Working longer is one of the most effective ways to improve prospects for a secure retirement. It increases monthly Social Security benefits, and shortens the period of retirement that assets need to cover.

Finans Norges markedsstatistikk for 4. kvartal 2016 viser at norske livselskaper totale forsikringsforpliktelser økte med 7 prosent til 1172 milliarder kroner gjennom 2016. Tallene bekrefter trenden om at innskuddspensjon overtar for ytelsesordningene.

Lave pensjonsaldre med tilhørende høye utgifter til pensjon tar nesten knekken på opera og ballet. Både i Sverige og i Finland er pensjonssystemet endret, og i Norge vurderer Kulturdepartementet endringer.

Four-and-a-half years of uncertainty concluded for Sweden’s AP state pension buffer funds last December when the political will to reform the system collapsed. The government withdrew its proposed reforms, which could have seen two of the five funds closed, after it failed to agree with opposition parties on the future of the changes. The funds affected — AP1, AP2, AP3, AP4 and AP6 — together manage assets totalling SEK1.2trn (€130bn).

The system of pension provision that Denmark has developed has won accolades for effectiveness. It is held up as an example to other countries with less functional pension structures.

The capital requirements for insurance companies under the Solvency II regulatory regime are working fine and are appropriate for all defined benefit pension schemes, not just those incorporated as insurers, the head of Oslo Pensjonsforsikring (OPF) says.

Arbeidsgiver har flere muligheter til å unnta ansatte fra bedriftens tjenestepensjonsordning. Det vil ha konsekvenser for pensjonsnivået, avdekker en rapport av Actecan.Alle ansatte i privat sektor skal være med i en tjenestepensjonsordning. Det er hovedregelen. Men velger arbeidsgiver å benytte seg av alle mulige unntak, vil det ha konsekvenser for pensjonsnivået til den enkelte.

Premieinngangen for innskuddspensjon har vært økende de senere årene, mens utviklingen for privat ytelsespensjon har gått i motsatt retning, viser ny statistikk fra Finans Norge.

Pension coverage in the private sector has shifted from defined benefit plans, where professionals make investment decisions, to 401(k) plans, where participants are responsible for their own investment strategy. The supposition is that individuals are not very good at investing their own money and face high fees. The question is whether this supposition is borne out by the facts. That is, are returns on defined contribution plans markedly lower than those on traditional defined benefit plans?

Pension coverage in the private sector has shifted from defined benefit plans, where professionals make investment decisions, to 401(k) plans, where participants are responsible for their own investment strategy. The supposition is that individuals are not very good at investing their own money and face high fees. The question is whether this supposition is borne out by the facts. That is, are returns on defined contribution plans markedly lower than those on traditional defined benefit plans?