council
Download or read book Assessing Knowledge of Retirement Behavior written by National Research Council and published by National Academies Press. This book was released on 1996-07-30 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together in one volume what researchers have learned about workers, employers, and retirees that is important for formulating retirement income policies. As the U.S. population ages, there is increasing uncertainty about the solvency of the Social Security and Medicare systems and the adequacy of private pensions to provide for people's retirement needs. The volume covers such critical behaviors as workers' decisions to retire, people's choices of saving over consumption, and employers' decisions about hiring older workers and providing pension and health care benefits. Also covered are trends in mortality, health status, and health care costs that are key to projecting the likely costs and effects of alternative retirement income security policies and a strategy for combining data and research knowledge into a policy modeling framework.
Book Synopsis Social Security Programs and Retirement Around the World by : David A. Wise
Download or read book Social Security Programs and Retirement Around the World written by David A. Wise and published by University of Chicago Press. This book was released on 2017-06-02 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, the retirement age for public pensions has increased across many countries, and additional increases are in progress or under discussion in many more. The seventh stage of an ongoing research project studying the relationship between social security programs and labor force participation, Social Security Programs and Retirement around the World: The Capacity to Work at Older Ages explores people’s capacity to work beyond the current retirement age. It brings together an international team of scholars from twelve countries—Belgium, Canada, Denmark, France, Germany, Italy, Japan, the Netherlands, Spain, Sweden, the United Kingdom, and the United States—to analyze this issue. Contributors find that many—but not all—individuals have substantial capacity to work at older ages. However, they also consider how policymakers might divide gains in life expectancy between years of work and retirement, as well as the main impediments to longer work life. They consider factors that influence the demand for older workers, as well as the evolution of health and disability status, which may affect labor supply from the older population.
