We analyze whether a low funding ratio of a pension fund can create incentives for individuals to leave this fund and save for retirement on an individual basis. Furthermore, we explore how these incentives differ per age.

States have begun to respond to their pension challenge by enacting a mix of revenue increases and benefit cuts. These changes will, over time, improve the financial outlook for plans and help ease their impact on other budget priorities. But, to date, the specific nature and magnitude of these effects on plan finances and overall state budgets has received little attention.

Recent reforms that aim at reducing the upcoming burdens of population ageing might seriously harm low income individuals. An increase in old-age poverty and disability will be the result.

Levealdersutviklingen er av vesentlig betydning både for offentlig og private pensjonssystemer. Usikkerhet om utviking av levealderen er i de tradisjonelle befolkningsframskrivingene håndtert ved at en lager alternative, deterministiske framskrivinger. Disse er usikre.

When Social Security’s Full Retirement Age (FRA) increased to age 66 for recent retirees, the peak retirement age increased with it. However, a large share of people continue to claim their Social Security benefits at age 65. This paper explores two potential explanations for the “stickiness” of age 65 as a claiming age: Medicare eligibility and workers’ lack of knowledge about their future Social Security benefits.

When looking at a researcher of today it is obvious that he/she is no longer staying at one university or other public or private research centre throughout his/her career, but is moving from one country to another, frequently and for shorter periods of time or is even working (be it sometimes under different statuses) in several countries at the same time. When the researcher of today retires his/her career path has been one of many different employers and can even be one of different statuses (employee, selfemployed,…).

Valget mellom å gå av med pensjon eller fortsette i arbeid påvirkes av en rekke faktorer. Denne analysen viser at helsetilstanden, tidspunktet for ektefellens pensjonsbeslutning og om man er ansatt i en bedrift med avtalefestet pensjon, er de tre som har hatt størst effekt på denne avgjørelsen. Dette er hovedkonklusjonen fra en analyse basert på data fra 2001 til 2011, som beregner sannsynligheten for at arbeidstakere i alderen 61 til 69 år fortsatt står i jobb ett år senere.

Earlier studies conclude that spouses' retirement strategies are not independent from each other and that policies affecting individuals in a couple are also likely to affect the economic behaviour of their partner.

This report details the key findings of the third record keeping survey, conducted among a representative sample of trust and contract-based pension schemes with two or more members. The sample for the research was extracted from The Pensions Regulator’s (the regulator) own SCORE database.