管理退休收入

IF 6.8 2区 经济学 Q1 ECONOMICS
Rowena Crawford, J. Banks
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引用次数: 0

摘要

在这篇文章中,我们讨论了有关退休财富计算和退休收入管理的文献状况。一方面,考虑到强烈的遗赠动机和医疗费用风险影响的生命周期模型已被证明能够合理化退休人员的财富、收入和消费轨迹。另一方面,对个人资产选择和投资组合决策的研究似乎表明,金融知识和参与程度较低,与年龄相关的认知能力下降对金融决策的影响不容忽视。我们认为,未来的工作应该努力将这两组相互矛盾的发现调和成一个连贯和全面的证据库,为政策提供信息,因为有关退休收入管理和更广泛的退休不同风险保险的问题,对未来的退休人群来说将变得越来越重要。《经济学年度评论》第14卷预计最终在线出版日期为2022年8月。请参阅http://www.annualreviews.org/page/journal/pubdates用于修订估算。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Managing retirement incomes
In this article we discuss the state of the literature relating to the decumulation of retirement wealth and the management of retirement incomes. On the one hand, life-cycle models that allow for strong bequest motives and for the effects of medical expense risks have been shown to be able to rationalize retirees’ wealth, income, and consumption trajectories. On the other, studies of individual asset choices and portfolio decisions seem to suggest low levels of financial literacy and engagement as well as non-negligible consequences of age-related cognitive decline on financial decision making. We argue that future work should try to reconcile these two sets of conflicting findings into a coherent and holistic evidence base to inform policy, because issues concerning the management of retirement incomes, and insurance against different risks in retirement more generally, will become increasingly important for future cohorts of retirees. Expected final online publication date for the Annual Review of Economics, Volume 14 is August 2022. Please see http://www.annualreviews.org/page/journal/pubdates for revised estimates.
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来源期刊
CiteScore
9.70
自引率
3.60%
发文量
34
期刊介绍: The Annual Review of Economics covers significant developments in the field of economics, including macroeconomics and money; microeconomics, including economic psychology; international economics; public finance; health economics; education; economic growth and technological change; economic development; social economics, including culture, institutions, social interaction, and networks; game theory, political economy, and social choice; and more.
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