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Reimagining Pensions
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Book Synopsis Reimagining Pensions by : Olivia S. Mitchell
Download or read book Reimagining Pensions written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2016 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 1964 termination of the Studebaker Corporation's pension plan wiped out or significantly reduced the pensions of thousands of the automaker's employees and retirees. In response, the US Congress passed the 1974 Employee Retirement Income Security Act (ERISA), a monumental and revolutionary piece of legislation crafted to address corporate pension underfunding. The bill also set new rules regarding defined benefit (DB) and other retirement plans, and it established the Pension Benefit Guaranty Corporation as a government-run insurer to serve as a backdrop to U.S. corporate pensions. Despite the bill's far-ranging scope, in the decades since its passage, it has become evident that ERISA failed to achieve many of its intended objectives. The corporate pension scene today is in turmoil, and most private employers have terminated or frozen their traditional DB plans. In their place, employers are increasingly substituting defined contribution (DC) retirement saving plans, which pose a new set of responsibilities on employees and their firms. This volume investigates how and why traditional approaches to pension risk management have failed, and we also explore the new mechanisms required to strengthen retirement security for the future. Lessons from international experience are also included, ranging from Singapore to Switzerland, and the Netherlands to Australia.
Book Synopsis Reimagining Pensions by : Olivia S. Mitchell
Download or read book Reimagining Pensions written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2016-01-21 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 1964 termination of the Studebaker Corporation's pension plan wiped out or significantly reduced the pensions of thousands of the automaker's employees and retirees. In response, the US Congress passed the 1974 Employee Retirement Income Security Act (ERISA), a monumental and revolutionary piece of legislation crafted to address corporate pension underfunding. The bill also set new rules regarding defined benefit (DB) and other retirement plans, and it established the Pension Benefit Guaranty Corporation as a government-run insurer to serve as a backdrop to U.S. corporate pensions. Despite the bill's far-ranging scope, in the decades since its passage, it has become evident that ERISA failed to achieve many of its intended objectives. The corporate pension scene today is in turmoil, and most private employers have terminated or frozen their traditional DB plans. In their place, employers are increasingly substituting defined contribution (DC) retirement saving plans, which pose a new set of responsibilities on employees and their firms. This volume investigates how and why traditional approaches to pension risk management have failed, and we also explore the new mechanisms required to strengthen retirement security for the future. Lessons from international experience are also included, ranging from Singapore to Switzerland, and the Netherlands to Australia.
Book Synopsis Reimagining Pensions by : Olivia S. Mitchell
Download or read book Reimagining Pensions written by Olivia S. Mitchell and published by . This book was released on 2016 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This volume investigates how and why traditional approaches to pension risk management have failed, and explores the new mechanisms required to strengthen retirement security for the future. Lessons from international experience are also included, ranging from Singapore to Switzerland, and the Netherlands to Australia."--[Source inconnue].
Book Synopsis The Pension Book by : Karen Ferguson
Download or read book The Pension Book written by Karen Ferguson and published by Arcade Publishing. This book was released on 1996-05 with total page 588 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every pension plan has its fine print. Using case studies from the Pension Rights Center, Ferguson and Blackwell show what everyone in a private plan needs to know: how and when their pension will vest; how much their benefit will be; and whether it is adjusted for inflation. Is the plan overfunded or underfunded? Will it survive should the company change hands or go bankrupt? And what happens in the event of death or divorce? Each chapter tackling these subjects is followed by a "What to Do" section in which the authors demonstrate, point by point, how we can take charge of our retirement future. No retirement plan? You're not alone. Half of all Americans have no plan other than social security, and this venerable system - never intended to cover all retirement needs - typically pays people 40 percent of what they were earning when they worked. Or maybe you're in a do-it-yourself savings plan. Increasingly, employers are substituting these plans for traditional pensions. Again, Ferguson and Blackwell provide practical suggestions and reliable advice about the pros and cons of IRAs, 401(k)s, and the other tax-sheltered savings arrangements.
Book Synopsis Reimagining Retirement: 9 Keys to True Wealth by : Eric J. Weigel
Download or read book Reimagining Retirement: 9 Keys to True Wealth written by Eric J. Weigel and published by Eric J. Weigel. This book was released on 2022-09-12 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement today is a lot more complex than the retirement of our parents and grandparents. Our expectations for what we want out of life are different from previous generations. We see more possibilities, but we also face more pitfalls and hurdles. We want to not only live longer but live better. We want to enjoy today but must prepare for many tomorrows. We don't want our lives to stop now that our careers no longer define us. We feel capable of doing so many things with our time and life experience. We don't see why we should not keep pushing ahead by learning and experiencing new things and challenging ourselves to keep growing, rather than just wilting away with diminished expectations. Whether you are newly retired or simply in the early stages of planning, the possibilities for what you want to do in the future are endless. As our choices have expanded, we are often left more confused and stressed. More choices imply more decisions and responsibility but Eric J. Weigel shows that the solution to finding joy and fulfillment in the sea of complexity and confusion that characterizes today's retirement world is to start with what you want and then work backward. It involves becoming completely clear about your vision for your Future Self-who you want to be, what you aspire to, and what type of life you want to lead, all in alignment with your core values and beliefs. The clearer you are about your Future Self, the less distracted you'll be with today's complex and endless options. You'll know where you want to go and plan accordingly. You'll deal with today's complexity and the vast range of choices by, ironically, rejecting the majority of possible paths you could take. Your focus will be your strength. In this book, you'll learn how to formulate the vision of your Future Self by combining your values, beliefs, aspirations, and purpose for why this is your chosen destiny. Your Future Self answers your what and why. Along with your vision of your Future Self, you'll need a system for creating the change you want. The 9 Keys to True Wealth encapsulated in the NET WEALTH system cover all major areas of your life. It starts with the traditional drivers of retirement planning-where you live (your NEST), your money situation (EARNINGS), and how you spend your TIME. It then focuses on the other areas of your life that can truly turbo-charge your happiness and fulfillment: sharing your knowledge and experience (WORK), regulating your emotions (EMOTIONAL ENERGY), pursuing meaningful goals (ACHIEVEMENTS), growing spiritually, emotionally, and intellectually (LEARNING), remaining engaged deeply in the lives of family and friends (TRIBE), and staying physically and mentally fit (HEALTH). By designing your own version of your Future Self and adopting the NET WEALTH system you will make more informed and intentional decisions. You'll turn lack of clarity, indecision, and uncertainty into a vision for your life and give you actionable steps for finding happiness and fulfillment. This book is for you if you are ready to take control of a future that: Transforms you from where you are today to where you want to go Unlocks possibilities rather than constraints Looks beyond money Brings joy and fulfillment to your life
Book Synopsis Living with Defined Contribution Pensions by : Olivia S. Mitchell
Download or read book Living with Defined Contribution Pensions written by Olivia S. Mitchell and published by . This book was released on 1998 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Revitalizing Retirement by : Nancy K. Schlossberg
Download or read book Revitalizing Retirement written by Nancy K. Schlossberg and published by American Psychological Association (APA). This book was released on 2009 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: In preparation for retirement, we are often urged to build up our financial portfolio or perhaps downsize our home or move closer to family. Often neglected in this process, however, are the psychological ramifications that come with the transition into retirement. It is important for retirees to make a plan for their retirement financially, but also to take stock of their psychological portfolio at the same time. This means taking an honest look at how your sense of identity will change with retirement, how your relationships and support systems may change, and how your sense of purpose will be affected.""Revitalizing Retirement"" gives unique guidance on how to create a happy, fulfilling retirement. Nancy K. Schlossberg, a counseling psychologist and author of ""Retire Smart"", ""Retire Happy"", describes the secret to a happy retirement. She encourages readers to reshape their identity, relationships, and purpose. She discusses several coping skills that deal with accepting change and help retirees continue to feel that they are vital members of their community and that they matter.Each chapter contains stories from actual retirees that demonstrate the numerous ways of pursuing an enjoyable retirement. There are short quizzes and discussion questions at the end of each chapter so that readers can reflect on what they have read and see exactly how it relates to their own lives. This book is a must-read for anyone considering retirement in the near future as well as current retirees who may be struggling to find happiness in their daily lives.
Book Synopsis An Uncommon Guide to Retirement by : Jeff Haanen
Download or read book An Uncommon Guide to Retirement written by Jeff Haanen and published by Moody Publishers. This book was released on 2019-05-07 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: What am I going to do with my retirement? People talk about retirement like it’s supposed to be an endless vacation. But what if, like the majority of those facing retirement, you can’t afford such a luxury? Or, what if you just want something more from retirement? Some advocate for no retirement at all. But you’ve worked for decades and a rest and reprieve do sound appealing. What should you do? Does God have a purpose for your retirement? Yes, He does. Learn how to discern what it is by taking an uncommon approach. Jeff Haanen looks biblically and practically at the need for rest and purpose in retirement. And teaches you how to: Take a sabbatical rest in early retirement Listen to God’s voice for their calling in retirement Rethink “work” in retirement Understand family systems and leaving a legacy Planning retirement doesn’t have to be distressing. Retire in a way that’s God-honoring, purpose-filled, restful, and truly biblical.
Book Synopsis Twenty Years of Service by : Brandon J. Archuleta
Download or read book Twenty Years of Service written by Brandon J. Archuleta and published by University Press of Kansas. This book was released on 2020-08-06 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Military pension policies are as old as the republic itself and reside at the intersection of American social, economic, and defense policy. But as the nation’s social and economic circumstances underwent dramatic changes over the last half century, military pension policy remained static, stuck in the personnel and retirement model of the industrial age. This book examines why. Integrating policy history, theory, and practice, Twenty Years of Service provides the most comprehensive examination of US military pension policy in a generation. Brandon J. Archuleta sets the stage with an exploration of the rise, evolution, and transformation of the veterans’ policy subsystem from the American Revolution through World War II. The ensuing theoretical overview explains how the military personnel policy subsystem achieved the autonomy it enjoyed from 1948 to 2018; it also offers a new perspective on autonomous policy subsystems in general, which helps to account for the long-term pension policy stasis. In practical terms, Archuleta explores the role of the successful 2015 Military Compensation and Retirement Modernization Commission as an institutional venue for policy change during the congressional budget battles of the 2010s. Through extensive archival research, illustrative case studies, and field interviews with Pentagon bureaucrats, congressional staffers, veterans’ lobbyists, defense scholars, and journalists, Twenty Years of Service brings the policymaking process to life. Its insights will prove invaluable to policy scholars and defense practitioners alike.
Book Synopsis Reimagine Retirement by : C.J. Cagle
Download or read book Reimagine Retirement written by C.J. Cagle and published by B&H Publishing Group. This book was released on 2019-11-05 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Americans are crazy about retirement. Everywhere we look there are books, articles, and websites dedicated to the subject—most of which are about how to get there fast, and how to enjoy it when you’re there. In this book, Chris Cagle, himself a recent retiree, challenges us to reimagine retirement from a distinctly Christian perspective. In the process, he will challenge our typical view of retirement as the ultimate reward for a life of hard work by asking key questions: What does the Bible have to say, if anything, about retirement? What would a God-honoring and glorifying retirement look like? If retirement is probable for most of us, how should we plan for it as wise stewards of the resources God has entrusted to our care? In Reimagine Retirement, Chris answers these and other questions to help us construct a vision of retirement that reflects the values, priorities, and purposes that are most important to God.
Book Synopsis Handbook of the Economics of Population Aging by : John Piggott
Download or read book Handbook of the Economics of Population Aging written by John Piggott and published by Elsevier. This book was released on 2016-11-21 with total page 1146 pages. Available in PDF, EPUB and Kindle. Book excerpt: Handbook of the Economics of Population Aging synthesizes the economic literature on aging and the subjects associated with it, including social insurance and healthcare costs, both of which are of interest to policymakers and academics. These volumes, the first of a new subseries in the Handbooks in Economics, describe and analyze scholarship created since the inception of serious attention began in the late 1970s, including information from general economics journals, from various field journals in economics, especially, but not exclusively, those covering labor markets and human resource issues, from interdisciplinary social science and life science journals, and from papers by economists published in journals associated with gerontology, history, sociology, political science, and demography, amongst others. Dissolves the barriers between policymakers and scholars by presenting comprehensive portraits of social and theoretical issues Synthesizes valuable data on the topic from a variety of journals dating back to the late 1970s in a convenient, comprehensive resource Presents diverse perspectives on subjects that can be closely associated with national and regional concerns Offers comprehensive, critical reviews and expositions of the essential aspects of the economics of population aging
Book Synopsis Pension Funds and Sustainable Investment by :
Download or read book Pension Funds and Sustainable Investment written by and published by Oxford University Press. This book was released on 2023-04-15 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Since its green shoots first emerged around 50 years ago, acceptance of environmental, social, and governance (ESG) considerations in institutional investing-especially at pension funds-has evolved with distinct shifts in investor preferences. This Pension Research Council volume traces these shifts and their implications, leading up to the present day. The book notes that investors have diverse reasons for devoting attention to ESG criteria when deciding where to invest their money. Some had religious motives, such as Quakers who focused on values; this approach can offer some risk mitigation. Nevertheless, studies that look at whether divestment actually changes companies' behaviors show that this rarely occurs. Accordingly, this book offers a variety of distinct viewpoints from a variety of countries, on whether, how, and when ESG criteria should, and should not, drive pension fund investments. The authors also find that policymakers should consider fund consolidation in private sector retirement systems, along with whether service-provider incentives could be better be aligned with sustainability incentives. For instance, boosting transparency in these markets would help generate better-informed policies, while providing beneficiaries with information relevant to their savings choices.
Author :United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions Publisher : ISBN 13 : Total Pages :76 pages Book Rating :4.F/5 ( download)
Book Synopsis Roundtable Discussion by : United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions
Download or read book Roundtable Discussion written by United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions and published by . This book was released on 2015 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Retirement System Risk Management by : Olivia S. Mitchell
Download or read book Retirement System Risk Management written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2016-11-10 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the wake of the worst financial crisis since the Great Depression, lawmakers and regulators around the world have changed the playbook for how banks and other financial institutions must manage their risks and report their activities. The US Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the European System of Financial Supervision (ESFS) is also crafting a framework to supervise regulated financial sector institutions including banks, insurers, pension funds, and asset managers. The implosion of the financial sector has also prompted calls for accounting changes from those seeking to better understand how assets and liabilities are reported. Initially banks were seen by many as the most important focus for regulatory reform, but other institutions are now attracting policymaker attention. There is logic to this in terms of managing systemic risk and ensuring a level playing field that avoids arbitrage between institutional structures. Yet the nature of pension and insurer liabilities is so different from that of bank liabilities that careful attention is needed in drafting appropriate rules. The new rules are having both direct and spill-over effects on retirement systems around the world. The first half of this volume undertakes an assessment of how global responses to the financial crisis are potentially altering how insurers, pension plan sponsors, and policymakers will manage risk in the decades to come. The second half evaluates developments in retirement saving and retirement products, to determine which and how these might help meet shortfalls in retirement provision.
Book Synopsis Remaking Retirement by : Olivia Mitchell
Download or read book Remaking Retirement written by Olivia Mitchell and published by Oxford University Press. This book was released on 2020-10-24 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the types of debt and reasons for debt incurred by the older population, and review policies to remedy some of the financial problems facing older persons, in the US and elsewhere. The authors explore which groups are most affected by debt and identify the factors producing this important increase in leverage at older ages. It is clear that the economic and market environment is influential when it comes to saving and debt. Access to easy borrowing, low interest rates, and the rising cost of education have had significant impacts on how much people borrow, and how much debt they carry at older ages. In this environment, the capacity to manage debt is ever more important as older workers lack the opportunity to recover from mistakes.
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 265 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 Defined Benefit Pension Schemes in the UK by : Philippe-N. Marcaillou
Download or read book Defined Benefit Pension Schemes in the UK written by Philippe-N. Marcaillou and published by Oxford University Press. This book was released on 2016-03-24 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: The goal of Asset-Liability Management (ALM) of a Defined Benefit Pension Scheme (DB) is to properly manage the risks related to variation in its building blocks on both sides of the balance sheet whilst maintaining the same expected return. This book provides a step-by-step methodology to maximize the complete restructuring and monitoring of the ALM of DB schemes. It is a product of the author's 25 years of experience and technical knowledge in ALM of Pension Funds, portfolio management, investment banking and, specifically, more than 700 meetings with investment experts in the Pension Industry. It includes 400 figures and tables to help the reader make appropriate decisions and identify hidden tricks. It provides an in-depth understanding of how an Asset-Liability structure works, how to assess the efficiency of an investment strategy, and how to maximize the management of cash. Liabilities and Liability Driven Investment techniques (LDI) are explained through numerous examples. The book shows the reader how to select the right LDI manager, and how to define a liability hedging strategy and monitor its efficiency. It demonstrates how to build efficient investment portfolios and select the appropriate asset classes, as well as how to build and monitor an efficient risks and performances report. In addition, it shows how the most common financial instruments work, their roles, the basics of statistics, and the principles of portfolio construction. Finally, it provides introduction to Buy-in, Buyout, and Longevity risk management.
