Artikler som begynner med D

Does a Uniform Retirement Age Make Sense?
Does a Uniform Retirement Age Make Sense?

20 januar 2016
  • In the face of rising life expectancies, many policy experts argue that today’s workers can retire later and still spend the same fraction of their lives in retirement as past generations. But such an argument assumes that all workers, regardless of socioeconomic status (SES), have experienced the same increase in life expectancy.

Demanding Occupations and the Retirement Age
Demanding Occupations and the Retirement Age

14 desember 2015
  • In several countries where pensions are reformed and the retirement age is increased, the issue came up to make an exception for workers with demanding occupations, since health considerations may make it unreasonable to expect them to work longer. We analyze unique Dutch survey data on the public's opinions on what are demanding occupations, on whether it is justified that someone with a demanding occupation can retire earlier, and on the willingness to contribute to an earlier retirement scheme for such occupations through higher taxes.

Do Households Increase Their Savings When the Kids Leave Home?
Do Households Increase Their Savings When the Kids Leave Home?

23 november 2015
  • Much of the disagreement over whether households are adequately prepared for retirement reflects differences in assumptions regarding the extent to which consumption declines when the kids leave home.

Does Age-Related Decline in Ability Correspond with Retirement Age?
Does Age-Related Decline in Ability Correspond with Retirement Age?

09 november 2015
  • While declines in physical and mental performance are inevitable as workers age, they are not uniform across the various systems of the body – some physical and cognitive abilities decline much earlier than others.  This variance implies that workers in occupations that rely on skills that decline early may be unable to work until late ages, even as policy changes like increases in the Full Retirement Age (FRA) encourage them to.

Does Investors’ Personality Influence Their Portfolios?
Does Investors’ Personality Influence Their Portfolios?

17 april 2015
  • Based on large-scale survey data from the 2006-2012 waves of the US Health and Retirement Study (HRS) we show that individual portfolio decisions are influenced by a variety of traits and facets traditionally investigated in the field of personality psychology.

Dog Bites Man: Americans Are Shortsighted About Their Finances
Dog Bites Man: Americans Are Shortsighted About Their Finances

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.

Does Retirement Kill You? Evidence from Early Retirement Windows
Does Retirement Kill You? Evidence from Early Retirement Windows

19 januar 2015
  • The magnitude of the effect that health has on the retirement decision has long been studied. We examine the reverse relationship, whether or not retirement has a direct impact on later-life health. In order to identify the causal relationship, we use unexpected early retirement window offers to instrument for retirement behavior.

DC savers' needs under the new pension flexibilities
DC savers' needs under the new pension flexibilities

05 november 2014
  • At Budget 2014, the Chancellor announced that all restrictions on how individuals aged 55 and over can access their pensions will be lifted from April 2015 onwards. This briefing note provides an overview of findings from research, conducted on behalf of AllianceBernstein by Opinium research, with Defined Contribution savers around their needs under the new pension flexibilities.

Do Public Pensions Help Recruit and Retain High-Quality Workers?
Do Public Pensions Help Recruit and Retain High-Quality Workers?

23 oktober 2014
  • Research shows that pensions help recruit and retain high-quality workers; thus, cutbacks in public pensions could hurt worker quality. One indicator of quality is the wage that a worker can earn in the private sector. Using this measure, states and localities consistently have a “quality gap” – the workers they lose have a higher private sector wage than those they gain.

Defined benefit (DB) scheme running cost research
Defined benefit (DB) scheme running cost research

24 september 2014
  • The Pensions Regulator commissioned IFF Research to undertake quantitative research to better understand the costs of administering defined benefit (DB) pension schemes. A total of 316 private sector schemes, which are the focus on this report, completed the survey.

Die young or live long: Modeling subjective survival probabilities
Die young or live long: Modeling subjective survival probabilities

16 juli 2014
  • Modeling of subjective survival is critical to the use of mortality expectations in economic  models and the life insurance industry. Subjective scaling factors that are used to adjust average survival probabilities for individual expectations are often based on a single observation of personal life expectancy and assumed to be constant for any projected target age.

Different people, different choices
Different people, different choices

11 juli 2014
  • One of the major challenges for national governments, pension funds, and life/pension insurance companies is to stimulate people to think about their retirement income.