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Reshaping Retirement Security

Reshaping Retirement Security PDF Author: Raimond Maurer
Publisher: Oxford University Press
ISBN: 0191636304
Category : Business & Economics
Languages : en
Pages :

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Book Description
The worldwide financial crisis has wrought deep changes in capital and labor markets, old-age retirement systems, and household retirement and consumption patterns. Confidence has been shaken in both the traditional defined benefit and defined contribution plans. Around the world, plan sponsors, fiduciaries, policymakers, and households have gained a new awareness of retirement risk. When pressed to reform post-crisis, many would recommend enhancing financial advice for plan participants, emphasizing flexibility and the positive effect of working another one or two years to make up for investment losses in the downturn. Adding to this is the continuing need for financial education, essential as the retirement system moves increasingly toward personal account pensions. Perhaps most important of all is the need for greater understanding of risk throughout the retirement security system, along with new approaches to re-engineering retirement pensions. This volume explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans resulting from the financial crisis. It aims to rethink retirement in the new economic era, including the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.

Reshaping Retirement Security

Reshaping Retirement Security PDF Author: Raimond Maurer
Publisher: Oxford University Press
ISBN: 0191636304
Category : Business & Economics
Languages : en
Pages :

View

Book Description
The worldwide financial crisis has wrought deep changes in capital and labor markets, old-age retirement systems, and household retirement and consumption patterns. Confidence has been shaken in both the traditional defined benefit and defined contribution plans. Around the world, plan sponsors, fiduciaries, policymakers, and households have gained a new awareness of retirement risk. When pressed to reform post-crisis, many would recommend enhancing financial advice for plan participants, emphasizing flexibility and the positive effect of working another one or two years to make up for investment losses in the downturn. Adding to this is the continuing need for financial education, essential as the retirement system moves increasingly toward personal account pensions. Perhaps most important of all is the need for greater understanding of risk throughout the retirement security system, along with new approaches to re-engineering retirement pensions. This volume explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans resulting from the financial crisis. It aims to rethink retirement in the new economic era, including the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.

Reshaping Retirement Security

Reshaping Retirement Security PDF Author:
Publisher:
ISBN: 9780191745058
Category : Finance, Personal
Languages : en
Pages :

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Book Description
This title explores the lessons to be learnt for retirement planning and long-term financial security in view of the financial crisis. It rethinks the resilience of defined contribution plans and how defined benefit plans reacted to the crisis.

Reshaping Retirement Security: Rethinking the resilience of defined contribution plans

Reshaping Retirement Security: Rethinking the resilience of defined contribution plans PDF Author: Raimond Maurer
Publisher:
ISBN: 9786613969392
Category : Finance, Personal
Languages : en
Pages : 287

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Book Description
The worldwide financial crisis has wrought deep changes in capital and labor markets, old-age retirement systems, and household retirement and consumption patterns. Confidence has been shaken in both the traditional defined benefit and defined contribution plans. Around the world, plan sponsors, fiduciaries, policymakers, and households have gained a new awareness of retirement risk. When pressed to reform post-crisis, many would recommend enhancing financial advice for plan participants, emphasizing flexibility and the positive effect of working another one or two years to make up for investment losses in the downturn. Adding to this is the continuing need for financial education, essential as the retirement system moves increasingly toward personal account pensions. Perhaps most important of all is the need for greater understanding of risk throughout the retirement security system, along with new approaches to re-engineering retirement pensions. This volume explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans resulting from the financial crisis. It aims to rethink retirement in the new economic era, including the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.

Financial Decision Making and Retirement

Financial Decision Making and Retirement PDF Author: Olivia S. Mitchell
Publisher: Oxford University Press
ISBN: 0198808038
Category : Business & Economics
Languages : en
Pages : 304

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Book Description
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.

Social Security Bulletin

Social Security Bulletin PDF Author:
Publisher:
ISBN:
Category : Social security
Languages : en
Pages :

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New Models for Managing Longevity Risk

New Models for Managing Longevity Risk PDF Author: Olivia S. Mitchell
Publisher: Oxford University Press
ISBN: 0192859803
Category : Law
Languages : en
Pages : 353

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Book Description
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. Notwithstanding the terrible price the world has paid in the coronavirus pandemic, the fact remains that longevity at older ages is likely to continue to rise in the medium and longer term. This volume explores how the private and public sectors can collaborate via public-private partnerships (PPPs) to develop new mechanisms to reduce older people's risk of outliving their assets in later life. As this volume shows, PPPs typically involve shared government financing alongside private sector partner expertise, management responsibility, and accountability. In addition to offering empirical evidence on examples where this is working well, contributors provide case studies, discuss survey results, and examine a variety of different financial and insurance products to better meet the needs of the aging population. This volume will be informative to researchers, plan sponsors, students, and policymakers seeking to enhance retirement plan offerings.

Finance and the Behavioral Prospect

Finance and the Behavioral Prospect PDF Author: James Ming Chen
Publisher: Springer
ISBN: 3319327119
Category : Business & Economics
Languages : en
Pages : 343

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Book Description
This book explains how investor behavior, from mental accounting to the combustible interplay of hope and fear, affects financial economics. The transformation of portfolio theory begins with the identification of anomalies. Gaps in perception and behavioral departures from rationality spur momentum, irrational exuberance, and speculative bubbles. Behavioral accounting undermines the rational premises of mathematical finance. Assets and portfolios are imbued with “affect.” Positive and negative emotions warp investment decisions. Whether hedging against intertemporal changes in their ability to bear risk or climbing a psychological hierarchy of needs, investors arrange their portfolios and financial affairs according to emotions and perceptions. Risk aversion and life-cycle theories of consumption provide possible solutions to the equity premium puzzle, an iconic financial mystery. Prospect theory has questioned the cogency of the efficient capital markets hypothesis. Behavioral portfolio theory arises from a psychological account of security, potential, and aspiration.

Search for a National Retirement Income Policy

Search for a National Retirement Income Policy PDF Author: Jack L. VanDerhei
Publisher: University of Pennsylvania Press
ISBN:
Category : Business & Economics
Languages : en
Pages : 224

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Book Description
"Papers presented at the 1985 Economic Security Symposium, cosponsored by the Pension Research Council and the Boettner Research Institute of the American College, held November 6-7, 1985, on the Bryn Mawr, Pennsylvania, campus of the college"--Page viii.

Pension Planning

Pension Planning PDF Author: Everett T. Allen
Publisher: Irwin Professional Publishing
ISBN:
Category : Deferred compensation
Languages : en
Pages : 439

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Book Description


Pension Planning

Pension Planning PDF Author: Jack L. Vanderhei
Publisher: McGraw-Hill/Irwin
ISBN: 9780256119183
Category :
Languages : en
Pages : 512

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Book Description