Workplace Pensions Review

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The Labor Guide to Retirement Plans

Author : James W. Russell
Publisher : NYU Press
ISBN 13 : 1583679359
Total Pages : 281 pages
Book Rating : 4.5/5 (836 download)

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Book Synopsis The Labor Guide to Retirement Plans by : James W. Russell

Download or read book The Labor Guide to Retirement Plans written by James W. Russell and published by NYU Press. This book was released on 2021-11-22 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: An essential resource for workers navigating their retirement and pension options, from the labor organizer's perspective. Researching retirement plans should not take the rest of your life, even if deciphering the relevant paperwork seems to have become a full-time job. Deliberately elaborate legalese is obscuring the efforts of financial elites to seize control of workers' collective retirement savings—and The Labor Guide to Retirement Plans is here to translate. Neoliberal retirement reforms have escalated elites' efforts to replace guaranteed workplace retirement plans with weak 401(k)-like savings accounts and risky stock market investment schemes. The result is arguably the largest source of labor value expropriation over the last four decades. In light of all this, what do workers need to know as they assess their future prospects—especially in terms of the security their retirement plans may or may not bring? What should union activists keep in mind as they push for the national and workplace reforms needed to produce greater retirement security? This nuts-and-bolts book provides a much-needed demystification of the retirement system. Even more than that The Labor Guide to Retirement Plans enables us to take charge of our own personal futures, as a first step towards taking back what belongs to us all.

Monthly Labor Review

Author :
Publisher :
ISBN 13 :
Total Pages : 112 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Monthly Labor Review by :

Download or read book Monthly Labor Review written by and published by . This book was released on 1992-02 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: Publishes in-depth articles on labor subjects, current labor statistics, information about current labor contracts, and book reviews.

Automatic enrolment in workplace pensions and the National Employment Savings Trust

Author : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Publisher : The Stationery Office
ISBN 13 : 9780215042972
Total Pages : 238 pages
Book Rating : 4.0/5 (429 download)

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Book Synopsis Automatic enrolment in workplace pensions and the National Employment Savings Trust by : Great Britain: Parliament: House of Commons: Work and Pensions Committee

Download or read book Automatic enrolment in workplace pensions and the National Employment Savings Trust written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2012-03-15 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Government established NEST as a low-cost pension scheme to help deliver the auto-enrolment programme and to address a market failure in the pensions industry which meant that many employers and employees were unable to access low-cost, good quality pension provision. However, the Committee believes that certain restrictions placed on NEST will create complexity for employers and will disadvantage some employees. The Committee's report recommends that, if state aid rules allow, the Government should remove the following restrictions: the cap on the annual contributions an individual can make to a NEST scheme; and the ban on individuals transferring existing pension pots into NEST. The Committee further urges the Government to proceed with its plans for State Pension reform, introducing a flat-rate State Pension and reducing the level of means-testing without delay. The report also highlights the difficulties and complexity employers and employees currently face in comparing the fees and charges applied by pension providers and recommends that, from 2013 onwards, if some auto-enrolment schemes still have hidden charges, or charges that represent poor value for money, the Government should use its powers to intervene. Auto-enrolment will impose new costs and may be particularly challenging for small employers however the Committee considers that the Government has taken appropriate steps to minimise the impact on businesses through its gradual and flexible approach ("staging and phasing") to implementation. Exempting small employers would create significant complexity, as well as excluding many employees from the benefits of workplace pension saving

Finance and Occupational Pensions

Author : Charles Sutcliffe
Publisher : Springer
ISBN 13 : 1349948632
Total Pages : 325 pages
Book Rating : 4.3/5 (499 download)

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Book Synopsis Finance and Occupational Pensions by : Charles Sutcliffe

Download or read book Finance and Occupational Pensions written by Charles Sutcliffe and published by Springer. This book was released on 2016-11-25 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: Occupational pensions are major participants in global financial markets with assets of well over $30 trillion, representing more than 40% of the assets of institutional investors. Some occupational pension funds control assets of over $400 billion, and the largest 300 occupational pension funds each have average assets of over $50 billion. The assets of UK pension funds are equivalent to UK GDP, and US pension fund assets are 83% of US GDP. These statistics highlight the importance of pension funds as major players in financial markets, and the need to understand the behaviour of these large institutional investors. Occupational pensions also play an important, but neglected, role in corporate finance. For example, US company pension schemes account for over 60% of company market value, and yet they are often ignored when analysing companies. This book is based on the substantial body of evidence available from around the world on a topic that has become increasingly important and controversial in recent years. Written for practitioners, students and academics, this book brings together and systematizes a very large international literature from financial economists, actuaries, practitioners, professional organizations, official documents and reports. The underlying focus is the application of the principles of financial economics to occupational pensions, including the work of Nobel laureates such as Merton, Markowitz, Modigliani, Miller and Sharpe, as well as Black. This book will give readers an up-to-date understanding of occupational pensions, the economic issues they face, and some suggestions of how these issues can be tackled. The first section explains the operation of defined benefit and defined contribution pensions, along with some descriptive statistics. The second section covers selected aspects of occupational pensions. The focus of these first two sections is on the economic and financial aspects of pensions, accompanied by some basic information on how they operate. This is followed by three further sections that analyse the investment of pension funds, the corporate finance implications of firms providing pensions for their employees, and annuities.

Reinvigorating Workplace Pensions

Author : Great Britain: Department for Work and Pensions
Publisher : The Stationery Office
ISBN 13 : 9780101847827
Total Pages : 64 pages
Book Rating : 4.8/5 (478 download)

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Book Synopsis Reinvigorating Workplace Pensions by : Great Britain: Department for Work and Pensions

Download or read book Reinvigorating Workplace Pensions written by Great Britain: Department for Work and Pensions and published by The Stationery Office. This book was released on 2012-11-22 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The UK's pensions system is need of reform for two primary reasons. Firstly, the UK has an aging population and secondly, working age people are not saving enough to meet their expectations of income on retirement. The Government has already begun to set in train a series of reforms. In particular it has brought forward plans to increase State Pension age; set out proposals to create a single-tier State Pension to provide a firm foundation for saving for retirement; and introduced automatic enrolment into workplace pensions. We do, though, also need to ensure that those people saving privately for their retirement are doing so in high quality schemes. This strategy sets out the key issues which need to be tackled. The reinvigoration objectives include: increase the amount people are saving in pensions; increase the amount people receive for their savings; enable industry innovation to develop products which will give more certainly about pensions; increase transparency; and ensure the sustainability and stability of the UK pension system.

Meeting future workplace pension challenges

Author : Great Britain: Department for Work and Pensions
Publisher : The Stationery Office
ISBN 13 : 9780101818421
Total Pages : 68 pages
Book Rating : 4.8/5 (184 download)

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Book Synopsis Meeting future workplace pension challenges by : Great Britain: Department for Work and Pensions

Download or read book Meeting future workplace pension challenges written by Great Britain: Department for Work and Pensions and published by The Stationery Office. This book was released on 2011-12-15 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The UK pension landscape is undergoing a transformation. Automatic enrolment will result in millions of people saving for their retirement for the first time. We will see employers taking on new duties to enrol their workers into a pension and contribute to this scheme. Membership of defined contribution (DC) pension schemes will also increase. But the onset of automatic enrolment and the changing pension landscape also brings challenges. To successfully achieve a cultural shift so that pension saving becomes the norm, we need to make sure that money put into pension saving stays there. The short-service refund rules for DC occupational pension schemes work against this principle. It is therefore planned to abolish these rules retain £70 - 130 million per year in pension saving. This will hopefully happen as soon as 2014 provided it is possible to implement an accompanying solution for small pension pot transfers at the same time. This paper presents three broad approaches to initiate debate about how best to address the problem of small pension pots: relatively minor changes to the current voluntary transfer system; automatic consolidation of small pensions in an aggregator scheme; and pensions automatically moving with people from job to job.

Governance and Best Practice in Workplace Pension Provision

Author : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Publisher : The Stationery Office
ISBN 13 : 9780215054128
Total Pages : 256 pages
Book Rating : 4.0/5 (541 download)

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Book Synopsis Governance and Best Practice in Workplace Pension Provision by : Great Britain: Parliament: House of Commons: Work and Pensions Committee

Download or read book Governance and Best Practice in Workplace Pension Provision written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2013-02-12 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Pensions and Legal Policy

Author : Amanda Cooke
Publisher : Bloomsbury Publishing
ISBN 13 : 1509929398
Total Pages : 257 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Pensions and Legal Policy by : Amanda Cooke

Download or read book Pensions and Legal Policy written by Amanda Cooke and published by Bloomsbury Publishing. This book was released on 2021-02-11 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores the historical position of pensions law in the UK and the recent influences which have led to the introduction of Auto-Enrolment and subsequent reforms. Alternative models, such as the US and Australia, are also considered as well as the function of law in bringing about political changes. The question of saving for retirement is of national and international importance and many governments are wrestling with the issue of how to deal with the pension funding crisis. Consequently political policy has, in many cases, combined with behavioural science to inform new laws which have acted to shift the burden from the state into the private sector. Around the world responsibility is being moved onto individuals and employers as the state retreats from provision of state support in retirement; this book offers a sophisticated analysis of the role of legal intervention to facilitate this shift. The book explores the work of behavioural economics, its global influence on understanding financial decision-making and its application to legislation which seeks to influence consumer outcomes. Drawing on qualitative empirical research to explore the experience of implementation of Auto-Enrolment, this timely work considers the interaction with the work of behavioural science to highlight the social costs of the new regulatory regime.

Is Work Good for Your Health and Well-being?

Author : Gordon Waddell
Publisher : The Stationery Office
ISBN 13 : 0117036943
Total Pages : 260 pages
Book Rating : 4.1/5 (17 download)

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Book Synopsis Is Work Good for Your Health and Well-being? by : Gordon Waddell

Download or read book Is Work Good for Your Health and Well-being? written by Gordon Waddell and published by The Stationery Office. This book was released on 2006-09-06 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Increasing employment and supporting people into work are key elements of the Government's public health and welfare reform agendas. This independent review, commissioned by the Department for Work and Pensions, examines scientific evidence on the health benefits of work, focusing on adults of working age and the common health problems that account for two-thirds of sickness absence and long-term incapacity. The study finds that there is a strong evidence base showing that work is generally good for physical and mental health and well-being, taking into account the nature and quality of work and its social context, and that worklessness is associated with poorer physical and mental health. Work can be therapeutic and can reverse the adverse health effects of unemployment, in relation to healthy people of working age, for many disabled people, for most people with common health problems and for social security beneficiaries.

Financial Inclusion

Author : Prabhakar, Rajiv
Publisher : Policy Press
ISBN 13 : 1447345460
Total Pages : 178 pages
Book Rating : 4.4/5 (473 download)

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Book Synopsis Financial Inclusion by : Prabhakar, Rajiv

Download or read book Financial Inclusion written by Prabhakar, Rajiv and published by Policy Press. This book was released on 2021-01-20 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Should the public play a greater role within the financial system? Decisions about money are a part of our everyday lives. Supporters promote financial inclusion as a way of helping people navigate decisions about money. However, critics fear these policies promote the financialisation of the welfare state and turn citizens into consumers. Presenting a nuanced, critical analysis of financial inclusion, Rajiv Prabhakar brings together the supportive and critical literatures which have, until now, developed in parallel. Addressing key issues including the poverty premium, financial capability and housing, this essential dialogue advances crucial public, academic and policy debates and proposes alternative paths forward.

Routledge Handbook of Corporate Law

Author : Roman Tomasic
Publisher : Routledge
ISBN 13 : 1317662164
Total Pages : 493 pages
Book Rating : 4.3/5 (176 download)

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Book Synopsis Routledge Handbook of Corporate Law by : Roman Tomasic

Download or read book Routledge Handbook of Corporate Law written by Roman Tomasic and published by Routledge. This book was released on 2016-11-10 with total page 493 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Routledge Handbook of Corporate Law provides an accessible overview of current research in the field, from an international and comparative perspective. In recent years there has been an explosion of corporate law research, as this area of law continues to develop rapidly throughout the world. Traditionally, Anglo–American corporate law theory has dominated debates and publications; however, this handbook readdresses the balance by exploring the treatment of corporate law in both Europe and Asia, as well developments in the US and UK. Bringing together a wide range of key thinkers in the field, this volume is divided into three main parts: Thinking about corporate law Corporate law principles and governance Some cross-cultural comparisons Providing up-to-date and authoritative articles covering all the key aspects of corporate law, this reference work is essential reading for advanced students, scholars and practitioners in the field.

Improving Governance and Best Practice in Workplace Pensions

Author : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Publisher : The Stationery Office
ISBN 13 : 9780215056979
Total Pages : 64 pages
Book Rating : 4.0/5 (569 download)

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Book Synopsis Improving Governance and Best Practice in Workplace Pensions by : Great Britain: Parliament: House of Commons: Work and Pensions Committee

Download or read book Improving Governance and Best Practice in Workplace Pensions written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2013-04-25 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The introduction of auto-enrolment makes rigorous pension scheme governance essential. This Report calls on the Government to reassess the case for establishing one body with sole responsibility for regulating workplace pensions. There are concerns over current gaps in regulation and the potential for further gaps to arise as a result of now having three regulators, the Pensions Regulator; and the new Financial Conduct Authority and Prudential Regulation Authority, set up to replace the FSA. The Report argues that a single regulator is necessary to ensure that all members of workplace pension schemes are adequately and consistently protected. It also highlights that deferred-member charges and member-borne consultancy charges have the potential to cause serious consumer detriment. It recommends that both are banned by the Government, if significant progress is not made in the very near future by the industry towards ending them. There is particular concern about member-borne consultancy charges and those charges applied to deferred members - people who stop contributing to their pension scheme. The trend towards lower pension scheme charges is welcome. However, a good average is not sufficient and there is potential for consumer detriment in schemes that persist in retaining high charges. The Government should also regularly review its policy on capping charges for auto-enrolment schemes. Consumers are also continuing to lose out when they buy annuities because pension providers are not doing enough to ensure people are aware that they can shop around for the best annuity rate rather than being obliged to buy an annuity from their pension provider.

Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710

Author : Great Britain: Department for Work and Pensions
Publisher : The Stationery Office
ISBN 13 : 9780101871020
Total Pages : 74 pages
Book Rating : 4.8/5 (71 download)

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Book Synopsis Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710 by : Great Britain: Department for Work and Pensions

Download or read book Department for Work and Pensions: Public Consultation: Reshaping Workplace Pensions for Future Generations - Cm. 8710 written by Great Britain: Department for Work and Pensions and published by The Stationery Office. This book was released on 2013-11-07 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Reinvigorating workplace pensions1 published last November, the Government set out to explore whether there was scope for a new category of defined ambition (DA) pensions that would complement the defined benefit (DB) and defined contribution (DC) structures that currently dominate the market. Automatic enrolment and the single-tier State Pension will provide a firm foundation for saving for retirement. But if the current forms of DC pension saving become the default alternative to traditional DB, the pension income of future generations from workplace pensions will be more uncertain than for past generations. Over the last 12 months the DA project - a joint project between DWP and the pensions industry - has been exploring options in a middle ground. The Government proposes that the regulation of workplace pension schemes should not focus on the detail of benefit design but on what is important to the member: ensuring that any promise or guarantee, whether from the sponsoring employer or scheme, provider is delivered. This Government proposes to make it easier for employers to sponsor new pension schemes where benefits accrue on a specified basis (e.g. related to salary); and also to allow additional flexibilities for future accruals only within existing DB schemes, including the possibility of allowing a statutory override to facilitate these changes. The new flexibility will remove constraints from the existing legislative framework while still giving employees the certainty of a pension scheme where the benefits are defined (such as in relation to their salary) with the security of the promise being sponsored by their employer

The Age of Ageing Better?

Author : Anna Dixon
Publisher : Bloomsbury Publishing
ISBN 13 : 1472960742
Total Pages : 305 pages
Book Rating : 4.4/5 (729 download)

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Book Synopsis The Age of Ageing Better? by : Anna Dixon

Download or read book The Age of Ageing Better? written by Anna Dixon and published by Bloomsbury Publishing. This book was released on 2020-06-11 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Dr Anna Dixon has written a must-read for anyone interested in the future of ageing. Learn from one of the best informed about an issue, and opportunity, that is facing us all.' - Andy Briggs, Head of FTSE 100 life insurer Phoenix Group 'A very important book' - Sir Muir Gray The Age of Ageing Better? takes a radically different view of what our ageing society means. Dr Anna Dixon turns the misleading and depressing narrative of burden and massive extra cost of people living longer on its head and shows how our society could thrive if we started thinking differently. This book shines a spotlight on how as a society we're currently failing to respond to the shifting age profile – and what needs to change. Examining key areas of society including health, financial security, where and how people live, and social connections, Anna Dixon presents a refreshingly optimistic vision for the future that could change the way we value later life in every sense.

Parliamentary Debates (Hansard).

Author : Great Britain. Parliament. House of Commons
Publisher :
ISBN 13 :
Total Pages : 620 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Parliamentary Debates (Hansard). by : Great Britain. Parliament. House of Commons

Download or read book Parliamentary Debates (Hansard). written by Great Britain. Parliament. House of Commons and published by . This book was released on 2012 with total page 620 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Fitness for Work

Author : John Hobson
Publisher : Oxford University Press
ISBN 13 : 0192536400
Total Pages : 861 pages
Book Rating : 4.1/5 (925 download)

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Book Synopsis Fitness for Work by : John Hobson

Download or read book Fitness for Work written by John Hobson and published by Oxford University Press. This book was released on 2019-02-21 with total page 861 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 'bible' of occupational health, Fitness for Work is the most in-depth and comprehensive resource available on the relationship between ill health and employment. The specialist advice given covers health hazards in the work place, fitness for work, and rehabilitation after illness or injury. A truly current source, it discusses the social aspects of work, and problems associated with our ageing workforce and changing population. Communicating occupational health advice to patients, employees, and doctors, Fitness for Work improves relationships in the workplace. It details the impact of a patient's health on work, and how they can be supported to gain or remain in employment. This invaluable source argues that in a suitable role, an employee can derive immense benefits to their health and well-being from work. Importantly, this comprehensive title also presents tactics on how to reduce inappropriate barriers to work for those who have overcome an injury or disease, and those who live with chronic conditions. Fully revised and updated, the sixth edition of Fitness for Work is based on the latest research evidence and clinical advances. The first half of the book focuses on the general principles of fitness to work and occupational health practice, such as legal aspects, ethical principles, health promotion, health surveillance and general principles of rehabilitation. In addition, it advises on sickness absence, ill health retirement, medication, transport, vibration and travel. In the second half of the book, chapters are arranged by clinical speciality or topic, and are co-authored by a topic specialist and a specialist occupational physician providing a comprehensive view of the subject. For effortless reference, each specialty chapter outlines the conditions covered, their prevalence and impact, and discusses the clinical aspects and treatment that affects work capacity. All recommendations are evidence-based and make use of the NICE guidelines. The definitive text on the relationship between health and work, Fitness for Work delivers a wealth of valuable consensus guidance, codes of practice, and locally evolved standards. This highly-regarded resource is essential for all occupational health practitioners.

Retirement Heist

Author : Ellen E. Schultz
Publisher : National Geographic Books
ISBN 13 : 1591845653
Total Pages : 0 pages
Book Rating : 4.5/5 (918 download)

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Book Synopsis Retirement Heist by : Ellen E. Schultz

Download or read book Retirement Heist written by Ellen E. Schultz and published by National Geographic Books. This book was released on 2012-10-30 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Winner of the 2012 Helen Bernstein Book Award for Excellence in Journalism Hundreds of companies have slashed pensions and health coverage for millions of retirees, claiming that a “perfect storm” of stock market losses, aging workers, and spiraling costs have forced them to take drastic measures. But this so-called retirement crisis is no accident. Ellen E. Schultz, an award-winning investigative reporter formerly of The Wall Street Journal, reveals how large employers and the retirement industry have all played a huge and hidden role in the death spiral of American pensions and benefits. A little over a decade ago, pension plans were fat. But companies used slick accounting and dubious loopholes to turn their pension plans into piggy banks, tax shelters, and profit centers. As pensions weakened, companies slashed benefits for workers while doling out gargantuan pensions to their top executives. Drawing on original analysis of company data, government filings, and confidential memos, Schultz uncovers decades of widespread deception during which employers exaggerated their retiree burdens while tricking employees, misleading shareholders, and lobbying for taxpayer handouts.