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Trends In Pension Benefit Formulas And Retirement Provisions
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Book Synopsis Trends in Pension Benefit Formulas and Retirement Provisions by : Olivia S. Mitchell
Download or read book Trends in Pension Benefit Formulas and Retirement Provisions written by Olivia S. Mitchell and published by . This book was released on 1991 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: Changes in pension plan retirement formulas and benefit provisions over the last decade are examined, drawing on data collected and tabulated by the U.S. Department of Labor's Employee Benefits Survey of medium and large firms. The evidence shows that pension provisions have changed a great deal over the last decade, among both defined benefit and defined contribution plans. In the defined benefit environment, participation and vesting rules changed substantially; early retirement became more accessible and benefits somewhat more generous; normal retirement ages declined; and pension benefits were increasingly likely to depend on final rather than career earnings. Benefit integration with social security also grew to almost two-thirds of all participants in defined benefit plans. Overall, though pension replacement rates rose slightly over time, benefit ceilings remained pervasive for work at older ages and disability benefit provisions became more stringent. Defined contribution pension plans also changed a great deal over the decade of the 1980s. Workers were increasingly likely to be covered by combinations of defined benefit and defined contribution plans, with the latter usually a savings and thrift plan permitting a lump sum distribution. Profit sharing and stock plans appear to have stagnated during the latter part of the 1980s.
Book Synopsis New Trends in Pension Benefit and Retirement Provisions by : Olivia S. Mitchell
Download or read book New Trends in Pension Benefit and Retirement Provisions written by Olivia S. Mitchell and published by . This book was released on 1999 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study illustrates and interprets changes in pension plan retirement formulas and benefit provisions over the last two decades, using extensive information on private sector pension plans gathered by the U.S. Department of Labor since 1980. Data generated from the Employee Benefits Survey (EBS) of medium and large firms shows that pension provisions have changed a great deal in companies that have traditionally been the most consistent providers of employer-sponsored retirement benefits in the US. In the defined benefit environment, vesting rules were loosened somewhat; plans have eased access to normal retirement; and pension benefit formulas have moved toward final rather than career earnings, with increased weight on straight-time pay. In addition, these plans became more integrated with social security, but the form of this integration has changed substantially. Defined benefit pension replacement rates appear to have fallen over time, though the time series is not complete. In addition, benefit caps remain in place, generally by limiting years of service in the formula; disability benefit provisions have also become more stringent; and it is increasingly possible to take a lump sum from one's defined benefit pension. The defined contribution environment has also seen substantial change, as documented in the BLS series. Participation and vesting rules appear most lenient for workers in 401(k) plans; most employees must contribute to their plans, generally as a function of earnings; and employee access to pension fund assets appears to be on the upswing over time. Participants in these plans have also gained access to diversified stock and bond funds, with fewer permitted to invest in own-employer stock, common stock funds and guaranteed insurance contracts. We conclude with a discussion of how future data collection efforts could be improved
Book Synopsis Trends in Pensions by : John A. Turner
Download or read book Trends in Pensions written by John A. Turner and published by . This book was released on 1989 with total page 524 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis New Trends in Pension Benefits and Retirement Provisions by : Olivia S. Mitchell
Download or read book New Trends in Pension Benefits and Retirement Provisions written by Olivia S. Mitchell and published by . This book was released on 2000 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis An Analysis of Pension Trends in the Provision of Retirement Income by : Jennifer Li-Ling Wang
Download or read book An Analysis of Pension Trends in the Provision of Retirement Income written by Jennifer Li-Ling Wang and published by . This book was released on 1998 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Evolving Pension System by : William G. Gale
Download or read book The Evolving Pension System written by William G. Gale and published by Rowman & Littlefield. This book was released on 2006-01-10 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Evolving Pension System examines the foundations and the future of the private pension system. It provides a broad overview of the underlying assumptions, characteristics, and effects of existing pension policy, as well as alternative views on how public policy toward pensions should evolve in the future. Contributors include Robert Clark (North Carolina State University), Eric Engen (Federal Reserve Board), William G. Gale (Brookings Institution), Theodore Groom (Groom Law Group, Chartered), Daniel Halperin (Harvard), Alicia Munnell (Boston College), Leslie Papke (Michigan State University), Joseph Quinn (Boston College), Sylvester Schieber (Watson Wyatt), John B. Shoven (Stanford), and Jack Vanderhei (Temple University and EBRI). William G. Gale is the Joseph A. Pechman Fellow in the Economic Studies program at the Brookings Institution. John B. Shoven is Charles R. Schwab Professor at Stanford University. Mark J. Warshawsky is director of research at the TIAA-CREF Institute.
Book Synopsis Reforming Pensions by : Nicholas Barr
Download or read book Reforming Pensions written by Nicholas Barr and published by Oxford University Press. This book was released on 2009-11-30 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mandatory pensions are a worldwide phenomenon. However, with fixed contribution rates, monthly benefits, and retirement ages, pension systems are not consistent with three long-run trends: declining mortality, declining fertility, and earlier retirement. Many systems need reform. This book gives an extensive nontechnical explanation of the economics of pension design. The theoretical arguments have three elements: * Pension systems have multiple objectives--consumption smoothing, insurance, poverty relief, and redistribution. Good policy needs to bear them all in mind. * Good analysis should be framed in a second-best context-- simple economic models are a bad guide to policy design in a world with imperfect information and decision-making, incomplete markets and taxation. * Any choice of pension system has risk-sharing and distributional consequences, which the book recognizes explicitly. Barr and Diamond's analysis includes labor markets, capital markets, risk sharing, and gender and family, with comparison of PAYG and funded systems, recognizing that the suitable level of funding differs by country. Alongside the economic principles of good design, policy must also take account of a country's capacity to implement the system. Thus the theoretical analysis is complemented by discussion of implementation, and of experiences, both good and bad, in many countries, with particular attention to Chile and China.
Book Synopsis New Trends in Pension Benefit and Retirement Provisions by :
Download or read book New Trends in Pension Benefit and Retirement Provisions written by and published by . This book was released on 1999 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Innovations and Trends in Pension Plan Coverage, Pension Type and Plan Design by : Olivia S. Mitchell
Download or read book Innovations and Trends in Pension Plan Coverage, Pension Type and Plan Design written by Olivia S. Mitchell and published by . This book was released on 1992 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Reforming Pensions by : Nicholas Barr
Download or read book Reforming Pensions written by Nicholas Barr and published by Oxford University Press. This book was released on 2009-11-30 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mandatory pensions are a worldwide phenomenon. However, with fixed contribution rates, monthly benefits, and retirement ages, pension systems are not consistent with three long-run trends: declining mortality, declining fertility, and earlier retirement. Many systems need reform. This book gives an extensive nontechnical explanation of the economics of pension design. The theoretical arguments have three elements: * Pension systems have multiple objectives--consumption smoothing, insurance, poverty relief, and redistribution. Good policy needs to bear them all in mind. * Good analysis should be framed in a second-best context-- simple economic models are a bad guide to policy design in a world with imperfect information and decision-making, incomplete markets and taxation. * Any choice of pension system has risk-sharing and distributional consequences, which the book recognizes explicitly. Barr and Diamond's analysis includes labor markets, capital markets, risk sharing, and gender and family, with comparison of PAYG and funded systems, recognizing that the suitable level of funding differs by country. Alongside the economic principles of good design, policy must also take account of a country's capacity to implement the system. Thus the theoretical analysis is complemented by discussion of implementation, and of experiences, both good and bad, in many countries, with particular attention to Chile and China.
Book Synopsis Pension Planning by : Walter J. Couper
Download or read book Pension Planning written by Walter J. Couper and published by . This book was released on 1954 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Facts and Trends in Insured Pensions ... from an Analysis of 600 Group Plans by : Connecticut General Life Insurance Company
Download or read book Facts and Trends in Insured Pensions ... from an Analysis of 600 Group Plans written by Connecticut General Life Insurance Company and published by . This book was released on 1958 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Pensions written by Henry J. Mullen and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of retired Americans rely on defined benefit pension plans for their financial well-being. Recent reports have noted that some plans are investing in 'alternative' investments such as hedge funds and private equity funds. To better understand this trend and its implications, this book examines the extent to which plans invest in hedge funds and private equity, the potential benefits and challenges of hedge fund investments, the potential benefits and challenges of private equity investments and what mechanisms regulate and monitor pension plan investments in hedge funds and private equity. Moreover, this book examines common 401(k) plan features and challenges sponsors face in fulfilling their fiduciary obligations when overseeing plan operations. In addition, the ageing of the American population has made retirement income an issue of increasing concern to the Congress and the public. This book summarises recent trends in pension sponsorship, labour force participation and social security issues. This book consists of public documents which have been located, gathered, combined, reformatted, and enhanced with a subject index, selectively edited and bound to provide easy access.
Book Synopsis Trends in Retirement Systems and Lessons for Reform by : Olivia S. Mitchell
Download or read book Trends in Retirement Systems and Lessons for Reform written by Olivia S. Mitchell and published by World Bank Publications. This book was released on 1993 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Howard E. Winklevoss Publisher :University of Pennsylvania Press ISBN 13 :9780812231960 Total Pages :342 pages Book Rating :4.2/5 (319 download)
Book Synopsis Pension Mathematics with Numerical Illustrations by : Howard E. Winklevoss
Download or read book Pension Mathematics with Numerical Illustrations written by Howard E. Winklevoss and published by University of Pennsylvania Press. This book was released on 1993-03-29 with total page 342 pages. Available in PDF, EPUB and Kindle. Book excerpt: A text that quantifies and provides new or improved actuarial notation for long recognized pension cost concepts and procedures and, in certain areas, develops new insights and techniques. With the exception of the first few chapters, the text is a virtual rewrite of the first edition of 1977. Among the major additions are chapters on statutory funding requirements, pension accounting, funding policy analysis, asset allocation, and retiree health benefits.
Book Synopsis Pension Planning by : Everett T. Allen
Download or read book Pension Planning written by Everett T. Allen and published by Irwin Professional Publishing. This book was released on 1992 with total page 518 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Controlling Retiree and Employee Benefits Costs by :
Download or read book Controlling Retiree and Employee Benefits Costs written by and published by . This book was released on 1990 with total page 522 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Prepared for distribution at the Controlling retiree and employee benefits costs : current trends in employee benefits program, March 13, 1990"--Page 5.
