Fafo-forsker Geir Veland gir i et nytt notat en oversikt over utviklingen i det private tjenestepensjonsmarkedet i Norge i perioden 2002–2010. Han presenterer de viktigste trekk og endringstendenser, både hva gjelder forholdet mellom ytelses- og innskuddspensjoner, omdanninger fra ytelse til innskudd, innskuddssatser og ytelsesnivåer, kapital i ordningene, leverandørenes markedsandeler, individuelt investeringsvalg, supplerende forsikringsdekninger, uttak av pensjon fra 62 år, samt omfanget av fripoliser og pensjonskapitalbevis. Notatet viser at det private tjenestepensjonssystemet fortsatt er i endring.

Accompanied by pension reforms, most European countries have introduced taxdeferred individual retirement accounts as a means to incentivise private, voluntary savings for retirement in the “third pillar”. The introduction of these accounts has opened chances and risks for their owners: on the one hand, households can decide whether to save additionally for retirement and are rewarded with substantial taxdeferrals, on the other hand they may lack the financial knowledge to save voluntarily in these schemse and be left with insufficient retirement savings.

The pensions landscape in the UK is complex. The foundations of the UK pension system were laid in the 1940s. Since the 1960s, successive governments have changed both the state and private pension elements. This document is intended to provide a description of the UK pensions
system for the purposes of considering pensions policy. It should not be used to make individual pensions decisions.

This Pensions Primer gives a detailed description of the current pensions system and some of the archaeology of these layers. The Pensions Primer is intended for people wanting to learn about UK pensions policy. It should not be used to make individual pensions decisions.

This paper estimates the short-run impact of the Pension Protection Act of 2006 (PPA2006) on holdings of employer stock in defined contribution pension plans. PPA2006 allowed participants in plans with employer stock to diversify their holdings...

Both unemployment insurance (UI) extensions and the availability of disability benefits have disincentive effects on job search. But UI extensions can reduce the efficiency cost of disability benefits if UI recipients delay disability application until they exhaust their unemployment benefits.

This report provides new projections of the percentage of pensioners living in relative income poverty under a continuation of current Government policy on pensions and under alternative policy scenarios. Some of the policy proposals considered relate to the latest proposals suggested by the Government such as the introduction of a single-tier state pension of £140 a week. The research was commissioned by Age UK.

We analyze a natural experiment generated by the interaction of the Social Security DI and OA programs at Full Retirement Age, when DI beneficiaries are automatically converted from the DI program to the OA retired worker program. At conversion benefit payments continue unchanged, however the DI program’s high implicit marginal tax rate on earnings is abruptly relaxed.

The 21st wave of the Retirement Confidence Survey (RCS) finds that Americans’ confidence in their ability to afford a comfortable retirement has plunged to a new low at the same time that the recent declines in other retirement confidence indicators appear to be stabilizing. Instead of making fundamental adjustments to their spending and saving patterns in response to the decline in confidence, workers continue to change their expectations about how they will transition from work to retirement in what has been called an age of “the new normal.”

We analyze a natural experiment generated by the interaction of the Social Security DI and OA programs at Full Retirement Age, when DI beneficiaries are automatically converted from the DI program to the OA retired worker program.

De gyllne åra fra 2003 til 2010 var unntaket da løpende pensjoner ble regulert med lønnsveksten (nesten). Med pensjonsreformen skal løpende pensjoner reguleres lavere enn lønnsveksten. Fra 1. mai 2011 er dette regulert i lov og forskrift. I praksis er vi tilbake til reguleringsregimet som gjaldt fra 1967 til 2002 da grunnbeløpet alltid ble underregulert.

Pension benefit rules depend on individual history far more than taxes do, and age plays a much larger role in pension determination than in tax determination.

The long-term shift in coverage from defined benefit (DB) pensions to defined contribution (DC) plans may accelerate rapidly as more large companies freeze their DB pensions and replace them with new or enhanced DC plans.