Download or read book Retirement Security written by Kimberley Granger and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: About half of private sec ...
Download or read book Retirement Security Federal Action Could Help State Efforts to Expand Private Sector Coverage written by U.s. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-07-27 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: " Millions of U.S. workers have little or no savings for retirement, potentially adding to future strains on state and national safety net programs. In addition to federal efforts, a growing number of states have proposed efforts to expand coverage in private sector workplace retirement savings programs. Other countries have also implemented similar efforts. GAO was asked to study these state and international efforts. GAO examined: (1) recent estimates of coverage, including access and participation, as well as characteristics of workers who lack coverage; (2) strategies used by states and other countries to expand coverage; and (3) challenges states could face given existing federal law and regulations. GAO primarily used SIPP data from 2012 (the most recent available). GAO also interviewed federal officials, national industry stakeholders, and officials and stakeholders in six states (California, Illinois, Maryland, Massachusetts, Washington, and West Virginia) and three countries (Canada, New Zealand, and the United Kingdom) selected based on the range of strategies used in efforts to increase coverage and recommendations from knowledgeable stakeholders. "
Download or read book Retirement Security written by Charles A. Jeszeck and published by . This book was released on 2015-11-02 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retirement Security Federal Action Could Help State Efforts to Expand Private Sector Coverage written by United States. Government Accountability Office and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retirement Security Federal Action Could Help State Efforts to Expand Private Sector Coverage written by United States. Government Accountability Office and published by . This book was released on 2015 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retire Ready written by Terri McGray CFP® AIF® and published by Archway Publishing. This book was released on 2019-03-08 with total page 466 pages. Available in PDF, EPUB and Kindle. Book excerpt: When you offer your employees a 401(k) plan, you can’t just say “good luck” and expect success. Only a generation ago, employers provided pension plans that guaranteed employees a retirement income for life. Workers had to do little more than show up for work every day to earn benefits. Today, the responsibility has shifted. Workers are more responsible for their future than ever, yet they are ill prepared for the complexity of the issues that face them. It’s no easy task to prepare for retirement while juggling today’s financial demands. American’s are worried about their retirement, and with good reason. Longevity, market risks, taxes, uncertainty with Social Security, inflation, and soaring health care costs are a real concern. The lack of retirement readiness in the United States is troublesome. Terri McGray, CFP®, AIF® founder of Longevity Capital Management LLC, draws on thirty years of retirement expertise to help employers learn how to: • Reduce financial stress in the workforce • Support retirement readiness • Inspire and motivate action • Minimize costs and expenses • Lessen the workload and mitigate liability With easy-to-follow steps, Retire Ready will help you get your employees on the path towards retirement readiness.
Download or read book Retirement Security written by Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-08-08 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: " About 42 million workers, or about one-third of all private-sector employees, work for employers with fewer than 100 employees, and recent federal data suggest many of these workers lack access to work-based retirement benefits. Despite efforts by the federal government to develop new plan designs and to increase tax incentives, plan sponsorship remains low among small employers. MEPs, a type of arrangement involving more than one employer, have been suggested as a potential way to increase coverage. This testimony describes (1) the challenges small employers face in helping ensure that their workers secure retirement income, and (2) types of MEPs and their potential to address these challenges. GAO drew from its previous reports related to small employer challenges in establishing and maintaining a retirement plan and recent work on MEPs issued from March 2012 through September 2012. "
Download or read book Wealth After Work written by William G. Gale and published by Brookings Institution Press. This book was released on 2021-07-27 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.
Download or read book How Persistent Low Returns Will Shape Saving and Retirement written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2018-08-23 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial market developments over the past decade have undermined what was once thought to be conventional wisdom about saving, investment, and retirement spending. How Persistent Low Returns Will Shape Saving and Retirement explores how the weak capital market performance predicted for the next several years will shape pension saving, investment, and decumulation plans. Academics, policymakers, and industry leaders debate alternative strategies to cope with these challenges globally, as economic growth remains slow and low returns become the 'new normal.' This volume includes contributions from plan sponsors, benefit specialists, actuaries, academics, regulators, and others working to design resilient pensions for the next decades. Together, they identify several new tools for retirement savers and pension managers.
Download or read book 2017 CFR Annual Print Title 29 Labor Part 1927 to End written by Office of The Federal Register and published by IntraWEB, LLC and Claitor's Law Publishing. This book was released on 2017-07-01 with total page 1269 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retirement Security written by U S Government Accountability Office (G and published by BiblioGov. This book was released on 2013-06 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pursuant to a congressional request, GAO analyzed the recommendations made by the Private Sector Survey on Cost Control, commonly referred to as the Grace Commission, to change the civil service retirement system. The Commission concluded that the cost and benefit levels of the civil service retirement system are much greater than private sector retirement programs. Generally, the Commission's recommendations were presented as a means by which the federal retirement system could be made comparable to private sector pension plans, and it estimated a savings of $43 billion on a present value basis if all of its recommendations are implemented. GAO stated that, in many respects, the Commission's recommendations are representative of private sector plan features. However, the Commission's proposals do not include a capital accumulation plan, which is a major element of private sector retirement programs. Without such a plan, adoption of the recommendations would result in lower benefits for federal employees than are typically provided to private sector employees. GAO found that, for many of its recommendations, the Commission overstated the level of savings which could be achieved. Some of the recommendations would reduce the value of benefits which employees have already accrued, and two of the recommendations would reduce benefit amounts now being paid to many retirees. If enacted, these benefit reductions could be questioned in the courts.
Download or read book 2018 CFR Annual Digital e Book Edition 40 Protection of Environment Parts 61 to 62 written by Office of The Federal Register and published by IntraWEB, LLC and Claitor's Law Publishing. This book was released on 2018-07-01 with total page 650 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book 2018 CFR Annual Print Title 29 Labor Part 1927 to End written by Office of The Federal Register and published by IntraWEB, LLC and Claitor's Law Publishing. This book was released on 2018-07-01 with total page 1269 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Code of Federal Regulations written by and published by . This book was released on 2017 with total page 1276 pages. Available in PDF, EPUB and Kindle. Book excerpt: Special edition of the Federal Register, containing a codification of documents of general applicability and future effect ... with ancillaries.
Download or read book Privatizing Social Security written by Martin Feldstein and published by University of Chicago Press. This book was released on 2008-04-15 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume represents the most important work to date on one of the pressing policy issues of the moment: the privatization of social security. Although social security is facing enormous fiscal pressure in the face of an aging population, there has been relatively little published on the fundamentals of essential reform through privatization. Privatizing Social Security fills this void by studying the methods and problems involved in shifting from the current system to one based on mandatory saving in individual accounts. "Timely and important. . . . [Privatizing Social Security] presents a forceful case for a radical shift from the existing unfunded, pay-as-you-go single national program to a mandatory funded program with individual savings accounts. . . . An extensive analysis of how a privatized plan would work in the United States is supplemented with the experiences of five other countries that have privatized plans." —Library Journal "[A] high-powered collection of essays by top experts in the field."—Timothy Taylor, Public Interest
Download or read book From Here to Security How Workplace Savings Can Keep America s Promise written by Robert L. Reynolds and published by McGraw Hill Professional. This book was released on 2017-09-08 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: The practical, nonpartisan guide to making our retirement savings systems work for America’s people, our economy, and the nation at large At a time of fierce political divisiveness, From Here to Security is a refreshingly balanced, non-ideological guide to solving what may be our nation’s most pressing policy challenge: achieving retirement security for all. A pioneer of the 401(k) system, Robert L. Reynolds eschews radical calls for throwing out the 401(k) entirely and creating a new government-run savings system. Our best course, he shows, is to build on what we have: a flexible, dynamic private-public system of Social Security and more robust workplace savings. From Here to Security provides a clear, powerful new approach to solving America’s retirement challenge – based on facts, data, and Reynolds’ decades of experience. While fear-mongers claim that the U.S. retirement system is on the verge of collapse; Reynolds shows why our system is actually the envy of the world. But From Here to Security is no status quo book. Reynolds lays out an action agenda to dramatically improve our retirement systems – public and private – lift our savings rate, improve people’s retirement prospects, spur faster growth – and reboot America’s national morale.
Download or read book Actions That Could Increase Work Participation for Adults with Disabilities written by Daniel Bertoni and published by DIANE Publishing. This book was released on 2010-11 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Americans with Disabilities Act (ADA) calls for the full participation of individuals with disabilities in society, including the workforce. Yet, many barriers exist that may prevent them from staying connected or returning to employment. For instance, eligibility requirements for receiving public disability benefits or health coverage are not always consistent with helping to keep individuals at work or facilitating their return. Also, employers may not know how to accommodate employees with disabilities or may lack financial incentives to do so. This report presents policy options and actions that could be taken to help adults with a current or past work history improve their participation in the workforce. Charts and tables.
