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Artikler som begynner med I

Individual Post-Retirement Longevity Risk Management Under Systematic Mortality Risk
Individual Post-Retirement Longevity Risk Management Under Systematic Mortality Risk

02 juli 2014
  • This paper analyzes an individual’s post retirement longevity risk management strategy allowing for systematic longevity risk, recent product innovations, and product loadings.

Innskuddspensjon like stor som ytelsespensjon

14 mars 2014
  • Premieinnbetalingene til innskuddspensjon er nå nesten like store som innbetalingene til ytelsespensjon. Det viser ny statistikk fra Finans Norge. I løpet av 2014 vil innbetalingene til innskuddspensjon for første gang bli større enn til den tradisjonelle ytelsespensjonen.

Income from Work – The Fourth Pillar of Income Provision in Old Age

17 januar 2014
  • Despite substantial improvements in life expectancy, the employment rate among men aged 55-59 in the United Kingdom have decreased from over 90 per cent to less than 70 per cent between 1968 and the end of the 1990s. The figures for men aged 60-64 and men aged 65-69 slumped from around 80 per cent to 50 per cent and 30 per cent to about 15 per cent respectively.

I pose og sekk? Hvorfor har så mange valgt å kombinere jobb og pensjon?

23 oktober 2013
  • Pensjonsreformen har gjort det mulig for mange å ta ut alderspensjon før fylte 67 år. Beslutningen om uttak av pensjon er dermed i stor grad frikoblet fra valg av tidspunkt for å slutte i arbeid. Pensjonen kan dessuten fritt kombineres med arbeidsinntekt, uten at pensjonen blir avkortet.

Intermediarie's awareness, understanding and activity in relation to workplace pension reforms

13 september 2013
  • The workplace pension reforms are set out in the Pensions Act 2008 and were introduced in October 2012 with large employers being subject to the duties first.

Intermediarie's awareness, understanding and activity in relation to workplace pension reforms

08 mai 2013
  • The workplace pension reforms are set out in the Pensions Act 2008 and were introduced in October 2012 with large employers being subject to the duties first. Large employers will be subject to the duties between October 2012 and February 2014, medium employers from April 2014 to April 2015 and small/micro-employers from June 2015. Under the reforms, employers will be required to automatically enroll certain members of their workforce, these are called eligible jobholders (those aged between 22 and State Pension age, working in the UK and earning more than £8,105), into a workplace pension scheme, unless the worker is already in a qualifying scheme.

Implications of Full and Partial Retirement for Replacement Rates in a Defined Benefit System

10 april 2013
  • In this paper we use the actual rules and formulas of an occupational pension fund, the state pension fund and the tax system in the Netherlands to calculate net replacement rates at each age from 60 to 70 in full and partial retirement scenarios. We then vary the parameters of the pension formulas to study the sensitivity of the replacement rates.

Investment Regulations and Defined Contribution Pensions

04 april 2013
  • This paper assesses the impact of different quantitative approaches to regulate investment risk on the retirement income stemming from defined contribution (DC) pension plans. It looks at how such regulations affect the spectrum of investment policies available and, through this channel, how they affect the retirement income that an individual may expect from a DC pension plan.

Intra and Intergenerational Transfers The Case of the Netherlands for the First Pillar of Pensions

02 april 2013
  • Since the creation of the Old Age Pension scheme (Algemene Ouderdomswet, henceforth; AOW) in 1957 some important changes in its regulation have taken place. The purpose of this study is to analyse the redistribution of income for different individuals in the AOW taking into account these changes in regulation and different groups of individuals according to their gender, civil status and income.

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

13 mars 2013
  • This paper investigates whether mutual fund families acting as trustees of 401(k) plans display favoritism toward their own funds. Using a hand-collected dataset on retirement investment options, we show that poorly-performing funds are less likely to be removed from and more likely to be added to a 401(k) menu if they are affiliated with the plan trustee.

Investment Risk and Pensions - Impact on Individual Retirement Incomes and Government Budgets

19 februar 2013
  • Pensions are inherently risky because they are long-term contracts. These contracts can involve up to four groups of actors: individuals, governments, employers and financial-services providers. Uncertainty about the future complicates planning for all these actors: if things turn out better than expected, who will reap the gains? If things turn out worse, who will bear the cost? No one wants to bear risk, but, in most cases, someone has to. Risks in pension systems have, in the past, been poorly measured or even just
    ignored.

Intergenerational Risk Sharing in Time - Consistent Funded Pension Schemes

12 februar 2013
  • Intergenerational risk sharing by funded pension schemes may increase welfare in an ex ante sense. However, it also suffers from a time inconsistency problem. In particular, young generations may be unwilling to start participating in a pension scheme if this requires them to make huge transfers to older generations.