Vi starter opp høsten i Pensjonsforum med møter 9. og 30.september - tematikken i første møte vil være pensjonskasser, kapitalkrav og samfunnsøkonomiske virkninger. Det andre møte vil omhandle NOU 2016:12 Idell opprydding Statlig dekning av ideelle organisasjoners historiske pesjonskostander. Hold av datoene allerede nå - invtasjoner kommer. 

26. august lanserer Finans Norge verktøyene utviklet for at forbrukerne i større grad skal forstå pensjon og dermed kunne ta de riktige valgene for fremtiden. Finans Norge og livselskapene har samarbeidet med Språkrådet, Forbrukerombudet, Finansportalen og Finansforbundet om å lage en bransjestandard for klarspråk på pensjonsområdet.

Torsdag 15. september inviterer Finans Norge og Norsk Klimastiftelse til felles klimafrokost der vi spør: Hvordan kan norsk pensjonskapital sysselsettes slik at det både tjener det grønne skiftet og sikrer trygg og god avkastning for fremtidens pensjonister?

Using Health and Retirement Study (HRS) data and Latent Class Analysis for three cohorts (those born in 1931-1936, 1937-1941, and 1942-1947), this paper explores: 1) who claims Social Security benefits at age 62; 2) what percentage of households claiming at 62 are unprepared for retirement; and 3) whether the unprepared early claimers were pushed into claiming through job shocks and/or poor health or simply decided to take benefits early.

Marital status is an established predictor of financial well-being in later life, with continuously married people enjoying considerable economic benefits that accumulate over the life course, contrasting sharply with the economic vulnerabilities faced by divorced, widowed, or never-married individuals.  Although prior work suggests that marital histories—including the number and sequencing of past and present unions and dissolutions—have become more complex for more recent cohorts, the economic ramifications of this demographic shift are unclear.

Pensjonsforum ønsker alle sine medlemmer en riktig god sommer! Vi ser frem til å invitere til nye møter i Pensjonsforum til høsten.

Innskuddspensjon er en ren spareordning hvor arbeidsgiver ikke har annet ansvar enn å betale årets sparebeløp, administrasjonskostnader og premie for å dekke innskudd om arbeidstaker skulle bli ufør. Arbeidsgiver har ingen reguleringsrisiko eller annen forsikringsrisiko som vi vanligvis forbinder med tjenestepensjoner og som krever balanseføring i regnskapene. Innskuddspensjon er med andre ord arbeidsgivers drøm.

The annual EISS Conference in 2016 will be held in Oslo on Thursday, September 22 and Friday, September 23, and the topic for the 2016 Conference is "Social Security and the changing Concept of Work". The Conference fee is €50 for EISS Members, €75 for non-members. PhD-students should not pay the fee.

The report highlights that, while there is no single definition of value for money in pensions, there is consensus that value for money is about more than simply cost. Although costs and transparency of costs are important, consideration of value for money should also include elements such as administration, communication with members, and governance. Schemes may also look for consistent returns or an investment strategy in line with the level of risk that members are willing to take.

Social Security aims to provide retirees a basic old-age income after a lifetime of work. Monthly benefits were designed to replace a greater share of the earnings of low-wage workers, who spend a greater share of their income on necessities than high-wage workers. Social Security likewise includes spousal and survivor benefits. These “family benefits” were designed for the standard family unit when the program was created in the 1930s – a married couple in which the husband was the breadwinner and the wife a homemaker.

Arbeidsledigheten blant de over 60 år har økt med nesten 30 prosent siden 2014. Veksten i arbeidsledigheten blant unge i samme periode er på under fem prosent. Tallene viser også at seniorene rammes hardere nå enn under tidligere nedgangstider, for eksempel finanskrisen i 2008-2010. Spørsmålet er om dette er et forvarsel om dårligere tider for seniorpolitikken?

In this paper we consider the effects of population aging on a pay-as-you-go financed defined contributions pension scheme. We show that when retirement decisions are endogenous, aging increases the retirement age and the steady state level of capital. The effect on pension payouts is in general ambiguous, except for the solution of full retirement, when this effect is unambiguously negative.