Høstens høydepunkt for alle som jobber med pensjon og forsikring nærmer seg med stormskritt. Årets konferanse byr på et spennende program, og NHO er spesielt glade for at statsråden, LO-lederen og NHO-sjefen møtes til samtale om viktige pensjonsspørsmål. Pensjons- og forsikringskonferansen er en av NHOs mest etablerte konferanser, og arrangeres i år for 52. gang. Konferansen er åpen for alle.

Heterogeneity in longevity between socioeconomic groups is increasingly documented for developed economies and is reviewed in the paper. Heterogeneity in life expectancy disaggregated by main socioeconomic characteristics – such as age, gender, race, health, education, profession, income, and wealth – is sizable and has not declined in recent decades.

We characterize the optimal default fund in a defined contribution (DC) pension plan. Using detailed data on individuals and their holdings inside and outside the pension system, we find substantial heterogeneity among default investors in terms of labor income, financial wealth, and stock market participation.

Demographic developments are unfavourable for the financing of pension schemes in most OECD countries, implying continued growth in pension expenditure in virtually all OECD countries. This paper examines the vulnerability of pension systems, with an emphasis on financial sustainability and adequacy.

Pension systems are facing crucial and far-reaching challenges. The economic crisis led to a reduction in governments’ revenues to finance retirement promises and to a loss of public confidence in private pensions in many countries. At the same time, pension systems also have to deal with the problems posed by population ageing and the current economic environment.

Samfunnet er i endring og NAV må endre seg i takt med dette. Omverdensanalysen omhandler hvordan endringer i våre omgivelser vil kunne påvirke NAV sine veivalg fremover i et tiårs perspektiv.

This paper explores the optimal degree of funding of public sector pension plans. It is assumed that a benevolent social planner decides on the contribution of current taxpayers to the funding of public sector pensions next period, weighing the interests of current and future tax payers.

This paper studies the interaction between capital income taxation and a means tested age pension in the context of an overlapping generations model, calibrated to the UK economy.

Dette notatet gjennomgår hovedtrekkene i ny uføretrygd i folketrygden, ny uførepensjonsordning i offentlig sektor og det foreliggende forslaget til endringer i uføreordningenei privat sektor, trekker frem og drøfter sentrale elementer i ordningenes innretning og peker på noen utfordringer som man potensielt kan stå overfor i tiden fremover.