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Author:
Publisher:
ISBN:
Category : Employee fringe benefits
Languages : en
Pages : 188
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Book Description
Author:
Publisher:
ISBN:
Category : Employee fringe benefits
Languages : en
Pages : 188
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Book Description
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy
Publisher:
ISBN:
Category : Individual retirement accounts
Languages : en
Pages : 64
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Book Description
Author: United States. Congress. House. Committee on Small Business
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 88
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Book Description
Author:
Publisher:
ISBN:
Category : Employee fringe benefits
Languages : en
Pages : 402
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Book Description
Author: United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy
Publisher:
ISBN:
Category : Individual retirement accounts
Languages : en
Pages : 112
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Book Description
Author: United States. Congress. Senate. Special Committee on Aging
Publisher:
ISBN:
Category : Financial security
Languages : en
Pages : 192
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Book Description
Author: United States. Congress. House. Committee on Ways and Means
Publisher:
ISBN:
Category : Capital gains tax
Languages : en
Pages : 280
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Book Description
Author: United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy
Publisher:
ISBN:
Category : Defined benefit pension plans
Languages : en
Pages : 144
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Book Description
Author: Olivia S. Mitchell
Publisher: Oxford University Press
ISBN: 0198755449
Category : Business & Economics
Languages : en
Pages : 381
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Book Description
The 1964 termination of the Studebaker Corporation's pension plan wiped out or significantly reduced the pensions of thousands of the automaker's employees and retirees. In response, the US Congress passed the 1974 Employee Retirement Income Security Act (ERISA), a monumental and revolutionary piece of legislation crafted to address corporate pension underfunding. The bill also set new rules regarding defined benefit (DB) and other retirement plans, and it established the Pension Benefit Guaranty Corporation as a government-run insurer to serve as a backdrop to U.S. corporate pensions. Despite the bill's far-ranging scope, in the decades since its passage, it has become evident that ERISA failed to achieve many of its intended objectives. The corporate pension scene today is in turmoil, and most private employers have terminated or frozen their traditional DB plans. In their place, employers are increasingly substituting defined contribution (DC) retirement saving plans, which pose a new set of responsibilities on employees and their firms. This volume investigates how and why traditional approaches to pension risk management have failed, and we also explore the new mechanisms required to strengthen retirement security for the future. Lessons from international experience are also included, ranging from Singapore to Switzerland, and the Netherlands to Australia.
Author: Teresa Ghilarducci
Publisher: Princeton University Press
ISBN: 069117802X
Category : Political Science
Languages : en
Pages : 386
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Book Description
A crisis is looming for baby boomers and anyone else who hopes to retire in the coming years. In When I'm Sixty-Four, Teresa Ghilarducci, the nation's leading authority on the economics of retirement, explains how to confront this crisis head-on, revealing the causes behind the increasingly precarious economics of old age in America and proposing a bold plan to guarantee retirement security for every working citizen. Retirement is one of the hallmarks of a prosperous, civilized market economy. Yet in America today Social Security is on the ropes. Government and employers are dismantling pension security, forcing older people to work longer. The federal government spends billions in exemptions for 401(k)s and other voluntary retirement accounts, yet retirement savings for most workers is falling. Ghilarducci takes an unflinching look at the eroding economic structure of retirement in America--and what she finds is alarming. She exposes the failures of pension regulators and the false hopes of privatized Social Security. She tells the ugly truth about risky 401(k) plans, do-it-yourself retirement schemes, and companies like Enron that have left employees without any retirement savings. Ghilarducci puts forward a sweeping plan to revive the retirement-income system, a plan that will ensure that, after forty years of work, every American will receive 70 percent of their preretirement earnings, guaranteed for life. No other book makes such a persuasive case for overhauling the pension and Social Security system in order to provide older Americans with the financial stability they have earned and deserve.
