Private Pensions and Individual Saving
| Author | : George Katona |
| Publisher | : |
| Total Pages | : 140 |
| Release | : 1965 |
| Genre | : Old age pensions |
| ISBN | : |
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Private Pensions And Individual Saving
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Pensions in the U.S. Economy
| Author | : Zvi Bodie |
| Publisher | : University of Chicago Press |
| Total Pages | : 214 |
| Release | : 2008-04-15 |
| Genre | : Business & Economics |
| ISBN | : 0226062910 |
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Pensions in the U.S. Economy is the fourth in a series on pensions from the National Bureau of Economic Research. For both economists and policymakers, this volume makes a valuable contribution to current research on pensions and the economics of the elderly. The contributors report on retirement saving of individuals and the saving that results from corporate funding of pension plans, and they examine particular aspects of the plans themselves from the employee's point of view. Steven F. Venti and David A. Wise offer a careful analysis of who contributes to IRAs and why. Benjamin M. Friedman and Mark Warshawsky look at the reasons more retirement saving is not used to purchase annuities. Personal saving through pension contribution is discussed by B. Douglas Bernheim and John B. Shoven in the context of recent government and corporate pension funding changes. Michael J. Boskin and John B. Shoven analyze indicators of the economic well-being of the elderly, addressing the problem of why a large fraction of the elderly remain poor despite a general improvement in the economic status of the group as a whole. The relative merits of defined contribution versus defined benefit plans, with emphasis on the risk aspects of the two types of plans for the individual, are examined by Zvi Bodie, Alan J. Marcus, and Robert C. Merton. In the final paper, pension plans and worker turnover are the focus of the discussion by Edward P. Lazear and Robert L. Moore, who propose pension option value rather than the commonly used accrued pension wealth as a measure of pension value.
Aging and the Macroeconomy
| Author | : National Research Council |
| Publisher | : National Academies Press |
| Total Pages | : 230 |
| Release | : 2013-01-10 |
| Genre | : Social Science |
| ISBN | : 0309261961 |
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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.
Public Policies and Household Saving
| Author | : James M. Poterba |
| Publisher | : University of Chicago Press |
| Total Pages | : 216 |
| Release | : 2007-12-01 |
| Genre | : Business & Economics |
| ISBN | : 0226676293 |
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The declining U.S. national saving rate has prompted economists and policymakers to ask, should the federal government encourage household saving, and if so, through which policies? In order to better understand saving programs, this volume provides a systematic and detailed description of saving policies in the G-7 industrialized nations: the United States, Canada, France, Germany, Italy, Japan, and the United Kingdom. Each of the seven chapters focuses on one country and addresses a core set of topics: types of accumulated household savings and debt; tax policies toward capital income; saving in the form of public and private pensions, including Social Security and similar programs; saving programs that receive special tax treatment; and saving through insurance. This detailed summary of the saving incentives of the G-7 nations will be an invaluable reference for policymakers and academics interested in personal saving behavior.
Personal Saving, Personal Choice
| Author | : David A. Wise |
| Publisher | : Hoover Press |
| Total Pages | : 116 |
| Release | : 1999 |
| Genre | : Individual retirement accounts |
| ISBN | : 9780817997137 |
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Private Pensions and Public Policies
| Author | : William G. Gale |
| Publisher | : Rowman & Littlefield |
| Total Pages | : 416 |
| Release | : 2004-04-21 |
| Genre | : Business & Economics |
| ISBN | : 0815796420 |
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The private pension system, together with Social Security, has provided millions of Americans with income security in retirement. But over the past thirty years, pension coverage has stagnated, leaving behind some vulnerable groups. Defined contribution plans have exposed workers to greater investment risk, while cash balance and other hybrid plans may have adverse effects on older workers caught in the transition. Pension regulations, infamous for their complexity, can be bewildering to policy analysts and policymakers. Private Pensions and Public Policies sheds timely and much-needed light on specific issues within the broader context and framework of pension reform. Contributors focus on topics that must be addressed in any reform effort, including the effects of the shift in emphasis toward defined contribution plans (after the 1974 Employee Retirement Income and Security Act) and hybrid plans (from the 1990s); regulatory issues such as nondiscrimination rules and contribution limits; how to increase the information available to participants and improve financial education; how participants in defined contribution plans make choices on questions such as asset allocation, back-loaded versus front-loaded saving, and annuities versus lump sum distributions; and the interaction of the private pension system with Social Security. Contributors include Robert L. Clark (North Carolina State University), Sylvester J. Schieber (Watson Wyatt Worldwide), Richard A. Ippolito (George Mason University School of Law), Alan L. Gustman (Dartmouth College), Thomas L. Steinmeier (Texas Tech University), John Karl Scholz (University of Wisconsin), Dean M. Maki, (JPMorgan Chase), William Even (Miami University of Ohio), Jagadeesh Gokhale (American Enterprise Institute), Laurence J. Kotlikoff (Boston University), Mark J. Warshawsky (TIAA-CREF Institute), Annika Sunden (Boston College), Andrew A. Samwick (Dartmouth College), David A. Wise (Harvard University), Joel Dickson (T
Social Security and Private Pensions
| Author | : Susan M. Wachter |
| Publisher | : Free Press |
| Total Pages | : 264 |
| Release | : 1988 |
| Genre | : Business & Economics |
| ISBN | : |
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Private Pensions
| Author | : United States Government Accountability Office |
| Publisher | : Createspace Independent Publishing Platform |
| Total Pages | : 66 |
| Release | : 2017-09-15 |
| Genre | : |
| ISBN | : 9781976387975 |
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Over the last 25 years, pension coverage has shifted primarily from "traditional" defined benefit (DB) plans, in which workers accrue benefits based on years of service and earnings, toward defined contribution (DC) plans, in which participants accumulate retirement balances in individual accounts. DC plans provide greater portability of benefits, but shift the responsibility of saving for retirement from employers to employees. This report addresses the following issues: (1) What percentage of workers participate in DC plans, and how much have they saved in them? (2) How much are workers likely to have saved in DC plans over their careers and to what degree do key individual decisions and plan features affect plan saving? (3) What options have been recently proposed to increase DC plan coverage, participation, and savings? GAO analyzed data from the Federal Reserve Board's 2004 Survey of Consumer Finances (SCF), the latest available, utilized a computer simulation model to project DC plan balances at retirement, reviewed academic studies, and interviewed experts.
Forced Saving
| Author | : Hazel Bateman |
| Publisher | : Cambridge University Press |
| Total Pages | : 278 |
| Release | : 2001-11-20 |
| Genre | : Biography & Autobiography |
| ISBN | : 9780521484718 |
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Forced Saving, first published in 2001, offers an analysis of pension policy from an economic perspective. It begins with an overview of the problem of population ageing around the world, and then provides a framework within which policy responses may be consistently assessed. It focuses on the 'mandating' approach to retirement income policy, in which governments are compelling individuals - or their employers - to take on this responsibility, at least in part. The role of government becomes limited to one of mandating contributions from wages, along with regulating private fund managers to a greater or lesser extent. The authors explore the implications of introducing such a policy reform. They argue that while there is no universal agreement on the relative costs and benefits of this policy approach, there are often some advantages to moving at least some distance down the mandating path.
The Future of Private Pension Plans
| Author | : Norman B. Ture |
| Publisher | : Washington : American Enterprise Institute for Public Policy Research |
| Total Pages | : 152 |
| Release | : 1976 |
| Genre | : Law |
| ISBN | : |
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Monograph on the growth prospects of private pension schemes in the USA - considers the implications for private pension schemes of current trends in inflation, the projected growth of social security, and the costs of conforming to the employee's retirement income security act of 1974 (legal aspects). Graphs, references and statistical tables.
