[PDF] Delaying Retirement eBook

Author : Dirk Hofäcker
Publisher : Springer
Page : 396 pages
File Size : 44,72 MB
Release : 2016-12-14
Category : Family & Relationships
ISBN : 1137566973

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To a backdrop of ageing societies, pension crises and labour market reforms, this book investigates how the policy shift from early retirement to active ageing has affected individual retirement behaviour. Focusing on eleven European countries, the United States and Japan, it brings together leading international experts to analyze recent changes in pension systems. Their findings demonstrate that there has been a fundamental transition in pension policies and a steep increase in older workers’ retirement ages and employment rates. Yet changes in retirement behavior are not evenly distributed across all societal strata. This raises the serious concern that an overall rise in the retirement age will be accompanied by the re-emergence of social inequality in the transition from work to retirement. This innovative edited collection will appeal to students and scholars of sociology, economics, political science, human resources management, gerontology and social policy, and also to policy-makers and professionals dealing with older workers.

Author : Robert Clark
Publisher : W.E. Upjohn Institute
Page : 88 pages
File Size : 30,21 MB
Release : 2017-02-28
Category : Business & Economics
ISBN : 0880995297

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Aging men and women are increasingly remaining in the labor force. Most often the reason for this is that they need to work additional years in order to be able to support an increasing number of years in retirement. This leaves employers scrambling for ways to adapt to a growing number of retirement-aged workers. Clark and Morrill provide a thorough assessment of the costs and benefits of accommodating later retirement ages, and they describe options employers may use to create some new form of employment contract with aging workers. The most prominent issues employers with aging workers face are declining productivity, rising labor and benefits costs, and a suboptimal age distribution of their workforces. According to the authors, employers could respond to these issues by finding new ways to accommodate older workers with, for instance, phased retirement and return-to-work policies. But the success of such policies also depends on tax policies and whether government-provided retirement benefits could be redesigned to play a role in a newly-defined employment relationship.

Author : Chia-Li Chien
Publisher : Springer Nature
Page : 130 pages
File Size : 18,50 MB
Release : 2019-12-03
Category : Business & Economics
ISBN : 3030336204

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This book and the underlying research address the questions: “How successful are U.S. retirees at sustaining assets from retirement to death?” and “What retirement strategies will enhance their ability to live a successful retirement?” Taking a hard look at real-world retirement statistics from multiple government surveys to answer those questions, it calculates the effects of specific strategies on retirement sustainability. It also discusses the background to prior retirement planning research and describes the three research groups used: 1) determining the success rates of the base population considering only social capital annual income and distributions from portfolios of financial assets, 2) adding the strategy of home equity conversion mortgages, and 3) increasing annual income through delayed social security benefit claiming and continuing work after retirement. The book then examines and compares the results for each to determine whose retirement will be most enhanced by the strategies. Lastly, it presents case studies applying research to real-world financial planning cases.

Author : David B. Loeper
Publisher : John Wiley & Sons
Page : 241 pages
File Size : 37,18 MB
Release : 2011-11-22
Category : Business & Economics
ISBN : 1118133048

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A detailed guide for avoiding the pitfalls of retirement funding In Stop the Retirement Rip-Off, author David Loeper provides the necessary tools for investors to take action and make the most of their retirement plans. It offers a road map for employees to understand the fees and costs associated with their plans; document the excesses in a presentation to management; then organize themselves to protest and, if necessary, bring the documentation to the Labor Department in a complaint. Written in a straightforward and accessible style, this book is filled with sensible strategies for making the most of retirement funds and putting future retirees back on the right financial track. Filled with strategies that can help employees stand up and secure their financial future Addresses how to make the most of your money, and your life, after fixing your retirement plan Outlines a practical approach to understanding your organization's retirement plan and overcoming its potential inefficiencies This important book contains the much-needed information that employees need to plan for retirement and ensure a secure financial future.

Author : ARX Reads
Publisher : ARX Brand International LLC
Page : 18 pages
File Size : 34,66 MB
Release :
Category : Business & Economics
ISBN :

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So, how can you have the retirement you’ve always wanted? After all, retirees want to experience all the things they couldn’t do when they were too busy working. Exotic travel vacations, marathon running, novel writing, spending more time with friends and family — the possibilities are almost endless. There are several steps, which we explain in this retirement guide, from budgeting and setting goals to choosing the right retirement savings account that will help you map out a plan that’s right for you.

Author : Alistair Byrne
Publisher :
Page : 30 pages
File Size : 30,45 MB
Release : 2008
Category :
ISBN :

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Many people delay joining a pension plan until well into their working lives. We use a stochastic simulation model to show the cost of this delay in terms of the higher pension contributions that must eventually be paid to ensure an adequate retirement income. We find the levels of contributions required for individuals who start saving late are so high it is questionable whether they are affordable for anyone not on a high income. We also analyse the cost in terms of reduced pension of an interrupted labour market history, such as that experienced by someone who leaves work for a period to bring up a family.

Author : Alice Zulkarnain
Publisher :
Page : 52 pages
File Size : 45,94 MB
Release : 2018
Category :
ISBN :

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Older Americans have been retiring later for a number of reasons, including jobs that are becoming less physically demanding, the shift from defined benefit to defined contribution pensions, and changes in Social Security's incentives. What are the implications of working longer for workers' mortality and health? Answering this question is complicated, because work and health are jointly determined - healthy people with lower mortality tend to work longer. Previous studies looking at the causal effect of work on mortality and health have found mixed results and have tended to focus on the effects of early retirement, not delayed retirement. A simple assumption would be that the relationship between them is symmetric. But it is unclear that that assumption is correct - after all, people who decide to keep working are likely a healthier group than those who stop early. This paper uses administrative data from the Netherlands and exploits policy variation designed to delay retirement to explore the links between work and health outcomes.