We test the hypothesis that exits from the labor market for pre-retirement individuals in Spain respond mainly to economic conditions and to incentives by analyzing two effects.

Recent research suggests that advice and communication about investment risks can be improved by use of the Distribution Builder (Goldstein, Johnson, and Sharpe 2008). Essentially, this is an interactive tool that allows consumers to engage in a hypothetical investment task and to experience risk-return tradeoffs.

Recent research suggests that advice and communication about investment risks can be improved by use of the Distribution Builder (Goldstein, Johnson, and Sharpe 2008). Essentially, this is an interactive tool that allows consumers to engage in a hypothetical investment task and to experience risk-return tradeoffs.

Recent research suggests that advice and communication about investment risks can be improved by use of the Distribution Builder (Goldstein, Johnson, and Sharpe 2008). Essentially, this is an interactive tool that allows consumers to engage in a hypothetical investment task and to experience risk-return tradeoffs.

Social Security continues to be under substantial financial pressure (Social Security Administration Trustees Report, 2012). A number of policy changes have been suggested to enhance solvency, bring liabilities more in line with revenue, and in the process, encourage a population that is becoming increasingly long lived to delay retirement.

Nå skal tjenestepensjonene tilpasses pensjonsreformen. Banklovkommisjonen la 28. juni fram forslag til nytt lovverk om kollektiv tjenestepensjonsforsikring.

As boomers approach retirement they are less confident about financing their retirement through their own savings or pensions. They are more likely to expect to rely on Social Security. Their health is also declining. As a result they are less optimistic about their retirement, and now have lowered expectations. They anticipate working longer, at least on a part-time basis, for the additional income. This is especially true among working boomers with lower incomes. The recession and financial meltdown have played a role in this pessimism, since attitudes were fairly stable between 1998 and 2003, but have turned more negative this year.

We describe the pension plan features of the states and the largest cities and counties in the U.S. Unlike in the private sector, defined benefit (DB) pensions are still the norm in the public sector. However, a few jurisdictions have shifted towards defined contribution (DC) plans as their primary savings plan, and fiscal pressures are likely to generate more movement in this direction.

Recent research on wealth and household finances seeks to blend neoclassical models with an understanding of real-world imperfections to answer questions about why some people save and others do not.

Mange har kritisert pensjonsløsningen for ansatte i offentlig sektor de siste ukene. Sjelden har eksempler og argumentasjon vært mer tendensiøs. Notatet gir en gjennomgang av alternativene fra 2009-oppgjøret.

På oppdrag fra den britiske koalisjonsregjeringen har den tidligere Labour-statsråden Lord Hutton levert foreløpig rapport om offentlig tjenestepensjon. De foreløpige konklusjonene foreslår blant annet økt pensjonsalder, økt egeninnbetaling og utregning av pensjon basert på gjennomsnittslønn.