Retirement incentives and couples' retirement decisions
In: NBER working paper series 9496
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In: NBER working paper series 9496
In: The Joy of
Front Cover -- Copyright -- Title Page -- Contents -- Introduction -- Chapter 1 - The Active Joys of Retirement -- Chapter 2 - The Financial Joys of Retirement -- Chapter 3 - The Joy of Nature -- Chapter 4 - Enjoying Your Home and Garden -- Chapter 5 - The Joy of Learning -- Chapter 6 - The Art of Retirement -- Chapter 7 - The Joy of Relationships -- Chapter 8 - The Joy of Getting Away from It All -- Chapter 9 - Finding Fulfilment -- Chapter 10 - Extreme Things to Do in Retirement -- Epilogue -- CONGRATULATIONS ON YOUR RETIREMENT -- Summersdale Publishers.
In: Women's Issues
Intro -- WOMEN'S RETIREMENT SECURITY CHALLENGES AND TRENDS -- WOMEN'S RETIREMENT SECURITY CHALLENGES AND TRENDS -- CONTENTS -- PREFACE -- Chapter 1 RETIREMENT SECURITY: WOMEN STILL FACE CHALLENGES -- WHY GAO DID THIS STUDY -- WHAT GAO FOUND -- ABBREVIATIONS -- BACKGROUND -- Demographic and Labor Force Trends Affecting Women"s Retirement Income Security -- Sources of Retirement Income -- National Trends Affecting Retirement Security for Men and Women -- WORKING WOMEN"S ACCESS TO AND PARTICIPATION IN EMPLOYER-SPONSORED PENSION PLANS HAVE IMPROVED RELATIVE TO MEN -- Women Surpassed Men in Their Likelihood of Working for an Employer That Offers a Pension Plan -- Women Working for Employers Offering Plans Made Gains in Plan Eligibility -- The Gender Gap in Plan Participation Narrowed -- WHILE INCOME COMPOSITION CHANGED ONLY SLIGHTLY FOR WOMEN AGE 65 AND OVER, THEY CONTINUE TO HAVE LESS RETIREMENT INCOME THAN MEN -- The Composition of Income for Women and Men Age 65 and over Did Not Fluctuate Greatly Despite Changes in the Economy and Pension System -- Median Household Income for Women Age 65 and over Was 25 Percent Lower Than Men"s -- DIVORCE, WIDOWHOOD, AND UNEMPLOYMENT HAD A DETRIMENTAL EFFECT ON OLDER WOMEN"S INCOME SECURITY -- Became Divorced or Separated after Age 50 -- Became Widowed after Age 50 -- Became Unemployed after Age 50 -- Health Declined after Age 50 -- EXISTING POLICY OPTIONS COULD ADDRESS RETIREMENT SECURITY ISSUES FACING WOMEN -- Proposals to Expand the Use of Existing Tax Incentives to Save for Retirement -- Proposals to Expand Opportunities to Accumulate Social Security Credits -- Proposals to Expand Access to Retirement Savings and Strengthen Spousal Protections -- Proposals to Expand Opportunities for Saving Later in Life and Delay Social Security Benefit Receipt -- Proposals to Ensure Lifetime Income
In: Cambridge elements. Elements in quantitative finance, 2631-8571
To supplement replacement income provided by Social Security and employersponsored pension plans, individuals need to rely on their own saving and investment choices during accumulation. Once retired, they must also decide at which rate to spend their savings, with the usual dilemma between present and future consumption in mind. This Element explains how financial engineering and risk management techniques can help them in these complex decisions. First, it introduces 'retirement bonds', or retirement bond replicating portfolios, that provide stable and predictable replacement income during the decumulation period. Second, it describes investment strategies that combine the retirement bond with an efficient performanceseeking portfolio so as to reduce uncertainty over the future amount of income while offering upside potential. Finally, strategies using risk insurance techniques are proposed to secure minimum levels of replacement income while giving the possibility of reaching higher levels of income.
This book provides the quintessentialinformation needed to understand the financial side of theretirement planning coin. You'll begin by learning aboutthe various plan types employers may offer their employees.Topics related to compliance testing will be thoroughlydiscussed as well as strategies used to legally shift benefitsin favor of highly compensated employees(HCEs).However, some employers do not sponsor a plan; andwhen this happens, retirement savers will need to understandthe options available within the world of individualretirement accounts (IRAs). This book is not intended toprovide
In: NBER working paper series 9317
In: Industrial Relations Section, Department of Economics and Social Institutions, Princeton University, Research Report series 86