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Annual DC pension statements and the communications challenge
Antolín Nicolás, Pablo; Harrison, Debbie - 2012
This paper examines and evaluates the content and design of the annual pension statement sent to members of funded defined contribution (DC) pension schemes in a selection of OECD and non-OECD countries. The aims of the research are to identify the potential shortcomings in statement planning...
Persistent link: https://www.econbiz.de/10009684035
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What's in your 403(b)? : Academic retirement plans and the costs of underdiversification
Angus, John; Brown, William O.; Smith, Janet Kiholm; … - 2005
Many college and university 403(b) plans restrict the menu of investment choices to funds offered by TIAA-CREF, the current manager of over half of all 403(b) contributions. Further, in the face of Internal Revenue Code changes that will take effect in 2006 and will make 403(b) plan ERISA...
Persistent link: https://www.econbiz.de/10003231314
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Optimal Rules for Defined Contribution Plans : What Can We Learn from the U.S. and Australian Pension Systems?
Forman, Jonathan Barry - 2014
Both the United States and Australia have multi-pillar retirement systems that include a public component and a private … overview of the retirement systems of the U.S. and Australia. Next, this paper compares the rules governing defined … contribution plans in the U.S. and Australia. In particular, this paper focuses on the rules governing the contribution …
Persistent link: https://www.econbiz.de/10013067180
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Mismatch Risk, Government Guarantees, and Financial Instability : The Case of the U.S. Pension System
Bodie, Zvi - 2011
Failure to take account of the mismatch between the assets in defined --benefit pension plans -- primarily equities -- and the liabilities -- deferred fixed annuities -- has long been a major unrecognized source of financial instability. The underfunding problems now facing state and local...
Persistent link: https://www.econbiz.de/10013120758
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Pension Benefit Guarantees in the United States : A Functional Analysis
Bodie, Zvi - 2019
In this paper we use functional analysis to examine the pension benefit guarantee system in the United States. The functional perspective on financial policy making begins with the set offunctions required, and then looks for the optimal institutional structure to perform those functions. Our...
Persistent link: https://www.econbiz.de/10012894030
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Lessons from the Efforts to Manage the Shift Away from Defined Benefit Plans to Defined Contribution Plans in Australia, the United Kingdom, and the United States
Brown, Elizabeth F. - 2016
This Article examines what lessons may be learned from examining how Australia, the United Kingdom, and the United …
Persistent link: https://www.econbiz.de/10013005963
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Credit When You Need It
Collier, Benjamin L.; Hartley, Daniel A.; Keys, Benjamin J. - National Bureau of Economic Research - 2024
We estimate the causal effect of emergency credit on households' finances after a negative shock. To do so, we link application data from the U.S. Federal Disaster Loan program, which provides loans to households that have uninsured damages from a federally-declared natural disaster, to a panel...
Persistent link: https://www.econbiz.de/10015056171
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Wealth shocks and retirement timing and other essays
Sevak, Purvi - 2002
Persistent link: https://www.econbiz.de/10003780498
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Lifecycle asset allocation strategies and the distribution of 401 (k) retirement wealth
Poterba, James M.; Rauh, Joshua; Venti, Steven F.; … - 2006
Persistent link: https://www.econbiz.de/10003285428
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Love or money? : Health insurance and retirement among married couples
Kapur, Kanika; Rogowski, Jeannette - 2006
Persistent link: https://www.econbiz.de/10003332284