Pensionering
1 743 produkter
1 743 produkter
259 kr
Skickas
Om Det nya livet som pensionärAtt gå i pension är en av livets största omställningar. Vissa ser fram emot friheten, andra fylls av oro. Vad ska jag använda all tid till? Vem är jag viktig för nu? Hur hittar jag mening?
Psykologen Åsa Kruse, själv pensionär, beskriver hur man kan hantera övergången från arbete till pension. Du får kartlägga vad jobbet har betytt, och vad livskvalitet innebär för dig i dag. Vad vill du ha mer av i ditt liv – och mindre? Det nya livet som pensionär tar också upp hur man påverkas av om pensionen sker frivilligt eller inte, och om man går i pension vid olika tidpunkter i en relation. Du får även veta hur du kan ge dagarna struktur, hur du kan förhålla dig till förändringar i kroppen och hälsan, samt skapa ett socialt sammanhang som du trivs i. Vanliga funderingar kring existentiella frågor och åldrande i ett fortsatt pensionärsliv berörs också.
”En stor del av mitt yrkesliv har jag arbetat som psykolog inom företagshälsovården. Under åren har jag träffat många 60-plussare som har oroat sig för arbetslivets avslut och att en pensionering närmar sig. När jag själv blev pensionär för några år sedan bestämde jag mig för att sätta ihop en kurs för blivande och nyblivna pensionärer, som stöd i omställningen och för att deltagarna skulle få träffa andra i samma situation. Den här boken är en vidareutveckling av den kursen.”Åsa Kruse
Sagt om boken:”Åsa Kruse har skrivit en varm och praktiskt förankrad bok om att bli pensionär. Det nya livet som pensionär lämpar sig lika väl för blivande pensionärer som för dem som redan tagit steget – och för anhöriga som vill förstå processen.”Håkan Stenow, BTJ-häftet nr 3, 2026
Simple Path to Wealth
Your Road Map to Financial Independence and a Rich, Free Life
Inbunden, Engelska, 2025
256 kr
Revised and Expanded Edition. Instant New York Times Bestseller. Seen on "Hasan Minhaj Doesn't Know" and "The Diary of a CEO." The Proven Guide from the Godfather of Financial Independence—now comprehensively updated and expanded. New edition includes: updated data, FAQ, a Simple Path to Wealth Punchlist, Resources & Tools. “Beautifully written, a simple book that will have a profound impact on your life.” —Morgan Housel, author of The New York Times bestseller The Psychology of MoneyWhat if the path to wealth isn't about timing the market or picking hot stocks, or even about paying someone else to do it for you? What if it’s actually about following a radically simple plan that’s not only easier to implement, but also more lucrative than the alternatives? Drawing from fifty years of investing experience, and born out of a series of letters the author wrote to his daughter, The Simple Path to Wealth has become foundational to the FIRE (Financial Independence, Retire Early) movement, inspiring hundreds of thousands of readers to reimagine their relationship with money and freedom. The real-world success of Collins' approach is documented in Pathfinders, his collection of stories from readers who have transformed their financial lives using his method. Whether you care deeply about money, or never want to think about it at all, you’re living in a culture of spending. Everyone’s telling you that handing over your cash for this gadget, this potion, this lifestyle is the key to happiness. Meanwhile, the reality is that happiness is more likely to come from having the financial freedom to live the life you really want. Whatever your relationship with money, you will be heartened by Collins’ essential insight, which is that simplicity beats complexity every time. This comprehensive guide covers everything from debt elimination to optimizing retirement accounts, all while exposing the marketing myths and investment industry practices that keep most people from building real wealth. Collins shares specific, actionable strategies for both wealth-building and wealth-preservation phases, with a straightforward approach to asset allocation that anyone can implement. Collins' direct, often irreverent style makes complex financial concepts crystal clear, giving readers the tools and confidence to take control of their financial future. More than just another investment book, The Simple Path to Wealth is a blueprint for financial independence – showing readers how to break free from the financial industry’s traps and live life on their own terms.
- Nyhet
199 kr
Skickas
Hjälp! Jag har blivit pensionär. Över en natt försvann titel, kollegor, rutiner och sammanhang. Kvar står jag, i en ny och obekant tillvaro, utan karta och kompass. Jag är samma människa idag som igår, med samma drivkrafter och behov. Men vad vill jag nu, när jag för första gången i livet äger min tid?
Kodnamn Pensionär är en varm och klok följeslagare för dig som just blivit pensionär eller närmar dig den nya fasen. Tretton livsberättelser, personliga reflektioner och trygga svar på svåra frågor hjälper dig att forma nästa kapitel i livet med nyfikenhet, mod och mening.
BTJ ger omdömet "Mycket bra".
"[...] Kodnamn Pensionär. Så börjar du om efter arbetslivet vänder sig till läsare för vilka pensioneringen närmar sig och som har tankar och funderingar kring övergången till ett liv som pensionär.[...] Läsaren får ta del av personliga erfarenheter av livsförändringen, både det lätta och det svåra, och hur man på olika sätt kunnat utvecklas och gå vidare i positiv riktning efter omställningen.[...] Boken är genomtänkt och välskriven, och kan användas som inspirationskälla, hur andra handskas med den här stora livsomställningen. Kan rekommenderas![...]"
Lektör Agneta Wirberg, BTJ-häfte nr 10, 2026.
213 kr
Skickas inom 7-10 vardagar
In a time of rampant misinformation about ways of growing your money, Burton G. Malkiel’s gimmick-free investment guide is more necessary than ever. Whether you’re considering making your first investment or contemplating retirement, the fully updated, fiftieth anniversary edition of A Random Walk Down Wall Street remains the best investment guide money can buy.Drawing on his experience as an economist, financial adviser and successful investor, Malkiel shows why an individual who saves consistently over time and buys a diversified set of index funds can achieve above-average investment results. He addresses current investment fads and critically analyses cryptocurrencies, NFTs and meme stocks. Malkiel reveals how to be a tax smart investor and how to make sense of recently popular investment management techniques, including factor investing, risk parity and ESG portfolios. Investors of every age, experience level and risk tolerance will find the step-by-step guidance they need to protect and grow their money.
Äntligen pensionär! : en bok full av lysande och roliga citat
Inbunden, Svenska, 2025
85 kr
Det finns en sak jag alltid velat göra innan jag säger upp mig ... Gå i pension! Groucho Marx
Det här är en perfekt liten presentbok till den blivande eller nyblivna pensionären! Eller passionären, kanske? Fylld med roliga och underfundiga citat hyllar den här boken det nya livet fri från arbetslivets plikter.
Vad gör egentligen trädgårdsmästare när de går i pension? Bob Monkhouse
121 kr
Skickas
Planera Pensionsuttagen Rätt! är kartboken för dig som planerar att gå i pension. Boken hjälper dig att förstå de faktorer som påverkar utbetalningen av pensionen och hur de inverkar på varandra. Med kunskap kan du göra kloka val. Genom att planera rätt får du mer pengar i plånboken. Boken ger dig praktisk kunskap så att du kan planera hur du vill att din pension skall betalas ut. Ett antal exempel i boken beskriver hur olika personer planerat sin ekonomi, beroende på deras situation och utgångsläge. Bra exempel som hjälper dig att hitta en personlig lösning. Genom att svara på ett antal frågor får du nyckeln till hur du själv kan agera. Du kan använda bilagan i slutet av boken för att få en helhetsbild av just din situation så att du lättare kan fatta kloka beslut. Planera Pensionsuttagen Rätt! är boken som hjälper dig att leva ett rikare liv som pensionär. Läsarkommentarer från första utgåvan: Tack! Utan hjälp med planeringen hade jag fått betydligt mindre att leva av. Jag fick 500 kr mer i månaden. Lönsam läsning! Äntligen förstår jag! Författaren Nils Bacos blev med första utgåvan nominerad till Statens pensionsverks pris Guldkanten 2012 med motiveringen: Den tidigare pensionsrådgivaren Nils Bacos har med sin gedigna kunskap författat och förlagt en utmärkt handbok i konsten att navigera rätt på en snårig marknad för pensioner. Boken Maximera din pension är allmänbildande, djup och ger den intresserade all nödvändig information i konsten att maximera sin framtida pension.Nils Bacos är ekonom med 30 års erfarenhet av pensionsrådgivning för privatpersoner såväl som för företag. Han arbetar idag som fristående konsult i pensions- och försäkringsfrågor. Nils Bacos har också skrivit boken Bli inte blåst på Pensionen! som handlar om hur man sparar till sin pension.
179 kr
Skickas
'A long-overdue manifesto for the mobile lifestyle, and Tim Ferriss is the ideal ambassador' Jack Canfield, co-creator Chicken Soup for the SoulThe international bestseller on escaping the 9-5 and finding a new way of livingForget the old concept of retirement and the rest of the deferred-life plan - there is no need to wait and every reason not to, especially in unpredictable economic times. Whether your dream is escaping the rat race, experiencing high-end world travel, earning a monthly five-figure income with zero management, or just living more and working less, this book is the blueprint.This step-by-step guide to living the life you want reveals:* How Tim went from $40,000 dollars per year and 80 hours per week to $40,000 per MONTH and 4 hours per week* How to outsource your life and do whatever you want* How to eliminate 50% of your work in 48 hours* How to trade a long-haul career for short work bursts and frequent 'mini-retirements'This edition also includes:* More than 50 practical tips and case studies from readers who have doubled their income, overcome common sticking points and reinvented themselves using the original book as a starting point* Real-world templates you can copy for eliminating email and negotiating with bosses and clients* How lifestyle design principles can be used to live ambitiously in unpredictable economic times* The latest tools and tricks, as well as high-tech shortcuts, for living like a diplomat or millionaire without being either.
229 kr
Skickas
Aldrig tidigare har människors uppfattning om vad en pensionär är haft sämre överensstämmelse med verklighetens bild av pensionärer. Inte konstigt då att många tvekar att kalla sig pensionär, bävar för att bli pensionärer och gärna skjuter upp allt som har med pension att göra, vare sig det handlar om orange kuvert eller framtida livsstiMen sanningen är att vi aldrig tidigare haft så många möjligheter att göra något verkligt bra av den återstående tredjedelen av livet. Nu är inte tid att skjuta på framtiden det som är verkligt viktigt. All tid finns för det meningsfulla men ingen tid alls för det som inte är det. Genom att reflektera över vad som är viktigt och meningsfullt och sedan planera sin pensionärstillvaro, öppnas möjligheter till ett innehållsrikt liv med engagemang och glädje som räcker livet ut.I den här boken ställs de viktiga frågorna som du behöver hitta dina egna svar på, helst redan innan du gått i pension. Här varvas forskares syn på den tredje åldern med intervjuer av aktiva pensionärer, tankar och tips. Du kan läsa boken enbart som en inspiration eller ta hjälp av den när du vill göra din egen planering inför kommande pensionärstillvaro.Gunilla Orrebrink är naturvetare och lärare. Hon har under många år arbetat inom läkemedelsindustrin i olika befattningar. Idag arbetar hon med individ- och grupputveckling och som utbildare i eget företag. Hon har tidigare skrivit boken ”Mötesbok för ledare” tillsammans med Eva C Johansson.
121 kr
Skickas
Vad ska man tänka på när man köper livförsäkring, sjukförsäkring och olycksfallsförsäkring? Skiljer sig de olika försäkringsbolagens prissättning? Ja, det kan skilja upp till 150 000 kr för samma försäkring. Vad ska du tänka på innan du bestämmer dig? Boken hjälper dig att fatta rätt beslut. Alla talar sig varma för att man ska flytta sitt pensionssparande till just deras bank men var finns fallgroparna? Vad ska man tänka på innan man flyttar sitt kapital? Ett felaktigt val kan bli dyrt. Vi måste ta mer ansvar för vårt pensionssparande. Rätt eller fel att pensionsspara?Är du 20, 40 eller 60? Anställd eller företagare? Vi ställs alla inför olika val som vi egentligen inte förstår konsekvenserna av. Hur många vet att pensionssparande kan leda till att man får lägre allmän pension. När är det rätt att pensionsspara? Vilka är alternativen? Vilka krav kan man ställa när man förhandlar om ett anställningsavtal? Aktieutdelning, pension eller lön - hur gör man bäst om man är egen företagare?Att betala så lite skatt som möjligt kan visa sig vara en förlustaffär!Hur ska du lägga ditt ekonomiska pussel? Lön eller pensionspremie, skatt, föräldrapeng ... ? Hur hänger det egentligen ihop? Och vad kan man göra för att styra sitt eget sparande?Nils Bacos guidar dig till kloka val. Han tänker ett steg längre och visar hur viktigt det är att ha helhetsperspektiv på sin ekonomi och sitt långsiktiga sparande.Läsarkommentarer från författarens tidigare bok:"Tack! Boken hjälpte mig att få struktur på mitt sparande.""Som företagare trodde jag att det var bäst att företaget betalade mina pensioner men oj vad jag bedrog mig!""Den här boken hjälpte mig när jag skulle förhandla mitt anställningsavtal."
210 kr
Skickas
From TikTok star and Your (favourite) Rich BFF Vivian Tu, the definitive book on personal finance for a new generation Building on the lessons she learned on Wall Street about money and the markets, Vivian Tu now offers her best personal finance tips and tricks to readers of all ages and demographics, so that anyone can get rich, whether you grew up knowing the rules to the game or not. · Vivian will be your mentor, dispensing fresh, no-BS advice on how to think like a rich person and create smart money habits, breaking down her best recommendations to help you:· Maximize your earnings to get more out of your 9-to-5· Understand the differences between savings accounts, and where you should keep your money· Identify the tax strategies and (legal) loopholes you need to retire in style· Overcome investing fears to secure wealth for generations And much more! Rich AF will equip readers with the tools and knowledge to not only understand the financial landscape, but to build a financial strategy of their own. PRAISE FOR RICH AF “I wish this book existed when I was coming up and making money for the first time, because Vivian shows us how to make our finances WORK for us!” Bretman Rock, social media phenomenon and bestselling author “smart, funny, and forthright. She imparts valuable lessons and breaks down complicated financial concepts in a way that will keep you chuckling as you read.” Lisa Ling, award-winning journalist and CBS News reporter “Rich AF proves that finance is for everyone! Vivian will show you that no matter who you are, it’s never too late to pull up your seat at the table.” Karamo Brown, author, actor, and Queer Eye culture expert “This is an excellent roadmap for those who want to learn how to make the most of their money.” Alexa von Tobel, CFP®, author of Financially Forward and founder of Inspired Capital
- Nyhet
184 kr
Skickas inom 7-10 vardagar
THE INSTANT SUNDAY TIMES BESTSELLER'The Wealth Habit shows how small, well-designed behaviours, repeated consistently, create extraordinary financial outcomes over time.' - Steven Bartlett, The Diary of a CEOWealth doesn't start with money, it starts with a habit.Most people think that wealth is reserved for the lucky few-those born into privilege, gifted with an entrepreneurial streak, or naturally skilled with money. But the truth is, financial success isn't about luck-it's about habits.The Wealth Habit is a groundbreaking, behaviour-driven approach to wealth-building that rewires the way you think about money, turning financial success into a series of tiny, effortless, repeatable actions. Instead of overwhelming readers with rigid budgets or complex investment strategies, this book reveals how small, daily financial moves compound into life-changing wealth - no matter where you start.Whether you're struggling with money, looking to break free from the paycheck-to-paycheck cycle, or searching for a stress-free, automated way to build wealth, this book gives you a clear, habit-based roadmap to make financial success inevitable.Start small. Repeat often. Let the habit lead the way.
168 kr
Skickas inom 5-8 vardagar
One of the best lock forwards in the history of English and Lions’ game, and a successful captain to boot. Bill Beaumont’s popularity on the field and his appearances on A Question of Sport have made him a household name. This is the light-hearted and amusing life story of a larger-than-life character.A serious head injury forced Bill Beaumont to retire from rugby prematurely at the age of 29, after leading his country 21 times in 34 appearances – including a memorable Grand Slam in 1980 – and captaining the Lions to South Africa in 1980.Since then he has been honoured with an OBE and turned effortlessly to a career in broadcasting as a BBC and Sky Sports summariser and, more famously, as captain on the sports quiz show A Question of Sport.He is also a brilliant after-dinner speaker, and recently became chairman of the RFU's National Playing Committee.Beaumont reflects back on a wonderful career, reliving the dramatic events on the field as well as the off-the-field scrapes and humorous escapades that characterised the game in its amateur era. And now as an elder statesman, he is perfectly positioned to talk knowledgeably about the game he so loves, and will comment on the 2003 Rugby World Cup and England’s performance in particular.
145 kr
Skickas inom 5-8 vardagar
180 kr
Skickas inom 5-8 vardagar
Protecting Your Parents' Money: The Essential Guide to Helping Mom and D ad Navigate the Finances of Retirement
The Essential Guide to Helping Mom and D ad Navigate the Finances of Retirement
Häftad, Engelska, 2011
180 kr
Skickas inom 5-8 vardagar
From the day we receive our first piggybank to the day we can financially make it on our own, our parents play a fundamental role in our financial lives. One of the most poignant stages in life comes when you must assume the role of the parent to your parents. It can be a frenetic stage, in which you struggle to understand the finances specific to aging parents-often in the face of an emergency. "Protecting Your Parents' Money" is the essential guide to helping you navigate this confusing and difficult transition, and provide a game plan for tackling complex like estate planning, Medicare planning, and nursing homes. Most importantly, it will help bridge the communication barrier between parents and adult children that can make the process so much more difficult than it needs to be. Among the topics covered include Personal Finance 101: The Senior Years: The essential definitions and workings of the myriad investment options and financial requirements your parents will deal with in retirement. The Talk: The one, all-encompassing discussion every child needs to have with every parent at some point. The Move: The hunt for a quality home. How do you research nursing homes?What should you be looking for? And how do you compare costs and how are your parents assets factored into the mix? Understanding Medicare. Elder Fraud: How to look for tell-tale signs that your parents have been victimized. At a time when the nation prepares for the pending retirement of the massive Baby Boomer generation, this book will provide the comprehensive map you will need to navigate the breadth of financial issues, while treating seniors with dignity and compassion they deserve.
191 kr
Skickas inom 5-8 vardagar
323 kr
Skickas inom 3-6 vardagar
*Axiom Book Awards gold medal winner for Best Book on Retirement Planning and named Best Future Planning Book by theSkimm*From Anne Lester—former head of retirement solutions for JPMorgan Asset Management and award-winning investor—a wildly simple, step-by-step blueprint for financial independence that anyone can use to understand retirement savings and investing for the future you deserve.Get no-nonsense info on why you suck at saving (and why it isn’t your fault), how to build an emergency fund and retirement account (yes, it’s possible to do both!), and diversifying your investments so your future is secure no matter what life throws at you. You’ll have everything you need to lay the groundwork for Your Best Financial Life!Saving for the future can seem anywhere from daunting to downright impossible—especially for Millennials and Gen Zers, who’ve had to contend with economic setbacks, recessions, and layoffs since graduating college. But everyone—yes, even YOU—can find a way to save for your future, and Your Best Financial Life can show you exactly how.Here, you’ll find actionable steps to demystify the retirement tools at your disposal, an easy-to-use roadmap to ensure you’ve saved enough by retirement age, and help with debt management by identifying and eliminating wasteful spending in favor of stashing your money where it really counts. You’ll learn how to turn $100 into $1,000 and leverage every single cent you earn to your advantage.Drawing on decades of investment experience and the latest research, you will:Better understand your spending habits and learn where you can improve themDiscover strategies for paying off student loans or other debts, all while saving for the most expensive parts of life—a wedding, a family, and emergencies (and don’t worry, you’ll have enough left over to have a social life, too!)Learn to make 401(k)s, IRAs, and other retirement tools work for you and the goals you’ve set for yourself
373 kr
Skickas inom 3-6 vardagar
Create a new life plan to thrive in your retirement
"In Your Retirement, Your Way, Alan and John lead the way to a new and dynamic definition of retirement. They begin with this exciting premise: the more you clearly identify your own personal style, the more you will experience a powerful and fulfilling next chapter in your life. With the variety of guides and road maps they provide, including a sample version of the Birkman® (a mini-Birkman®), readers can navigate their way to a more confident phase of life that offers both purpose and renewal."--Dr. Roger W. Birkman, Chairman, Birkman International, Inc.
After years of focusing on career and family, most of us embark on the next phase of life with only a vague idea of what will make us happy. But you can guarantee yourself a long and successful retirement with Your Retirement, Your Way!
Its revolutionary retirement planning approach combines a powerful self-assessment system based on the Birkman Method®--a personality assessment system used by companies and government agencies worldwide--with sophisticated financial planning tools and step-by-step guidelines that allow you to:
Define your ideal retirement environmentDetermine where you are now, financially, and where you want to beMap out a solid plan for realizing your dreams in the shortest time possible
How to Retire Happy, Fourth Edition: The 12 Most Important Decisions You Must Make Before You Retire
Häftad, Engelska, 2013
196 kr
Skickas inom 3-6 vardagar
The Washington Post and New York Times Business Bestseller
“Everyone in the workforce today should read this book!”—HORACE B. DEETS, FORMER EXECUTIVE DIRECTOR, AARP
“Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book.”—STEVE VERNON, COLUMNIST
“Provides the most important information you’ll need before and during your retirement.”—MICHELLE SINGLETARY, THE WASHINGTON POST
Award-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy, Fourth Edition, helps you make the right decisions to ensure a happy, healthful retirement. It delivers all the expert advice you need in an easy-to-understand step-by-step style. How to Retire Happy includes everything that has made previous editions the go-to guides for retirees and near-retirees, plus:
Brand-new material on health insurance and the prescription drug plan The facts about Medicare Part A (hospital), Part B (tests, doctors, preventive care), and Part D (prescription drugs)The author’s personal experiences with the realities of long-term Alzheimer’s careFully updated material on Social Security strategies How to handle the financial realities of the post-meltdown economyNew resources you can turn to for extra advice
While America Aged: How Pension Debts Ruined General Motors, Stopped the NYC Subways, Bankrupted San Diego, and Loom as the Next Financial Crisis
Häftad, Engelska, 2009
324 kr
Skickas inom 3-6 vardagar
410 kr
Skickas inom 5-8 vardagar
The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their pre-retirement standard of living. It can be difficult for workers to make informed decisions about their retirements now based on the abundance of confusing and sometimes misleading information put forth by the media and other individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this highly-accessible guide for individuals wondering what to expect when they reach retirement age and what they can be doing now to best prepare for their future. Falling Short is grounded in academic research yet written in an accessible style for anyone concerned about their future retirement. The authors provide both a vivid picture of the retirement risks facing all Americans and a short list of practical solutions that build on our existing retirement system. The book offers the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs---due to longer lifespans and rising health costs---and decreasing support from Social Security and employer-sponsored pension plans. The authors give specific advice for what Americans must do now to avoid crisis in retirement; namely, people must work longer and save more. Individuals should plan to stay in the labor force until age 70 and keep their skills up-to-date, and the government should emphasize that retiring at 70 provides the largest monthly Social Security check. Social Security's long-term finances must be shored up so that it remains the foundation of the retirement system. All employers with a 401(k) plan should be required to automatically enroll their workers, increase worker contribution rates over time, and use low-cost index funds as a default investment option. A separate solution is needed for the half of the workforce that lacks even 401(k) coverage; all uncovered workers need an easy and automatic retirement saving option. Finally, individuals should not ignore what is often their largest asset---their house---as a potential source of support for retirement; home equity can be tapped through downsizing or a reverse mortgage. Acting on these solutions now will greatly improve the prospects of a secure retirement for today's workers.
Managing Pension and Retirement Plans
A Guide for Employers, Administrators, and Other Fiduciaries
Inbunden, Engelska, 2004
3 156 kr
Skickas inom 5-8 vardagar
The purpose of Pension & Retirement Plan Management: A Guide for Managers and Other Fiduciaries is to provide reliable guidance for regulatory compliance, advice on managerial strategies, and some clarity on the underlying economics and finance of pension and retirement plans. It is designed to improve the financial and managerial decision-making of a broad range of people in occupations involved even tangentially in the management of pension and retirement plans. The book is designed to serve as a key resource for students of the subject and for the people who manage these plans on a day-to-day basis. These include, for example, trustees, executives, boards of directors, HR directors/trainers, and consultants. Secondary markets include CFOs, corporate tax advisors, accountants, and attorneys. This book will thus assume some familiarity with finance and accounting - but on a practitioner level (not an academic level). The book will also include a glossary/index, and a Literature Review Appendix.
462 kr
Skickas inom 5-8 vardagar
This is an abridgement of Barr and Diamond's 'Reforming Pensions: Principles and Policy Choices' (OUP, 2008), a larger book that is intended for policy makers and as a supplement in college courses. The problem. Mandatory pension systems are a worldwide phenomenon. However, with given contribution rates, monthly benefits and retirement ages, pension systems are not consistent with three long-run trends - declining mortality, declining fertility, and earlier retirement. Thus many systems need reform. Principles. This book gives an extensive but nontechnical explanation of the economics of pension design. The theoretical arguments have three elements.1. Pension systems have multiple objectives - consumption smoothing, insurance, poverty relief, and redistribution. Good policy needs to bear them all in mind. 2. Good analysis should be framed in a second-best context - simple economic models are a bad guide to policy design in a world with imperfect information and decision-making, incomplete markets and taxation. 3. Any choice of pension system has distributional consequences, which the book recognizes explicitly. The analysis includes discussion of labor markets, capital markets, risk sharing and gender and family, with comparison of PAYG and funded systems, recognizing that the suitable level of funding differs by country. Alongside the economic principles of good design, policy must also take account of a country's capacity to implement the system. Thus the theoretical analysis is complemented by discussion of implementation, and of experiences, both good and bad, in many countries, with particular attention to China and Chile. Policy conclusions: 1. Sound application of the principles outlined above can and does lead to widely different systems in different country settings.2. Unless there are transfers from outside the system, any improvement to the finances of a pension system must involve one or more of (a) higher contribution rates, (b) lower monthly pensions, (c) later retirement at the same monthly pension, (d) policies designed to increase national output. 3.The previous statement holds whatever the degree of funding. If a public pension is regarded as unsustainable the problem needs to be addressed directly by one of these methods.
1 325 kr
Skickas inom 5-8 vardagar
In the wake of the worst financial crisis since the Great Depression, lawmakers and regulators around the world have changed the playbook for how banks and other financial institutions must manage their risks and report their activities. The US Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the European System of Financial Supervision (ESFS) is also crafting a framework to supervise regulated financial sector institutions including banks, insurers, pension funds, and asset managers. The implosion of the financial sector has also prompted calls for accounting changes from those seeking to better understand how assets and liabilities are reported. Initially banks were seen by many as the most important focus for regulatory reform, but other institutions are now attracting policymaker attention. There is logic to this in terms of managing systemic risk and ensuring a level playing field that avoids arbitrage between institutional structures. Yet the nature of pension and insurer liabilities is so different from that of bank liabilities that careful attention is needed in drafting appropriate rules. The new rules are having both direct and spill-over effects on retirement systems around the world. The first half of this volume undertakes an assessment of how global responses to the financial crisis are potentially altering how insurers, pension plan sponsors, and policymakers will manage risk in the decades to come. The second half evaluates developments in retirement saving and retirement products, to determine which and how these might help meet shortfalls in retirement provision.
1 728 kr
Skickas inom 3-6 vardagar
As the world's population lives longer, it will become increasingly important for plan sponsors, retirement advisors, regulators, and financial firms to focus closely on how older persons fare in the face of rising difficulties with cognition and financial management. This book offers state-of-the-art research and recommendations on how to evaluate when older persons need financial advice, help them make better financial decisions, and to identify policy options for handling these individual and social challenges efficiently and fairly. This latest volume in the Pension Research Council series, draws lessons from theory and practice, and will be of interest to employees and retirees, consumers and researchers, and financial institutions working to design better retirement plan offerings.
1 792 kr
Skickas inom 5-8 vardagar
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.
2 149 kr
Skickas inom 5-8 vardagar
Since the 1970s early exit from work has become a major challenge in modern welfare states. Governments, employers, and unions alike once thought of early retirement as a peaceful solution to the economic problems of mass unemployment and industrial restructuring. Today governments and international organizations advocate the postponement of retirement and an increase in activity among older workers. Comparing the USA, eight European countries, and Japan, this book demonstrates significant cross-national differences in early retirement across countries and over time. The study evaluates the impact of major variations in welfare regimes, production systems, and labor relations. It stresses the importance of the 'pull factor' of extensive welfare state provisions, particularly in Continental Europe; the 'push factor' of labor shedding strategies by firms, particularly in Anglo-American market economies; and the role of employers and worker representatives in negotiating retirement policies, particularly in coordinated market economies. Over the last three decades, early retirement has become a popular social policy and employment practice in the workplace, adding to the fiscal crises and employment problems of today's welfare states. Attempts to reverse early retirement policies have led to major reform debates. Unilateral government policies to cut back on social benefits have not had the expected employment results due to resistance from employers, workers, and their organizations. Successful reforms require the cooperation of both sides. This study provides comprehensive empirical analysis and a balanced approach to studying both the pull and the push factors affecting early exit from work needed to understand the development of early retirement regimes.
471 kr
Skickas inom 7-10 vardagar
Since the 1970s early exit from work has become a major challenge in modern welfare states. Governments, employers, and unions alike once thought of early retirement as a peaceful solution to the economic problems of mass unemployment and industrial restructuring. Today governments and international organizations advocate the postponement of retirement and an increase in activity among older workers. Comparing the USA, eight European countries, and Japan, this book demonstrates significant cross-national differences in early retirement across countries and over time. The study evaluates the impact of major variations in welfare regimes, production systems, and labor relations. It stresses the importance of the 'pull factor' of extensive welfare state provisions, particularly in Continental Europe; the 'push factor' of labor shedding strategies by firms, particularly in Anglo-American market economies; and the role of employers and worker representatives in negotiating retirement policies, particularly in coordinated market economies. Over the last three decades, early retirement has become a popular social policy and employment practice in the workplace, adding to the fiscal crises and employment problems of today's welfare states. Attempts to reverse early retirement policies have led to major reform debates. Unilateral government policies to cut back on social benefits have not had the expected employment results due to resistance from employers, workers, and their organizations. Successful reforms require the cooperation of both sides. This study provides comprehensive empirical analysis and a balanced approach to studying both the pull and the push factors affecting early exit from work needed to understand the development of early retirement regimes.
1 152 kr
Skickas inom 5-8 vardagar
Retirement risk management must be dramatically overhauled if workers and retirees are to better prepare themselves to meet future retirement challenges. Recent economic events including the global financial crisis have upended expectations about what pension and endowment fund managers can do. Employers and employees have found it difficult to make pension contributions, despite drops in retirement plan funding. In many countries, government social security systems are also facing insolvency. These factors, coupled with an aging population and rising longevity, are giving rise to serious questions about the future of retirement in America and around the world. This volume explores how workers and firms can reassess the risks associated with retirement saving and dissaving, to identify creative adjustments to adapt to these new risks and realities. One area explored is the key role for financial literacy and education programs. In addition, those acting as plan sponsors and fiduciaries must reconsider pension design to help them better address the new realities. Also novel financial products are described that can help with the design of retirement plans. Experts provide new research and offer policy recommendations, illustrating how retirement plans can be amended to better meet the retirement needs of workers and firms. This volume is an important addition to the Pensions Research Council / Oxford Univeristy Press series and to the current debate on retirement security.
1 576 kr
Skickas inom 5-8 vardagar
The market for retirement financial advice has never been more important and yet more in flux. The long-term shift away from traditional defined benefit pensions toward defined contribution personal accounts requires all of us to be more sophisticated today than ever before. However, the landscape for financial advice is changing all over the world, with new rules and regulations transforming the financial advice profession. This volume explores the market for retirement financial advice, to explain what financial advisors do and how to measure performance and impact. Who are these professionals and what standards must they abide by? How do they make money and what are their incentives? How can one protect clients from bad advice, and what is good advice? Does advice alone effect changes in personal habits? Answering these questions, along with new technology that will decrease the delivery costs of advice, will play a transformative role in helping more households receive the quality financial advice that they need. Accordingly, this volume illuminates the market and regulatory challenges so as to enhance consumer, plan sponsor, and regulator decisions.