The retirement challenge: what's wrong with America's system and a sensible way to fix it
"We need a new retirement paradigm as private pensions disappear. Families must take more responsibility for their retirement by saving consistently, working long enough to accumulate enough savings, and spending their savings at an appropriate rate in retirement. Families cannot build a secure...
Gespeichert in:
| Hauptverfasser: | , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
New York, NY
Oxford University Press
[2023]
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Zusammenfassung: | "We need a new retirement paradigm as private pensions disappear. Families must take more responsibility for their retirement by saving consistently, working long enough to accumulate enough savings, and spending their savings at an appropriate rate in retirement. Families cannot build a secure retirement by themselves, however; they need help from government and employers. This book discusses the strengths and weaknesses of our current retirement system and suggests feasible, sensible reforms to make it much better"-- |
| Beschreibung: | xviii, 280 Seiten Illustrationen 25 cm |
| ISBN: | 9780197639276 |
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| 505 | 8 | |a Overview -- Retirement: How are we doing? -- Retirement and economic growth -- Entitlements: The cornerstone of retirement -- Working longer -- Why is saving so hard? -- Transitioning to retirement in a changing labor market -- How annuities can mitigate uncertainty and improve -- How are families planning for end-of-life care? -- Reverse mortgages -- How to improve retirement accounts -- Improving opportunities for older workers -- Reforming private insurance markets -- A vision for a new retirement paradigm | |
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CONTENTS List of Tables and Figures xi Preface xiii Contributors to the Brookings-Kellogg Retirement Events xvii 1. Overview 1 Retirement: From Whence It Came 3 Needed: A New Paradigm for Retirement 5 The Agenda for Families, Companies, and Policymakers 7 We Can Do This 11 2. Retirement: How Are We Doing? 12 Defined-Benefit Pensions and Defined Contribution (401(K)-Type) Plans 13 Assessing How Well Americans Are Prepared for Retirement 16 The Critical Role of Uncertainty 23 Summing Up 29 3. Retirement and Economic Growth 31 The Impact of Slow Economic Growth on Retirement Policies and Decisions 31 The Potential Impact of Retirement Saving on Economic Growth 34 Strong Economic Growth Has Been Elusive 35 Investment Benefits Both Workers and the Economy 40 Funding and Investment Increase 43
viii CONTENTS 4. Entitlements: The Cornerstone of Retirement 45 Social Security 47 Medicare and Medicaid 50 Trust Fund Woes 51 Entitlements in the Larger Budget Discussion 54 Worrying, or Not, About Deficits and Debt 58 What’s to Come for Entitlement Programs 60 5. Working Longer 64 How Do People Decide When to Retire? 66 Are People Making Good Retirement Decisions? 69 How Much Are Adults Working, and Why? 72 Do Changing Incentives Help Explain the Labor Force Trends of Older Workers? 76 Making the Right Retirement Decisions 79 6. Why Is Saving So Hard? 80 Barriers to Saving 81 Unequal Tax Breaks for Saving 89 7. Transitioning to Retirement in a Changing Labor Market 94 Part-Time Work Among Older Workers 96 Paths to Retirement 97 Self-Employment at Older Ages 99 Can Internet Platforms Help Older People Find Work? 100 Older Workers Must Understand the Changing Labor Market 102 Can Phased Retirement Improve Health? 107 8. How Annuities Can Mitigate Uncertainty and Improve Retirement 110 Annuity Products 112 Economists Value Annuities; Consumers Do Not 116 Behavioral Biases Against Annuities 118 Longevity Annuities 120 The Tax Implications 122
CONTENTS 9. How Are Families Planning for End-of-Life Care? 125 Long-Term Care and the Population That Needs It 126 Long-Term Care: Its Costs and Financing 130 Market Failures and Distortions 135 Toward Solutions 140 10. Reverse Mortgages 142 The Reverse Mortgage Market 143 The HECM Program 146 The Reverse Mortgage Market over Time 150 Reverse Mortgages: Pros and Cons 155 11. How to Improve Retirement Accounts 162 A Retirement Account Vision 164 Reforms to Improve Retirement Accounts 165 The Need for Action 176 12. Improving Opportunities for Older Workers 177 Financial Incentives to Work Longer 179 Changing Attitudes Toward Retirement, Older Worker Productivity 183 Strengthen Age Discrimination Protections 187 Retrain Older Workers 189 13. Reforming Private Insurance Markets 192 Why Reform Private Insurance Markets? 194 Reverse Mortgages 196 Annuities 200 Long-Term Care 204 14. A Vision for a New Retirement Paradigm 209 The Most Important Steps to Improve Retirement 211 Why Alternative Proposals Will Not Work 214 Why Our Vision for Retirement Should Prevail 217 Notes 221 Bibliography 247 Index 271 ix |
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| contents | Overview -- Retirement: How are we doing? -- Retirement and economic growth -- Entitlements: The cornerstone of retirement -- Working longer -- Why is saving so hard? -- Transitioning to retirement in a changing labor market -- How annuities can mitigate uncertainty and improve -- How are families planning for end-of-life care? -- Reverse mortgages -- How to improve retirement accounts -- Improving opportunities for older workers -- Reforming private insurance markets -- A vision for a new retirement paradigm |
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| spelling | Baily, Martin Neil 1945- Verfasser (DE-588)131732501 aut The retirement challenge what's wrong with America's system and a sensible way to fix it Martin Neil Baily, Benjamin H. Harris New York, NY Oxford University Press [2023] © 2023 xviii, 280 Seiten Illustrationen 25 cm txt rdacontent n rdamedia nc rdacarrier Overview -- Retirement: How are we doing? -- Retirement and economic growth -- Entitlements: The cornerstone of retirement -- Working longer -- Why is saving so hard? -- Transitioning to retirement in a changing labor market -- How annuities can mitigate uncertainty and improve -- How are families planning for end-of-life care? -- Reverse mortgages -- How to improve retirement accounts -- Improving opportunities for older workers -- Reforming private insurance markets -- A vision for a new retirement paradigm "We need a new retirement paradigm as private pensions disappear. Families must take more responsibility for their retirement by saving consistently, working long enough to accumulate enough savings, and spending their savings at an appropriate rate in retirement. Families cannot build a secure retirement by themselves, however; they need help from government and employers. This book discusses the strengths and weaknesses of our current retirement system and suggests feasible, sensible reforms to make it much better"-- Rentenversicherung (DE-588)4049507-3 gnd rswk-swf Rentenpolitik (DE-588)4212490-6 gnd rswk-swf USA (DE-588)4078704-7 gnd rswk-swf Retirement / United States Retirement / United States / Planning Retirement / Government policy Retirement Retirement / Planning United States USA (DE-588)4078704-7 g Rentenversicherung (DE-588)4049507-3 s Rentenpolitik (DE-588)4212490-6 s DE-604 Harris, Benjamin H. Verfasser (DE-588)1233621629 aut Digitalisierung UB Bamberg - ADAM Catalogue Enrichment application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=034083950&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Baily, Martin Neil 1945- Harris, Benjamin H. The retirement challenge what's wrong with America's system and a sensible way to fix it Overview -- Retirement: How are we doing? -- Retirement and economic growth -- Entitlements: The cornerstone of retirement -- Working longer -- Why is saving so hard? -- Transitioning to retirement in a changing labor market -- How annuities can mitigate uncertainty and improve -- How are families planning for end-of-life care? -- Reverse mortgages -- How to improve retirement accounts -- Improving opportunities for older workers -- Reforming private insurance markets -- A vision for a new retirement paradigm Rentenversicherung (DE-588)4049507-3 gnd Rentenpolitik (DE-588)4212490-6 gnd |
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| title | The retirement challenge what's wrong with America's system and a sensible way to fix it |
| title_auth | The retirement challenge what's wrong with America's system and a sensible way to fix it |
| title_exact_search | The retirement challenge what's wrong with America's system and a sensible way to fix it |
| title_exact_search_txtP | The retirement challenge what's wrong with America's system and a sensible way to fix it |
| title_full | The retirement challenge what's wrong with America's system and a sensible way to fix it Martin Neil Baily, Benjamin H. Harris |
| title_fullStr | The retirement challenge what's wrong with America's system and a sensible way to fix it Martin Neil Baily, Benjamin H. Harris |
| title_full_unstemmed | The retirement challenge what's wrong with America's system and a sensible way to fix it Martin Neil Baily, Benjamin H. Harris |
| title_short | The retirement challenge |
| title_sort | the retirement challenge what s wrong with america s system and a sensible way to fix it |
| title_sub | what's wrong with America's system and a sensible way to fix it |
| topic | Rentenversicherung (DE-588)4049507-3 gnd Rentenpolitik (DE-588)4212490-6 gnd |
| topic_facet | Rentenversicherung Rentenpolitik USA |
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