Smartest 401(k) Book You’ll Ever Read: Maximize Your Retirement Savings…the Smart Way!
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17Jan
January 2017
17Jan
Stop the Retirement Rip-off: How to Avoid Hidden Fees and Keep More of Your Money
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17Jan
The Retirement Savings Time Bomb . . . and How to Defuse It
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17Jan
101 Things to Do with Your Retired Man
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17Jan
101 Fun Things to do in Retirement: An Irreverent, Outrageous & Funny Guide to Life After Work
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17Jan
How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won’t Get from Your Financial Advisor
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12Jan
The Information Content of Corporate Pension Funding Status in Japan
By Shingo Goto & Noriyoshi Yanase - This paper tests if a firm's pension funding ratio (pension assets/PBO) reveals the management's private information about the firm's operation when the firm can exercise discretion in pension funding. The lax enforcement of pension funding rules and the prevalence of management forecasts make Japanese firms an ideal testing ground. We show that, among firms with large business uncertainty, large accruals, or high effective tax rates, the pension funding ratio predicts the firm's management forecast...
12Jan
Trusts No More: Rethinking the Regulation of Retirement Savings in the United States
By Natalya Shnitser - The regulation of private and public pension plans in the United States begins with the premise that employer-sponsored plans resemble traditional donative, or gift, trusts. Accordingly, the Employee Retirement Income Security Act of 1974 (ERISA) famously “imports” major principles of donative trust law for the regulation of private employer-sponsored pension plans. Statutes regulating state and local government pension plans likewise routinely invoke the structure and standards applicable to donative trusts. Judges, in turn, adjudicate by analogy...
12Jan
The Power of Social Pensions
By Wei Huang & Chuanchuan Zhang - This paper examines the impacts of social pension provision among people of different ages. Utilizing the county-by-county rollout of the New Rural Pension Scheme in rural China, we find that, among the age-eligible people, the scheme provision leads to higher household income (18 percent) and food expenditure (10 percent), lower labor supply (6 percent), and better health (11-14 percent). In addition, among the age-ineligible adults, the pension scheme shifts them from farming to...
12Jan
Why Do Women Invest Differently than Men?
By Vickie L. Bajtelsmit & Alexandra Bernasek - Several recent studies have found that women invest their pensions more conservatively than men (Bajtelsmit and VanDerhei, 1996; Hinz, McCarthy, and Turner, 1996) and that women are more risk averse (Jianakoplos and Bernasek, 1996). Although these findings have serious implications for the well-being of women in retirement, the reasons for observed gender differences are less well- defined. This paper surveys the existing literature regarding gender differences in investment and considers the policy implications...