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Explores the potential benefits of a government-independent, democratized Social Security system to support dependents suffering from the reduction of other government benefits.
Every pension plan has its fine print. Using case studies from the Pension Rights Center, Ferguson and Blackwell show what everyone in a private plan needs to know: how and when their pension will vest; how much their benefit will be; and whether it is adjusted for inflation. Is the plan overfunded or underfunded? Will it survive should the company change hands or go bankrupt? And what happens in the event of death or divorce? Each chapter tackling these subjects is followed by a "What to Do" section in which the authors demonstrate, point by point, how we can take charge of our retirement future. No retirement plan? You're not alone. Half of all Americans have no plan other than social security, and this venerable system - never intended to cover all retirement needs - typically pays people 40 percent of what they were earning when they worked. Or maybe you're in a do-it-yourself savings plan. Increasingly, employers are substituting these plans for traditional pensions. Again, Ferguson and Blackwell provide practical suggestions and reliable advice about the pros and cons of IRAs, 401(k)s, and the other tax-sheltered savings arrangements.
As pension fund systems decrease and dependency ratios increase, risk management is becoming more complex in public and private pension plans. Pension Fund Risk Management: Financial and Actuarial Modeling sheds new light on the current state of pension fund risk management and provides new technical tools for addressing pension risk from an integr
Pension Answer Book, 2022 Edition
Pension funds are big business. They are important to employers, employees, governments, and society at large. With the increasing concern over dwindling retirement pension fund crises, managing pension plans has never been more critical--and the pressure on those who are responsible for them has only intensified. Destined to become the classic resource on pension plan management, Managing Pension Plans explains everything you need to know for successful management of any pension plan--from how pension plans help sponsors manage their workforces to the latest in investment and risk management. With concise and practical Managing Pensions Plans is an indispensable resource for pension fund trustees, boards of directors, managers, and administrators of both public and private pension plans as well as for the money management firms, consultants, actuaries, and accountants who serve the pension fund industry. Logue and Rader, two of the world's leading experts on the subject, explain all the financial, legal, economic, accounting, and managerial issues that those who make pension fund decisions must juggle--in language that non-financial managers can understand, yet with sufficient depth to be useful to financial managers as well. The authors synthesize the latest in capital market and financial economics research to help those involved in pension management improve their decision-making in all the critical areas. In addition, the book describes in detail the responsibilities of fiduciaries, revealing how to be both a prudent fiduciary and a capable decision maker. Managing Pension Plans offers candid advice on how pension managers can improve fund performance by being more effective shareholders. As pension fund management and performance increasingly affect the success of organizations as a whole, this book will be indispensable to anyone--from fund analysts to board members-who influences pension fund decisions.
From the Pension Research Council of the Wharton School, this book explores the diversity of governmental pension plans and investigates how these financial institutions must change in years to come.
Follow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy "If you want a handy guide that provides information in small chunks, Solin's book is it." -Newark Star-Ledger
From the Wharton School, offering a comprehensive assessment of the political and financial dimensions of public-sector pensions from the colonial period until the emergence of modern retirement plans in the twentieth century.
It's estimated that there are over 50 million pensioners--in the United States alone. Like the United States, the United Kingdom, Japan, Italy, Germany and many other countries around the world are all in big trouble when it comes to the solvency of their pension funds. Who Stole My Pension? was written to give them guidance, resources, and tools so they can take action... and stop the looting. We are in the early stages of the greatest retirement crisis in the history of our nation and, indeed, the entire world. According to the World Health Organization, nearly two billion people around the world are expected to be over age 60 by 2050, a figure that's more than triple what it was in 2000. For better or for worse, never before have there been more elderly people living on planet Earth. One thing is. certain: Doing nothing--sitting back, confident your pension check is "in the mail"--is not an option. That's a risk you can't afford to take. According to Edward Siedle, a former attorney with the United States Securities and Exchange Commission and America's leading expert in pension looting, "In the decades to come, we will witness hundreds of millions of elders worldwide, including America's Baby Boomers, slipping into poverty. Too frail to work, too poor to retire will become the "new normal" for many of the aged." Kiyosaki, who like Siedle saw this crisis looming years ago, complements the facts and stats Siedle puts forth with strategies on how retirees can take control--not only their pensions, but their financial futures. Kiyosaki writes about the fact that his father, a highly educated man he calls his poor dad, wasn't poor until he lost his job, his paycheck--and his pension. "His PHD couldn't save him," says Kiyosaki, who has dedicated his life to teaching and financial literacy advocacy. In Who Stole My Pension? the authors focus on the most misunderstood and ignored cause of the pension crisis: mismanagement of pensions and investments. The culprits that are looting the pensions of public school teachers, firefighters, police, as well as private sector workers, are on Wall Street. The Wall Street casinos charging high fees for gambling in risky hedge funds and other speculative investments, outrageous investment-industry conflicts of interest, and outright violations of the law. Who Stole My Pension? is an in-depth assessment of the pension crisis that the world is facing today and what millions around the world--employees who expected to have pension income at retirement--can do about it. The authors recount a history of pension failures, inexperienced boards, gambling, looting and other horror stories--with a focus on action steps workers and retirees can take to quickly determine if a pension is being mismanaged as well as the concrete steps they can take to end decades of pension mismanagement. They detail critical questions retirees can ask--and guidance regarding how to act on what they learn.
Employees are being given more and more decisions to make with regards to their pension and healthcare plans. Yet increasing research in the social sciences shows that the decisions 'real' people make are not those of the thoughtful and well-informed economic agent often portrayed in economic research, but are often based on flawed information and made without a full understanding of their financial implications. The contributors to Pension Design and Structure explore theassumptions behind commonly-held theories of retirement decision-making, and the consequences of the growing volume of research in behavioural finance and economics for the field of pension research. Contributors are drawn from a variety of disciplines, and include leading pensions experts.