This book posits that retirement security is the central policy concern of our time. A generation of 'Baby Boomers' is on the verge of retirement, yet pension systems confront crushing challenges, and governments often appear confused about which direction they should move in. Contributors to this volume clarify the discussion by addressing the question: 'What are the new risks and rewards in pensions, and what paths can stakeholders chose to solve these problems?'. The chapters set their sights on employees' needs and expectations, employers' intentions and realizations, and policymakers' efforts to resolve the many challenges. Despite the fact that retirement systems face deep stresses exacerbated by volatile capital markets, poor corporate earning streams, weak macroeconomic performance, and international turmoil, nevertheless, contributors in this volume show courage and creativity in plotting the course over uneven terrain. In the book, three aspects of the evolution of risk and reward-sharing in retirement are evaluated, to offer guidance to pension fiduciaries, plan participants, and policymakers. First, it formulates new perspectives for assessing retirement risks and rewards. Second, it evaluates efforts to insure retirement plans. Third, it proposes several new strategies for managing retirement system risk. The volume represents an invaluable addition to the Pension Research Council/Oxford University Press series. It will be especially useful for managers working toward more efficient pension plans; to scholars and policymakers seeking to maximize pension design effectiveness; and to actuaries and tax specialists concerned with pension regulation. The Pension Research Council at the Wharton School of the University of Pennsylvania was founded 50 years ago to encourage research and teaching on pensions and retirement security. Council projects address the long-term issues that underlie contemporary concerns and seek to broaden public understanding of these complex arrangements through research into their social, economic, legal, actuarial, and financial foundations of privately and publicly-provided benefits.

Stepping Lightly Around the Pitfalls of Estate Planning...

Estate planning is one of those unpleasant but really important tasks. Unfortunately, the process is not only hard to get started, it is then easy to make mistakes. Even the most careful and well-intentioned person can slip up along the way. Avoid the pitfalls "The 50 Biggest Estate Planning Mistakes" outlines the major mistakes and their consequences in an entertaining way-and then proceeds to tell you exactly how to avoid these mistakes.

Delivering practical and helpful information in a light tone, the authors help to make these sometimes difficult conversations a little easier. The book's fifty concise chapters are filled with real-life examples, organized under four key areas of mistakes: The biggest mistake of not planning at allFailing to plan for the possibility of mental incompetencyMistakes made during the estate planning process itselfAnd common mistakes made by executors

Written by personal finance and estate planning experts, Jean Blacklock and Sarah Kruger, "The 50 Biggest Estate Planning Mistakes and How To Avoid Them" is an essential guide for Canadians interested in planning their estates effectively, with minimal stress on their loved ones.

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 futureAddresses how to make the most of your money, and your life, after fixing your retirement planOutlines 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.

Die Alterssicherung von Frauen war und ist ein zentrales Thema vieler Reformdiskussionen. "Eigenstandige Alterssicherung oder abgeleitete Sicherung (Hinterbliebenenrente)" sowie "Berucksichtigung von Kindern in der Alterssicherung" gehoeren seit langem zu den Kernthemen. Sie spielen im Rahmen der aktuell geplanten Rentenreform, aber auch bei der zukunftigen Weiterentwicklung des Alterssicherungssystems eine wichtige Rolle. In diesem Band diskutieren Wissenschaftler und Praktiker die grundsatzlichen und aktuellen Fragen der Alterssicherung von Frauen. Zentrale Themen sind die AEnderungen in den Lebensverlaufen und Erwerbsbiographien, veranderte Familien- und Haushaltsstrukturen, sich andernde Bedingungen in der Arbeitswelt und speziell auch auf den Arbeitsmarkten und die sich wandelnden gesellschaftlichen und politischen Normvorstellungen.