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Target Retirement Fund : A Variant on Target Date Funds that uses Deferred Life Annuities rather than Bonds to Reduce Risk as Retirement Approaches
Shoven, John B.; Walton, Daniel - National Bureau of Economic Research - 2023
This paper evaluates a new variant of the popular target date funds used in employer-based retirement savings plans. We … call this new variant a "target retirement plan." Instead of increasing the allocation to bond funds as retirement … approaches, a target retirement fund gradually purchases deferred life annuities beginning at age 50. In the particular straw …
Persistent link: https://www.econbiz.de/10013537711
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Social Security and Defined Benefit Pension Payout Choices : Evidence from a Survey of Retirees
Nyce, Steve - 2019
Delaying Social Security claiming is equivalent to buying an annuity, as individuals who delay forgo current benefits in exchange for higher monthly benefits in the future. Despite growing evidence that this annuity is offered on extremely generous terms, the majority of people claim well before...
Persistent link: https://www.econbiz.de/10012897465
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When does it pay to delay social security? : the impact of mortality, interest rates, and program rules
Shoven, John B.; Slavov, Sita N. - 2012
Persistent link: https://www.econbiz.de/10009569472
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Recent Changes In The Gains From Delaying Social Security
Shoven, John B.; Slavov, Sita N. - 2013
Persistent link: https://www.econbiz.de/10010226806
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Does it pay to delay social security?
Shoven, John B.; Slavov, Sita N. - In: Journal of pension economics and finance 13 (2014) 2, pp. 121-144
Persistent link: https://www.econbiz.de/10010351541
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When Does it Pay to Delay Social Security? The Impact of Mortality, Interest Rates, and Program Rules
Shoven, John B. - 2013
Social Security benefits may be commenced at any time between ages 62 and 70. As individuals who claim later can, on average, expect to receive benefits for a shorter period, an actuarial adjustment is made to the monthly benefit to reflect the age at which benefits are claimed. In earlier work...
Persistent link: https://www.econbiz.de/10013090660
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Recent Changes in the Gains from Delaying Social Security
Shoven, John B. - 2013
Social Security retirement benefits can be claimed at any age between 62 and 70, with delayed claiming resulting in … and Retirement study, we show that individuals who turned 62 after 2000 are indeed more likely to delay than those who …
Persistent link: https://www.econbiz.de/10013076919
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Recent changes in the gains from delaying social security
Shoven, John B.; Slavov, Sita N. - 2013
Persistent link: https://www.econbiz.de/10010187046
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Pathways to retirement through self-employment
Ramnath, Shanthi; Shoven, John B.; Slavov, Sita N. - In: Journal of pension economics and finance : JPEF 20 (2021) 2, pp. 232-251
Persistent link: https://www.econbiz.de/10012505364
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Leaving big money on the table : arbitrage opportunities in delaying social security
Bronshtein, Gila; Scott, Jason; Shoven, John B.; … - In: The quarterly review of economics and finance : journal … 78 (2020), pp. 261-272
Persistent link: https://www.econbiz.de/10012431277