Det er mange som har gitt råd fra ulike pensjonseksperter om når man bør starte uttaket av pensjon. Rådene har ofte vært at tidlig uttak av alderspensjon – gjerne fra 62 år – lønner seg. Vi har sett på i hvor stor grad dette stemmer. Det er mange ulike forhold som har betydning for når det lønner seg å ta ut alderspensjonen rent økonomisk. Valg av forutsetninger har stor betydning for resultatene. I denne artikkelen gir vi en oversikt over de viktigste av disse forholdene, og viser beregningseksempler med ulike forutsetninger for å illustrere hva som lønner seg i ulike situasjoner.

Fra 2007 har det vært en stadig sterkere økning i antall nye uførepensjonister hvert år, særlig gjelder dette for yngre aldersgrupper og for kvinner. Dette har gitt opphav til uro og spekulasjon om hva som er i ferd med å skje. I denne artikkelen vil vi ta for oss to viktige årsaker til de trekkene vi observerer, nemlig den demografiske utviklingen, og konsekvensene av store reformer innenfor det helserelaterte stønadssystemet.

In particular due to increasing female employment over the last decades employment has become more flexible in regard to the contract form and we observe more discontinuous employment careers. This paper discusses in how far retirement pension systems in Europe are suited to cover the specific risks of flexible workers. Recent reforms to these systems (e.g. the strengthening of private elements) and their outcomes on flexible workers are also scrutinised.

The French pension system has for long been characterised by its very low reliance on funded pensions, which have almost become a taboo subject since the Second World War. While other countries have often complemented statutory pensions with funded occupational pension schemes, in France, the social partners have put in place an encompassing network of supplementary pension arrangements financed on a pay-as-you-go (PAYG) basis.

The old Swedish pension system combined both Beveridgean features – in the form of a
universal tax-financed flat-rate basic pension (folkpension) and pension supplements – and a
Bismarckian insurance system – the earnings-related contribution-financed defined-benefit
allmän tilläggspension (ATP) – that guaranteed very generous and encompassing protection
against old age risk. The ATP system entered serious fiscal difficulties from the 1980s, when
a 10-year long reform effort started.

Indkomsten er en meget vigtig indikator for vores levevilkår. Penge giver i sig selv tryghed mod det uforudsete, og penge kan også konverteres til god bolig, sund mad, spændende fritidsfornøjelser og meget andet, som forbedrer vores levevilkår. For almindelige familier er privatforbruget og de indkomster, der giver grundlaget for det, i en vis forstand slutresultatet af de økonomiske aktiviteter i samfundet.

This paper provides a comparative analysis of defined contribution (DC) pension systems in Australia, Ireland, the United Kingdom and the United States. There are considerable similarities in the systems which have evolved out of employer sponsored trust-based defined benefit (DB) systems and have expanded at different rates as DB has declined.

The Government intends to end the requirement for defined contribution personal pension scheme members to annuitise their pension fund by the age of 75. This report looks at the likely effects and consequences of this policy.

The ageing of society demands action as the window of opportunity to adequately prepare for this shift is closing fast. While immediate concerns about rising healthcare costs and pension structures require attention, fundamental longterm questions should not be neglected. Although the current global economic turmoil has put further pressure on already stretched resources, heightening the urgency of addressing demographic shifts, it is also presenting a once-in-a-generation opportunity for transformational change. Times of uncertainty create space for radical and creative thinking, and now may be an ideal time to attempt reform while people are more open than ever to new ideas.

Japan has a major asset to address the impact of population ageing on its public pension system in the form of the Government Pension Investment Fund (GPIF). The GPIF is the largest pension fund in the world at JPY140tn (USD 1.4tn), representing nearly one quarter of the country‘s GDP and three and a half years of annual public pension expenditure as of September 2009.

Populations around the world are ageing rapidly, not only in the advanced economies but also in the emerging and developing economies. The UN predicts that by 2050, one-third of the populations in developed countries and one-fifth of those in developing countries will be aged 60
or older.

The design of default investment options in defined contribution (DC) pension plans is of critical
policy relevance, as many members of DC plans are incapable or unwilling to choose investment
strategies among the great variety offered to them. There is increasing international consensus that some type of life-cycle strategy is desirable for default options, with decreasing risk exposure as the individual ages.