Artikler tagget med USA

Dog Bites Man: Americans Are Shortsighted About Their Finances

Dog Bites Man: Americans Are Shortsighted About Their Finances

onsdag, 18 februar 2015
  • Americans need to save more on their own for retirement, but human nature suggests they will focus more on day-to-day financial needs.

Automatic Enrollment, Employer Match Rates and Employee Compensation in 401(k) Plans

Automatic Enrollment, Employer Match Rates and Employee Compensation in 401(k) Plans

mandag, 16 februar 2015
  • This study uses restricted-access employer-level microdata from the National Compensation Survey to examine the relationship between automatic enrollment and employee compensation.

The Australian Retirement Income System: Comparisons with and Lessons for the United States

The Australian Retirement Income System: Comparisons with and Lessons for the United States

onsdag, 07 januar 2015
  • Australia has an atypical retirement income system: it comprises a flat-rate, non-contributory, affluence-tested age pension, and a mandatory, defined contribution accumulation plan to which employers must contribute 9.25% (moving to 12%) of wages on behalf of their employees.

Can PBGC Save Multiemployer Plans?

Can PBGC Save Multiemployer Plans?

onsdag, 01 oktober 2014
  • Multiemployer pension plans – defined benefit plans established through collectively bargained agreements between labor unions and two or more employers – have been weakened by two financial crises and a slow recovery from the recession.

It Pays to Set the Menu Mutual Fund Investment Options in 401(k) Plans

It Pays to Set the Menu Mutual Fund Investment Options in 401(k) Plans

mandag, 28 juli 2014
  • This paper investigates whether mutual fund families acting as trustees of 401(k) plans display favoritism toward their own funds.

Employment, late-life work, retirement, and well-being in Europe and the United States

Employment, late-life work, retirement, and well-being in Europe and the United States

tirsdag, 24 juni 2014
  • Flexible work arrangements and retirement options provide one solution for the challenges of unemployment and under employment, aging populations, and unsustainable public pension systems in welfare states around the world.

Disability benefit growth and disability reform in the US: lessons from other OECD nations

Disability benefit growth and disability reform in the US: lessons from other OECD nations

tirsdag, 24 juni 2014
  • Unsustainable growth in program costs and beneficiaries, together with a growing recognition that even people with severe impairments can work, led to fundamental disability policy reforms in the Netherlands, Sweden, and Great Britain. In Australia, rapid growth in disability recipiency led to more modest reforms.

 Lower-Income Individuals Without Pensions: Who Misses Out and Why?

Lower-Income Individuals Without Pensions: Who Misses Out and Why?

tirsdag, 10 juni 2014
  • In 2010, only 19 percent of individuals ages 50-58 whose household incomes were less than 300 percent of the poverty line participated in a pension of any kind at their current jobs, compared to 56 percent of those above 300 percent of poverty.  This paper investigates this pension gap.