2015

Banklovkommisjonen la 28. april fram et forslag til regelverk for ytelsespensjon som bygger på prinsippene i ny folketrygd. Det viser at det fortsatt kan være mulig for virksomheter og foretak å tilby sine ansatte et ytelsesbasert pensjon.

Fra 2016 skal livselskapene tilpasse seg nye kapitalkrav for produkter med garantier. Dette vil ha særlig stor betydning for nesten en million fripoliser som neppe kan forvente regulering utover beregningsrenten.

Pension types similar to the years-of-service pension that will be introduced in the forthcoming pension reform in Finland can be found in five European countries. In many respects, the criteria for the pension are similar, but there are also differences. Finland will be a forerunner when it comes to measuring the mental strain of work.

This Paper provides a two-part empirical analysis on how actuarial reduction rates for early retirement affect current pension payments in Germany and to what extent the existence and the magnitude of such reduction rates influence people’s retirement planning.

Nå skal de overbevise om at hybridpensjonen er forutsigbar også for arbeidsgiver. Spekter og de ansattes organisasjoner har i løpet av dagen blitt enige om å forhandle videre om pensjon for ansatte i kultursektoren.

Pension reforms in many developed countries make individuals shoulder a bigger share of longevity  and income risks. The desired response is that individuals accumulate private assets for retirement.  Whether this actually takes place, is of paramount relevance for scientists and policy makers.

28 april kommer Banklovkommisjonen med sin innstilling om ytelsespensjonene. Det har vært en kraftig nedgang i de ytelsesbaserte ordningene de siste årene. Bedriftene går i retning av å tilby arbeidstakerne en innskuddsbasert ordning, noe som gir en større risiko for de ansatte. Hybridpensjon er ny, og lite utbredt.

Private pension provision faces the challenging task of providing stable income streams during retirement. The challenge has increased markedly in the last decades due to volatile financial markets, falling interest rates and the withdrawal of employers and external insurers as risk bearers of systematic financial and longevity risks.

28. april avgir Banklovkommisjonen sin innstilling om ny ytelsesbasert tjenestepensjon – og allerede 29. april inviterer Forsikringsforeningen til møte om hovedtrekkene i innstillingen og få reaksjoner fra forsikringsnæringen og representanter for partene i arbeidslivet. Møtet går fra kl. 1615-1815 i møtesenteret KS Agenda i Haakon VIIs gate 9, Oslo

Although a number of papers in the literature have shown the employment and wage differences between disabled and non-disabled individuals, not much is known about the potential employment and wage losses that disabled individuals suffer before being officially accepted into the disability insurance system (DI).

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.

Rising life expectancy makes defined benefit pension plans more expensive.The question is the extent to which state and local plans have already incorporated rising life expectancy into their cost estimates.