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Innovations in Retirement Financing (Pension Research Council Publications),Used
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Only half of working Americans admit they have thought about saving for retirement, and many of those who do try to save don't know whether they are setting aside enough. How, then, can employees, their employers, and the public sector boost oldage financial security? The contributors to this volumeeconomists, financial advisers, and housing and benefits specialistsargue that a strong retirement income system requires attention not only to assets conventionally dedicated to retirement purposes, such as pensions, but also to the broader determinants of retiree wealth including housing, health, longevity, and intellectual capital.This book proposes fresh approaches, including cashbalance pension plans, reverseannuity mortgages, inflationindexed bonds, and longterm care insurance. A framework chapter sets the stage by examining what retirement planning can be expected to accomplish and how planning reduces risks by hedging, insuring, and diversifying.
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