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An argument that despite complaints about the persistent U.S.-Japanese trade imbalance, enacting policies to restrict Japan's access to our markets will have few lasting effects on either country's overall trade balance, and that trade imbalances are instead appropriate reflections of domestic...
Persistent link: https://www.econbiz.de/10005512857
The U.S. Social Security Trust Fund faces depletion over the coming decades, and there is a near consensus that social security reform is necessary. Under one suggestion for partial privatization, current surpluses would fund private, individual retirement accounts, and the private savings would...
Persistent link: https://www.econbiz.de/10005361153
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recognize and compensate for unfunded pension liabilities. The effect of pensions on national saving also requires determining … saving, highlight those aspects of pensions that may complicate the analysis, summarize the results of empirical research in …
Persistent link: https://www.econbiz.de/10005379773
Employer matching of employee 401(k) contributions can provide a powerful incentive to save for retirement and is a key component in pension-plan design in the United States. Using detailed administrative contribution, earnings, and pension-plan data from the Health and Retirement Study, this...
Persistent link: https://www.econbiz.de/10005346091
As of May 1988, over 8 million workers had received their pension benefits as lump-sum distributions (LSDs) when they changed jobs. In 1986 Congress imposed a 10% tax penalty on the amount of LSDs not rolled over into tax-deferred instruments. This paper examines the effects of this tax penalty...
Persistent link: https://www.econbiz.de/10005717214
Although households have invested billions in 401(k) accounts, these balances may not be new saving if workers invest money that they would have saved in the program's absence. In this paper, I assess the effect of the 401(k) program on saving by comparing changes in the wealth of 401(k)...
Persistent link: https://www.econbiz.de/10005721128
Some retirement plans allow the participant to choose how funds are invested. Having to direct investments may provide the participant with financial education. This paper finds that households covered by pension plans in which the employee chooses investments are significantly more apt to hold...
Persistent link: https://www.econbiz.de/10005513080
Because employer-provided pensions represent an important source of income during retirement, accurate information on …
Persistent link: https://www.econbiz.de/10005514168