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PSN: Pensions & Retirement (Topic)最新文献

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Bank Custodians and Systemic Risk in the Australian Superannuation System 澳大利亚养老金制度中的银行托管人与系统性风险
PSN: Pensions & Retirement (Topic) Pub Date : 2015-04-27 DOI: 10.2139/SSRN.2599409
M. Donald, Rob Nicholls
{"title":"Bank Custodians and Systemic Risk in the Australian Superannuation System","authors":"M. Donald, Rob Nicholls","doi":"10.2139/SSRN.2599409","DOIUrl":"https://doi.org/10.2139/SSRN.2599409","url":null,"abstract":"Custodians play an integral role in the administration of Australia’s superannuation system. This article considers the way in which the small number of custodians, and the increasingly diverse set of services they provide to superannuation funds, gives rise to systemic risk within the superannuation system. It also considers the way in which the current regulatory scheme addresses this risk. It finds a regulatory scheme in which the potential for systemic risk is increasingly recognised but in which little is currently done to manage this risk as a result of institutional, political and jurisdictional factors.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-04-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122778403","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 3
A European Pensions Union: Towards a Strengthening of the European Pension Systems 欧洲养老金联盟：加强欧洲养老金体系
PSN: Pensions & Retirement (Topic) Pub Date : 2015-04-14 DOI: 10.4337/9781782547334.00027
P. Borsjé, H. V. Meerten
{"title":"A European Pensions Union: Towards a Strengthening of the European Pension Systems","authors":"P. Borsjé, H. V. Meerten","doi":"10.4337/9781782547334.00027","DOIUrl":"https://doi.org/10.4337/9781782547334.00027","url":null,"abstract":"This contribution will especially address the EC’s general policy in respect of the IORP II Proposal, also in connection with general more recent EU law developments, and its consequences for the pension systems of the EU Member States, with a focus on the occupational pension system of the Netherlands.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2015-04-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126611514","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 3
Collective versus Individual Pension Schemes: A Welfare-Theoretical Perspective 集体与个人养老金计划:福利理论视角
PSN: Pensions & Retirement (Topic) Pub Date : 2014-10-24 DOI: 10.2139/ssrn.2510932
E. Westerhout, J. Bonenkamp, Peter Broer
{"title":"Collective versus Individual Pension Schemes: A Welfare-Theoretical Perspective","authors":"E. Westerhout, J. Bonenkamp, Peter Broer","doi":"10.2139/ssrn.2510932","DOIUrl":"https://doi.org/10.2139/ssrn.2510932","url":null,"abstract":"This paper explores the welfare effects of a number of collective pension contracts, distinguishing between the two welfare effects. We find that collective schemes can be either superior or inferior to individual schemes. Collective pension contracts allow for intergenerational risk sharing with the unborn. They therefore imply a higher level of social welfare than individual accounts. Collective pension contracts also imply a sub- optimal allocation of consumption across time periods and states of nature however. Hence, collective pension contracts also reduce social welfare. This paper explores the welfare effects of a number of collective pension contracts, distinguishing between the two welfare effects. We find that collective schemes can be either superior or inferior to individual schemes.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-10-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122950174","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
Demystifying Pension Design: Clearer Principles Foster Better Practices 揭开养老金设计的神秘面纱:更清晰的原则促进更好的实践
PSN: Pensions & Retirement (Topic) Pub Date : 2014-09-17 DOI: 10.2139/ssrn.2497524
Thomas van Galen, Theo P. Kocken, S. Lundbergh
{"title":"Demystifying Pension Design: Clearer Principles Foster Better Practices","authors":"Thomas van Galen, Theo P. Kocken, S. Lundbergh","doi":"10.2139/ssrn.2497524","DOIUrl":"https://doi.org/10.2139/ssrn.2497524","url":null,"abstract":"Discussions of pension system design are often difficult to follow, especially when tradeoffs between various system design features are obscured by complicated technical arguments. This article sets out to demystify these discussions by presenting nine guiding principles which ideally shape the key features of any pension system. These principles must cover three design dimensions: human behavior, system stability, and how risks are borne in the system. The article concludes by showing how the application of these principles to the pension systems of the United Kingdom, Sweden, and the Netherlands can clarify the pension design challenges these countries are currently facing, and how implicit design tradeoffs can be made explicit.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-09-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129881986","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
The Overlooked Option for Boosting Retirement Savings: Higher Limits for RRSPS 提高退休储蓄的被忽视的选择:更高的RRSPS限额
PSN: Pensions & Retirement (Topic) Pub Date : 2014-09-11 DOI: 10.2139/SSRN.2495545
A. Laurin
{"title":"The Overlooked Option for Boosting Retirement Savings: Higher Limits for RRSPS","authors":"A. Laurin","doi":"10.2139/SSRN.2495545","DOIUrl":"https://doi.org/10.2139/SSRN.2495545","url":null,"abstract":"Government policymakers should not overlook enhancing RRSPs as a way to boost retirement savings by Canadians, according to a report from the C.D. Howe Institute. In “The Overlooked Option for Boosting Retirement Savings: Higher Limits for RRSPs,” author Alexandre Laurin finds that those who most need private saving to meet their retirement income goals use RRSPs more extensively than widely believed.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"103 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-09-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115547071","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 6
The Australian Retirement Income System: Comparisons with and Lessons for the United States 澳大利亚退休收入制度:与美国的比较及教训
PSN: Pensions & Retirement (Topic) Pub Date : 2014-09-01 DOI: 10.2139/ssrn.2523539
Rafal Chomik, J. Piggott
{"title":"The Australian Retirement Income System: Comparisons with and Lessons for the United States","authors":"Rafal Chomik, J. Piggott","doi":"10.2139/ssrn.2523539","DOIUrl":"https://doi.org/10.2139/ssrn.2523539","url":null,"abstract":"Australia has an atypical retirement income system: it comprises a flat-rate, non-contributory, affluence-tested age pension, and a mandatory, defined contribution accumulation plan to which employers must contribute 9.25 percent (moving to 12 percent) of wages on behalf of their employees. We briefly compare the Australian and US economies and demographies, and then describe the Australian arrangements and assess its econ efficiency and efficacy in delivering retirement support. We focus especially on the means testing of the first pillar in Australia and the mandated membership of pre-funded private pension plans. We conclude by considering insights for the evolution of the US pension reform debate as demographic change unfolds.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115585083","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Linking Retirement Age to Life Expectancy Effects on Healthy Life Expectancy Before and After Retirement 将退休年龄与预期寿命联系起来对退休前后健康预期寿命的影响
PSN: Pensions & Retirement (Topic) Pub Date : 2014-09-01 DOI: 10.2139/ssrn.2663085
Anja M. B. De Waegenaere, Ying Yang, B. Melenberg
{"title":"Linking Retirement Age to Life Expectancy Effects on Healthy Life Expectancy Before and After Retirement","authors":"Anja M. B. De Waegenaere, Ying Yang, B. Melenberg","doi":"10.2139/ssrn.2663085","DOIUrl":"https://doi.org/10.2139/ssrn.2663085","url":null,"abstract":"This paper considers the effects of a policy that links retirement age to life expectancy. We focus on the effects on healthy life expectancy before and after retirement, and on the likelihood of being in good health at retirement age. To investigate these effects, we use a stochastic projection model that allows to jointly model and forecast health and mortality, and to quantify the corresponding uncertainties. In the best-estimate projection, linking retirement age to life expectancy would lead to an increase in retirement age of about 9 months per decade. Even though younger cohorts face significantly higher retirement ages than older cohorts, the likelihood of being in good health at retirement age is higher for younger cohorts. The effects of the policy on healthy life expectancy before and after retirement, however, are somewhat more mixed. Whereas best estimate projections suggest that healthy life expectancy before and after retirement would increase or remain constant over time, there is considerable uncertainty regarding the actual development.The bounds of the forecast intervals correspond to significant increases in time spent in poor health before retirement age, and decreases in time spent in good health after retirement age.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130238823","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Do Public Pension Obligations Affect State Funding Costs? 公共养老金义务会影响国家资金成本吗?
PSN: Pensions & Retirement (Topic) Pub Date : 2014-05-10 DOI: 10.26509/frbc-wp-201301
J. Burson, J. Carlson, O. Ergungor, Patricia Waiwood
{"title":"Do Public Pension Obligations Affect State Funding Costs?","authors":"J. Burson, J. Carlson, O. Ergungor, Patricia Waiwood","doi":"10.26509/frbc-wp-201301","DOIUrl":"https://doi.org/10.26509/frbc-wp-201301","url":null,"abstract":"States’ unfunded pension obligations to their current and retired employees have exploded in recent years to levels that are estimated to be between $750 billion and $4.4 trillion. In theory, this massive debt should have implications for states’ ability to meet their financial obligations and a measurable impact on funding costs. Yet, we find no evidence that municipal bond markets are pricing the risks to states’ fiscal health arising from these large obligations.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"60 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-05-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126755610","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
The Welfare State in Egypt, 1995-2005: A Comparative Approach 福利国家在埃及，1995-2005:一个比较的方法
PSN: Pensions & Retirement (Topic) Pub Date : 2014-05-04 DOI: 10.2139/ssrn.3346156
A. E. Mohamed
{"title":"The Welfare State in Egypt, 1995-2005: A Comparative Approach","authors":"A. E. Mohamed","doi":"10.2139/ssrn.3346156","DOIUrl":"https://doi.org/10.2139/ssrn.3346156","url":null,"abstract":"This article applies the typology of welfare state regimes developed by Esping-Andersen in 1990 to the welfare state in Egypt as an example of developing countries. The study surveys the relations between the state, the market, and society from 1995 to 2005, a period characterized by a shift towards a market-oriented economy, challenging the historical legacy of the state’s social role. The methodology employs a combination of quantitative and qualitative analysis while examining the characteristics of seven main welfare schemes and social safety nets in Egypt. The findings suggest that the Egyptian current welfare state can be best described as “conservative/informal,” where social benefits are tied to employment in the formal sector, leading to the family, religious institutions, and clientelistic networks taking on important roles to meet the social needs of the larger informal sector. In addition, the study proposes amendments to the Esping-Andersen typology in order to better understand the welfare programs of developing countries. Mismanagement, quality considerations, the gap between stated goals and implementation, disparities created by gender and urbanization differences, and the role of informal sector should be systematically considered when analyzing welfare regimes in general, and those of developing countries in particular.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-05-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124020947","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Retirement, Early Retirement and Disability: Explaining Labor Force Participation after 55 in France 退休、提前退休与残疾:对法国55岁以后劳动力参与的解释
PSN: Pensions & Retirement (Topic) Pub Date : 2014-04-01 DOI: 10.2139/ssrn.2471459
{"title":"Retirement, Early Retirement and Disability: Explaining Labor Force Participation after 55 in France","authors":"","doi":"10.2139/ssrn.2471459","DOIUrl":"https://doi.org/10.2139/ssrn.2471459","url":null,"abstract":"We analyze the influence of health and financial incentives on the retirement behavior of older workers in France, building upon Stock and Wise (1990) option value approach. The model accounts for three main retirement routes: the normal retirement, disability insurance (DI) and unemployment/preretirement pathways, and is estimated with a combination of microeconomic datasets that include the French data of the European SHARE survey. The estimates confirm that a decrease in the generosity of the pension and DI schemes induces people to stay longer in the labor market, and that people with better health tend to retire later. We present extreme situations simulating what individual's retirement behavior would have been if only one retirement route had existed and in the absence of constraints on work capabilities. We show that average years of work between 55 and 64 are nearly 14% greater when regular retirement incentives are applied to the whole population than when it is DI rules that are systematically applied.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2014-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127561981","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
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