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Accounting-Based Asset Return Smoothing in Participating Life Annuities: Implications for Annuitants, Insurers, and Policymakers

Raimond Maurer, Olivia S. Mitchell, Ralph Rogalla and Ivonne Siegelin.

in Retirement System Risk Management

October 2016; p ublished online November 2016 .

Chapter. Subjects: Pensions; Financial Institutions and Services. 4022 words.

Insurance companies offering variable life annuity products have been permitted to report asset values in their income statements at historical cost instead of fair market values, under...

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Adopting Hybrid Pension Plans: Effects of Economic Crisis and Regulatory Reform

Robert L. Clark, Alan Glickstein and Tomeka Hill.

in Reshaping Retirement Security

September 2012; p ublished online January 2013 .

Chapter. Subjects: Pensions. 7504 words.

This chapter examines the factors that affected plan sponsors’ decisions to convert a traditional defined benefit plan to a hybrid design. The study uses combined plan level data from Form...

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Advice in Defined Contribution Plans

Gordon L. Clark, Maurizio Fiaschetti and Peter Tufano.

in Financial Decision Making and Retirement Security in an Aging World

October 2017; p ublished online November 2017 .

Chapter. Subjects: Pensions; Financial Institutions and Services. 6832 words.

As Baby Boomers reach retirement age, they are reshaping the landscape of the retirement phase with a shift in their mindset; they are pursuing old dreams, exploring new opportunities, and...

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Aging and Competence in Decision Making

Wändi Bruine de Bruin.

in Financial Decision Making and Retirement Security in an Aging World

October 2017; p ublished online November 2017 .

Chapter. Subjects: Pensions; Financial Institutions and Services. 7102 words.

This chapter reviews recent developments in research on decision making competence across the lifespan. It highlights age differences in four main skills that may contribute to making good...

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Aging and Exploitation

Marguerite DeLiema and Martha Deevy.

in Financial Decision Making and Retirement Security in an Aging World

October 2017; p ublished online November 2017 .

Chapter. Subjects: Pensions; Financial Institutions and Services. 12221 words.

Elder financial victimization is a growing problem facing older Americans. As the conduits of financial transactions, financial firms are positioned to stop losses at their source....

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Annuities and their Derivatives: The Recent Canadian Experience

Moshe A. Milevsky and Ling-wu Shao.

in Securing Lifelong Retirement Income

May 2011; p ublished online September 2011 .

Chapter. Subjects: Pensions. 5521 words.

This chapter surveys recent developments within the Canadian ‘income annuity’ marketplace. The chapter starts by computing the Money's worth ratio (MWR) using a unique dataset which...

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Annuities, Financial Literacy, and Information Overload

Julie Agnew and Lisa Szykman.

in Financial Literacy: Implications for Retirement Security and the Financial Marketplace

October 2011; p ublished online January 2012 .

Chapter. Subjects: Pensions. 8094 words.

This chapter investigates how financial literacy and information overload influence the decision to purchase an annuity and how they relate to subsequent confidence and satisfaction. Using...

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Annuity demand theory

Edmund Cannon and Ian Tonks.

in Annuity Markets

October 2008; p ublished online January 2009 .

Chapter. Subjects: Pensions. 14629 words.

This chapter discusses Yaari's (19665) annuitization result, which states that a risk-averse individual concerned about longevity risk (uncertain length of life) will always purchase...

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Annuity Markets

Edmund Cannon and Ian Tonks.

October 2008; p ublished online January 2009 .

Book. Subjects: Pensions. 320 pages.

Governments around the world are responding to the rising ratio of elderly-to-young persons (‘The Pensions Crisis’) by shifting their pension policies away from pay-as-you-go systems...

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Annuity markets around the world

Edmund Cannon and Ian Tonks.

in Annuity Markets

October 2008; p ublished online January 2009 .

Chapter. Subjects: Pensions. 6463 words.

This chapter examines the structure and prevalence of annuity markets in a number of selected countries around the world: Australia, Chile, Germany, Italy, Singapore, Sweden, Switzerland,...

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Annuity Markets in Japan

Junichi Sakamoto.

in Securing Lifelong Retirement Income

May 2011; p ublished online September 2011 .

Chapter. Subjects: Pensions. 4674 words.

In Japan, annuities are not currently very popular as a means to finance retirement, since many people rely on government social security benefits in old age. When annuities are sold, they...

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Annuity Valuation, Long‐Term Care, and Bequest Motives

John Ameriks, Andrew Caplin, Steven Laufer and Stijn Van Nieuwerburgh.

in Recalibrating Retirement Spending and Saving

September 2008; p ublished online January 2009 .

Chapter. Subjects: Pensions. 9046 words.

Financial security in retirement has traditionally meant having a steady flow of annuity income as long as one lives — a definition enshrined in the Social Security system. Earlier research...

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Are Baby Boomers Living Well Longer?

Brigitte Madrian, Olivia S. Mitchell and Beth J. Soldo.

in Redefining Retirement

August 2007; p ublished online September 2007 .

Chapter. Subjects: Pensions. 6101 words.

This chapter uses the Health and Retirement Study to describe the relationship between work and health for older persons by age. It examines patterns within a given cross-section and also...

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Are Retirees Falling Short? Reconciling the Conflicting Evidence

Alicia H. Munnell, Matthew S. Rutledge and Anthony Webb.

in Reimagining Pensions

January 2016; p ublished online March 2016 .

Chapter. Subjects: Pensions. 8860 words.

The National Retirement Risk Index shows that more than half of working-age households are at risk of failing to maintain their pre-retirement standard of living in retirement. In contrast,...

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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

October 2013; p ublished online January 2014 .

Chapter. Subjects: Pensions. 10663 words.

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...

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Asset Allocation within Variable Annuities: The Impact of Guarantees

Moshe A. Milevsky and Vladyslav Kyrychenko.

in Recalibrating Retirement Spending and Saving

September 2008; p ublished online January 2009 .

Chapter. Subjects: Pensions. 7533 words.

The latest generation of variable annuity contracts contains equity options plus longevity insurance, sometimes thought to be attractive to purchasers willing to take on financial risk....

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The Australian Retirement Income System: Comparisons with and Lessons for the United States

Rafal Chomik and John Piggott.

in Reimagining Pensions

January 2016; p ublished online March 2016 .

Chapter. Subjects: Pensions. 6761 words.

Australia has an atypical retirement income system: it comprises a flat-rate, non-contributory, affluence-tested age pension, and a mandatory, defined contribution accumulation plan to...

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Baby Boomers versus Their Parents: Economic Well‐Being and Health Status

Joyce Manchester, David Weaver and Kevin Whitman.

in Redefining Retirement

August 2007; p ublished online September 2007 .

Chapter. Subjects: Pensions. 10134 words.

The Social Security Administration's simulation model known as MINT (Modeling Income in the Near Term) is used to examine the projected health and economic status of Baby Boomers and their...

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Back to the Future: Hybrid Co-operative Pensions and the TIAA-CREF System

Benjamin Goodman and David P. Richardson.

in Reimagining Pensions

January 2016; p ublished online March 2016 .

Chapter. Subjects: Pensions. 7559 words.

Hybrid retirement plans that combine the best features of defined benefit and defined contribution plans can provide an efficient and equitable method of ensuring retirement security for...

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Being in the Market

Gordon L. Clark, Kendra Strauss and Janelle Knox-Hayes.

in Saving for Retirement

January 2012; p ublished online May 2012 .

Chapter. Subjects: Pensions. 9409 words.

In this chapter we develop a model of behavior in time and space that allows for the coexistence of different types of response to changing market conditions. From the “sophisticated”...

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