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Chapter Chapter Reality Testing for Pension Reform

Pamela Perun and C. Eugene Steuerle

in Reinventing the Retirement Paradigm

Published in print:
2005
Published Online:
February 2006
ISBN:
9780199284603
eISBN:
9780191603013
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199284601.003.0003
Subject:
Economics and Finance, Financial Economics

There are two very different types of proposals for private pension system change that have been put before Congress. The first type of change can be seen in the Pension Preservation and Savings ... More


The Role of Company Stock in Defined Contribution Plans

Olivia S. Mitchell and Kent Smetters

in The Pension Challenge: Risk Transfers and Retirement Income Security

Published in print:
2003
Published Online:
August 2004
ISBN:
9780199266913
eISBN:
9780191601323
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199266913.003.0003
Subject:
Economics and Finance, Financial Economics

This chapter examines the holding patterns of company stock in defined contribution (DC) plans, why employers and employees tolerate high levels of company stock holdings, and the impact of ... More


“Money Attitudes” and Retirement Plan Design: One Size Does Not Fit All

Donna M. MacFarland, Carolyn D. Marconi, and Stephen P. Utkus

in Pension Design and Structure: New Lessons from Behavioral Finance

Published in print:
2004
Published Online:
January 2005
ISBN:
9780199273393
eISBN:
9780191601675
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199273391.003.0006
Subject:
Economics and Finance, Financial Economics

The chapter examines how workers’ attitudes about money and retirement planning influence their participation in defined contribution (DC) pension plans. Workers were grouped into five “money ... More


Perspectives on Pensions in Eastern Europe

Katharina Müller

in Britain's Pensions Crisis: History and Policy

Published in print:
2006
Published Online:
January 2012
ISBN:
9780197263853
eISBN:
9780191734281
Item type:
chapter
Publisher:
British Academy
DOI:
10.5871/bacad/9780197263853.003.0015
Subject:
Political Science, Political Theory

The dramatic political and economic changes witnessed by Central and Eastern Europe (CEE) and the Former Soviet Union (FSU) since the late 1980s did not leave the area of old-age security unaffected. ... More


The Revolution in Retirement Plans

Matthew P. Fink

in The Rise of Mutual Funds: An Insider's View

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195336450
eISBN:
9780199868469
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195336450.003.0007
Subject:
Economics and Finance, Macro- and Monetary Economics, Financial Economics

Today it is natural to associate mutual funds with retirement plans since funds are the largest funding medium for 401(k) and other defined contribution plans, as well as for Individual Retirement ... More


Managing Pension and Retirement Plans: A Guide for Employers, Administrators, and Other Fiduciaries

August Baker, Dennis E. Logue, and Jack S. Rader

Published in print:
2004
Published Online:
July 2005
ISBN:
9780195165906
eISBN:
9780199835508
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/019516590X.001.0001
Subject:
Economics and Finance, Financial Economics

This book discusses the different financial issues surrounding pension plans. It covers the different types of pension plans, fiduciary responsibilities, investment policy, performance monitoring, ... More


Retirement Guarantees in Voluntary Defined Contribution Plans

Olivia S. Mitchell and Kent Smetters

in The Pension Challenge: Risk Transfers and Retirement Income Security

Published in print:
2003
Published Online:
August 2004
ISBN:
9780199266913
eISBN:
9780191601323
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199266913.003.0012
Subject:
Economics and Finance, Financial Economics

This chapter examines the rate of return guarantee options in defined contribution (DC) plans. Guarantees in DC plans offer fixed nominal rates of return over a calendar year. Rate of return ... More


Chapter Chapter The Future of Pension Plan Design

David McCarthy

in Reinventing the Retirement Paradigm

Published in print:
2005
Published Online:
February 2006
ISBN:
9780199284603
eISBN:
9780191603013
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199284601.003.0006
Subject:
Economics and Finance, Financial Economics

This chapter brings together the literature on pension compensation and optimal portfolio choice to seek solutions to the ‘pension design’ problem. It identifies the factors that must be taken into ... More


Company Stock and Pension Plan Diversification

Olivia S. Mitchell and Kent Smetters

in The Pension Challenge: Risk Transfers and Retirement Income Security

Published in print:
2003
Published Online:
August 2004
ISBN:
9780199266913
eISBN:
9780191601323
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199266913.003.0004
Subject:
Economics and Finance, Financial Economics

This chapter proposes a measure of the diversification level in defined contribution (DC) plans, and explains how plan participants can insure themselves against a decline in wealth due to an ... More


An Introduction to Pension Plans

August Baker, Dennis E. Logue, and Jack S. Rader

in Managing Pension and Retirement Plans: A Guide for Employers, Administrators, and Other Fiduciaries

Published in print:
2004
Published Online:
July 2005
ISBN:
9780195165906
eISBN:
9780199835508
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/019516590X.003.0001
Subject:
Economics and Finance, Financial Economics

This chapter presents an overview of the two major types of pension plans: defined benefit (DB) plans and defined contribution (DC) plans. Under DB plans, the employee receives an annuity at ... More


Investment Policy and Asset Allocation for Defined Contribution Plans

August Baker, Dennis E. Logue, and Jack S. Rader

in Managing Pension and Retirement Plans: A Guide for Employers, Administrators, and Other Fiduciaries

Published in print:
2004
Published Online:
July 2005
ISBN:
9780195165906
eISBN:
9780199835508
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/019516590X.003.0011
Subject:
Economics and Finance, Financial Economics

This chapter begins by discussing the trend towards defined contribution (DC) plans over the last 25 to 30 years. This trend has placed more and more sponsors in a situation where the employees are ... More


Overview: Developments in Risk Management for Retirement Security

Olivia S. Mitchell and Kent Smetters

in The Pension Challenge: Risk Transfers and Retirement Income Security

Published in print:
2003
Published Online:
August 2004
ISBN:
9780199266913
eISBN:
9780191601323
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199266913.003.0001
Subject:
Economics and Finance, Financial Economics

This chapter discusses developments in managing risks in retirement plans. It begins with a brief analysis on why traditional defined benefit pension plans are being abandoned for defined ... More


Longevity-Insured Retirement Distributions: Basic Theories and Institutions

Jeffrey R. Brown

in Retirement Income: Risks and Strategies

Published in print:
2011
Published Online:
August 2013
ISBN:
9780262016933
eISBN:
9780262301596
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262016933.003.0003
Subject:
Economics and Finance, Public and Welfare

This chapter examines the extent to which individuals can and do insure themselves against longevity risk in defined contribution plans, and why this is an issue of policy concern, focusing on three ... More


Employee Stock Ownership Plans and Company Stock

August Baker, Dennis E. Logue, and Jack S. Rader

in Managing Pension and Retirement Plans: A Guide for Employers, Administrators, and Other Fiduciaries

Published in print:
2004
Published Online:
July 2005
ISBN:
9780195165906
eISBN:
9780199835508
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/019516590X.003.0012
Subject:
Economics and Finance, Financial Economics

Employee stock ownership plans (ESOPs) are a special form of defined contribution (DC) plan available to corporate sponsors in which the investments are not employee directed. There are essentially ... More


And Then, A Predictable Defined Contribution Surprise

Sylvester J. Schieber

in The Predictable Surprise: Unraveling the U.S. Retirement System

Published in print:
2012
Published Online:
April 2015
ISBN:
9780199890958
eISBN:
9780190261382
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199890958.003.0019
Subject:
Economics and Finance, Microeconomics

This chapter examines the implications of the shift from defined benefit plans to defined contribution plans. In 1975, almost 68 percent of the benefits that were paid out of private ... More


Retirement Security in a DC World: Using Behavioral Finance to Bridge the Expertise Gap

Gregory Stein and Jason Scott

in Pension Design and Structure: New Lessons from Behavioral Finance

Published in print:
2004
Published Online:
January 2005
ISBN:
9780199273393
eISBN:
9780191601675
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199273391.003.0011
Subject:
Economics and Finance, Financial Economics

The advent of defined contribution plans has created the need to educate employees about these plans for them to make informed investment decisions. The likelihood that employees will utilize an ... More


How do Retirees Go from Stock to Flow?

John Ameriks

in Pension Design and Structure: New Lessons from Behavioral Finance

Published in print:
2004
Published Online:
January 2005
ISBN:
9780199273393
eISBN:
9780191601675
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199273391.003.0013
Subject:
Economics and Finance, Financial Economics

This chapter examines mechanisms used by retired and retiring individuals in a defined contribution pension plan to finance retirement income flows. The study draws on the mechanisms used by Teachers ... More


Asking for Help: Survey and Experimental Evidence on Financial Advice and Behavior Change

Angela A. Hung and Joanne K. Yoong

in The Market for Retirement Financial Advice

Published in print:
2013
Published Online:
January 2014
ISBN:
9780199683772
eISBN:
9780191763359
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199683772.003.0009
Subject:
Business and Management, Pensions and Pension Management

When do individuals actually improve their financial behavior in response to advice? Using survey data from current defined contribution (DC) plan holders in the RAND American Life Panel (ALP), we ... More


Design Features that Determine Gender Outcomes

Estelle James, Alejandra Cox Edwards, and Rebeca Wong

in The Gender Impact of Social Security Reform

Published in print:
2008
Published Online:
February 2013
ISBN:
9780226392004
eISBN:
9780226392028
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226392028.003.0009
Subject:
Economics and Finance, Public and Welfare

Multipillar social security systems consist of two parts: a privately managed funded defined contribution (DC) plan that handles workers' retirement saving and a publicly managed, tax-financed ... More


Toward the 401(K) Ownership Society

Michael A. McCarthy

in Dismantling Solidarity: Capitalist Politics and American Pensions since the New Deal

Published in print:
2017
Published Online:
September 2017
ISBN:
9780801454226
eISBN:
9781501708206
Item type:
chapter
Publisher:
Cornell University Press
DOI:
10.7591/cornell/9780801454226.003.0005
Subject:
Sociology, Economic Sociology

This chapter explains the rise of defined-contribution plans, such as 401(k)s, after the late 1970s. In the postwar period, policymakers were determined to quiet labor-management conflicts and ... More


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