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Factors Influencing Saving Rate in Malaysia 影响马来西亚储蓄率的因素
PSN: Pensions & Retirement (Topic) Pub Date : 2013-06-08 DOI: 10.2139/ssrn.2276293
Ahmad Adlan Ahmad Aderi
{"title":"Factors Influencing Saving Rate in Malaysia","authors":"Ahmad Adlan Ahmad Aderi","doi":"10.2139/ssrn.2276293","DOIUrl":"https://doi.org/10.2139/ssrn.2276293","url":null,"abstract":"There are many factors that influence the saving rate in Malaysia. The main purpose of this research is to determine which economic variables that may influence toward saving rate in Malaysia. Saving rate is one of the major capitals for financial institution for make any other investment. From the investment, the financial institution will earn revenue and will distribute to the depositor in term of dividend. Besides, the interest rate that will charge on the saving will determine either the depositor will make savings or not. In addition, saving is not limited for a certain level of income. Everybody that has surplus money can make any saving that may use in future if there have any emergency cases. Furthermore, this research is continuous from the previous research that study about factors influencing saving rate in Malaysia for 1997 to 2004 and will be continued from 1987 to 2011.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2013-06-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114450392","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
Placement Agents in Public Pensions – Corruption in Investments Linked to Insolvency 公共养老金的配售代理-与资不抵债有关的投资中的腐败
PSN: Pensions & Retirement (Topic) Pub Date : 2013-04-23 DOI: 10.2139/SSRN.2255149
Christopher B. Tobe
{"title":"Placement Agents in Public Pensions – Corruption in Investments Linked to Insolvency","authors":"Christopher B. Tobe","doi":"10.2139/SSRN.2255149","DOIUrl":"https://doi.org/10.2139/SSRN.2255149","url":null,"abstract":"I do not think it is coincidence that the placement agent scandals were first uncovered in Illinois and continue with a SEC investigation in Kentucky. My theory is that in this “Culture of Cover up and Corruption” states that would look the other way on paying half the ARC, would look the other way on investment corruption and placement agents as well. A chapter in my upcoming book Kentucky Fried Pensions is based on this whitepaper.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2013-04-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132705320","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: 1
Improving Understanding of the Social Security OASDI Trust Fund 提高对社会保障OASDI信托基金的认识
PSN: Pensions & Retirement (Topic) Pub Date : 2012-12-24 DOI: 10.2139/ssrn.2193603
B. Schmult
{"title":"Improving Understanding of the Social Security OASDI Trust Fund","authors":"B. Schmult","doi":"10.2139/ssrn.2193603","DOIUrl":"https://doi.org/10.2139/ssrn.2193603","url":null,"abstract":"This paper argues that the Social Security OASDI Trust Fund is widely misunderstood by the public, thereby corrupting the debate on how to handle future scheduled benefits, and increasing the risk of program changes that would not be accepted if people understood how the program functions. The Trust Fund is a fiscal nullity but appears to be regarded by many as essential, hence the public debate is about how to ``fix'' it, rather than about the moral question of {it whether} to fund scheduled benefits, which are clearly affordable. This misunderstanding indicates the need for a shift in emphasis in public descriptions of the program. For this, this paper lays out a set of data, arguments and analogies that are asserted to be accurate representations of the OASDI program and Trust Fund operation, and which are proposed as tools for public education. Finally, this paper argues that an important step in shifting public debate is to re-institute full recourse to Treasury funding for any payroll tax shortfall, which will force the public debate back to benefit levels and revenue sources.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-12-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126699307","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: 1
Scale and Competition in Australian Superannuation 澳大利亚养老金的规模与竞争
PSN: Pensions & Retirement (Topic) Pub Date : 2012-11-02 DOI: 10.2139/ssrn.2374930
Wilson N. Sy
{"title":"Scale and Competition in Australian Superannuation","authors":"Wilson N. Sy","doi":"10.2139/ssrn.2374930","DOIUrl":"https://doi.org/10.2139/ssrn.2374930","url":null,"abstract":"Using official data and new econometric models based on how the industry actually works, we show the benefits of scale for members are limited, and confined to the non-profit sector which is structured to incur relatively low fixed costs compared with much higher variable costs. In Australian institutional superannuation, most efficiency gains, such as those from economies of scale, are captured as profits for financial intermediaries, with little benefit for members. Recent regulatory reforms on fee disclosure and scale requirements have the unintended consequences of further reducing competition and benefiting the large financial conglomerates.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-11-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114141255","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
Retirement in Japan and the United States: Cross-National Comparisons Using the Japanese Study of Aging and Retirement (JSTAR) and the U.S. Health and Retirement Study (HRS) 日本和美国的退休:使用日本老龄化和退休研究(JSTAR)和美国健康和退休研究(HRS)的跨国比较
PSN: Pensions & Retirement (Topic) Pub Date : 2012-10-01 DOI: 10.2139/ssrn.2280360
O. Mitchell, J. W. Phillips
{"title":"Retirement in Japan and the United States: Cross-National Comparisons Using the Japanese Study of Aging and Retirement (JSTAR) and the U.S. Health and Retirement Study (HRS)","authors":"O. Mitchell, J. W. Phillips","doi":"10.2139/ssrn.2280360","DOIUrl":"https://doi.org/10.2139/ssrn.2280360","url":null,"abstract":"Cross-national comparisons of data from developed countries offer useful insights into the retirement process and policy. Here we summarize findings for older persons age 50-70 using new microdata files collected by the Japanese Study of Aging and Retirement (JSTAR) project, and we compare these with results in the U.S. Health and Retirement Study (HRS). We examine the relative importance of health, wealth, family, and other factors in work and retirement at older ages cross-nationally. Though both countries have relatively high employment at older ages, the Japanese have longer life expectancy, higher levels of financial wealth, and a lower public pension eligibility age. Our analysis, the first to compare these two rich data sources, suggests two conclusions (subject to revision when data weights become available). First, older Americans differ in key ways from their Japanese counterparts, particularly along educational, health, and wealth dimensions. Second, in some cases, there is a distinctly different impact of these factors on labor force outcomes. Specifically, age, sex, education, and wealth influence behavior differently across the two countries, though being obese or having better mental acuity/financial literacy scores has no differential impact. Thus observed differences in work patterns between Americans and Japanese at older ages are attributable to some identifiable factors; moreover, the results can be used to project future responses to changes in education, age, health, and wealth in order to account for the large differences in older workers’ work patterns at older ages in Japan and the US.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115860882","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
Government Subsidy and New Additional Benefits of German Government (Bundeszuschuss und Zuschussrente Sind Zusätzliche Fürsorgeleistungen zu Lasten der GRV Verantwortbar?) 联邦赠款和赠款退休金体现了超过葛尔夫承担的额外医疗服务吗?
PSN: Pensions & Retirement (Topic) Pub Date : 2012-04-20 DOI: 10.2139/ssrn.2043827
Hellmut D. Scholtz
{"title":"Government Subsidy and New Additional Benefits of German Government (Bundeszuschuss und Zuschussrente Sind Zusätzliche Fürsorgeleistungen zu Lasten der GRV Verantwortbar?)","authors":"Hellmut D. Scholtz","doi":"10.2139/ssrn.2043827","DOIUrl":"https://doi.org/10.2139/ssrn.2043827","url":null,"abstract":"The German version of this paper can be found at http://ssrn.com/abstract=2043039 The paper shows the fundamentals of social security funds as important criteria for the cost apportionment of contributions paid by employees and manual workers and of contributions paid by the government for government subsidy for generalized benefits of the insurance. A budget redistribution of the years 2011-2015 is shown. The arguments are against the general introduction of the planned new benefit “Zuschussrente”. The contributions for that project should be paid only by the government. Ausgehend von der Zweckbestimmung der GRV werden die Voraussetzungen fur die Beurteilung versicherungsfremder Leistungen und die Belastung der Versicherten mit solchen Lasten bis zum Jahre 2015 dargestellt. Eine einfache Gleichung ermoglicht es Interessenten, die versicherungsfremden Belastungen der Versicherten, die eigentlich durch den Bund zu tragen sind, zu berechnen. Die dargestellten Argumente sprechen fur eine sehr genaue Prufung der Notwendigkeit einer Zuschussrente. Fur den Fall einer Einfuhrung ist eine Finanzierung uber den Bund notwendig.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"139 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-04-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123353159","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
Northern Europe as a Role Model: Successful Enterprise in a Globalising Economy 作为榜样的北欧:全球化经济中的成功企业
PSN: Pensions & Retirement (Topic) Pub Date : 2012-04-18 DOI: 10.2139/ssrn.2086141
Frank Jan de Graaf, Nol Hovens, Herman Blom
{"title":"Northern Europe as a Role Model: Successful Enterprise in a Globalising Economy","authors":"Frank Jan de Graaf, Nol Hovens, Herman Blom","doi":"10.2139/ssrn.2086141","DOIUrl":"https://doi.org/10.2139/ssrn.2086141","url":null,"abstract":"Does Northern Europe possess unique characteristics that cannot disappear and do not need to disappear, or will globalisation inevitably result in uniformity, divested businesses, lower wages and huge pressure on social security provisions? This is one of the main questions addressed by the authors.\u0000The authors examine how companies respond to global developments. They also discuss the implications of these developments for entrepreneurs and whether knowledge institutions and governments play a part in creating a climate that is conducive to enterprise. They consider these issues from the perspective of different regions. Each region has its own distinct regional characteristics and its own distinct regional views on particular issues. As well as endeavouring to describe the key macroeconomic characteristics, they also consider how (entrepreneurial and policy-making) organisations should respond to the current macroeconomic challenges.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"80 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2012-04-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131274281","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
Sharing the Burden – How the Older Generation Should Suffer its Share of the Cuts 分担负担——老年一代应该如何承受其削减份额
PSN: Pensions & Retirement (Topic) Pub Date : 2011-02-23 DOI: 10.2139/ssrn.3922140
P. Booth, Corin Taylor
{"title":"Sharing the Burden – How the Older Generation Should Suffer its Share of the Cuts","authors":"P. Booth, Corin Taylor","doi":"10.2139/ssrn.3922140","DOIUrl":"https://doi.org/10.2139/ssrn.3922140","url":null,"abstract":"A look at how cutting non-means-tested benefits and reforming state pensions could save £16bn a year In Sharing the burden – How the older generation should suffer its share of the cuts the IEA looks at the savings that would be made if non-means-tested benefits to older people were cut and the state pension system were reformed. Older people enjoy a privileged position at present. The non-means-tested benefits they receive have not been removed or reduced and the basic state pension is planned to increase above inflation. They also receive particularly favourable treatment in the tax system, with higher personal allowances than younger people and even a marriage allowance if one partner is over 75. This group has received special treatment by the government in its spending review – it has been left more or less exempt from spending cuts. At the same time younger people have felt the cuts through changes such as in tuition fees and child benefit. This paper shows how the government could save £16bn a year by cutting non-means-tested benefits to older people and reforming the state pension system.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2011-02-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121635801","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
Securing the Future for Old Age in the Asia and Pacific Region: Short-Term and Historical Challenges 保障亚太地区老年人的未来:短期和历史挑战
PSN: Pensions & Retirement (Topic) Pub Date : 2009-10-22 DOI: 10.2139/ssrn.3093127
C. Aspalter
{"title":"Securing the Future for Old Age in the Asia and Pacific Region: Short-Term and Historical Challenges","authors":"C. Aspalter","doi":"10.2139/ssrn.3093127","DOIUrl":"https://doi.org/10.2139/ssrn.3093127","url":null,"abstract":"This paper sets out to summarize major conundrums, and some of their solutions, in pension reform policy of the years ahead, with particular reference to the Asia-Pacific Region, and here again, Japan and Thailand. The repercussions for non-action pertaining to the reform and overhaul of public pension systems go far beyond the realm of social policy and economic development. The twin-issue of old-age poverty and fiscal sustainability of public pension systems -- as they are today -- will, and already has started to, shape and fundamentally alter politics and society in the world, and also the Asia and Pacific Region. This paper hence also puts forward sustainable pension reform strategies, recipes and solutions.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2009-10-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129937966","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
Securing the Future for Old Age in Europe 保障欧洲老年人的未来
PSN: Pensions & Retirement (Topic) Pub Date : 2008-04-15 DOI: 10.2139/ssrn.2665504
A. Walker, C. Aspalter
{"title":"Securing the Future for Old Age in Europe","authors":"A. Walker, C. Aspalter","doi":"10.2139/ssrn.2665504","DOIUrl":"https://doi.org/10.2139/ssrn.2665504","url":null,"abstract":"This book covers a range of in-depth country studies on ageing and its impact on the future of welfare state systems, in particular their social security systems, in European countries, all of which are written by very well-known country experts. There has been a couple of monumental books on ageing the future of social policy, this one is another must read in this selection.","PeriodicalId":430314,"journal":{"name":"PSN: Pensions & Retirement (Topic)","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2008-04-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121843949","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: 13
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