Essays On Pensions And Saving In The Uk
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Essays On Pensions And Saving In The Uk
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Author : Anastasiya Oleksiyenko
language : en
Publisher:
Release Date : 2023
Essays On Pensions And Saving In The Uk written by Anastasiya Oleksiyenko and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023 with categories.
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Three Essays On The Economics Of Mandatory Private Retirement Saving
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Author : Hazel Bateman
language : en
Publisher:
Release Date : 1997
Three Essays On The Economics Of Mandatory Private Retirement Saving written by Hazel Bateman and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Pension trusts categories.
Essays In Public And Labour Economics
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Author : Jonathan Charles Cribb
language : en
Publisher:
Release Date : 2020
Essays In Public And Labour Economics written by Jonathan Charles Cribb and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
This thesis contains five papers in public and labour economics, exploring how individuals and families respond to, and are affected by, public policies that form key parts of the pension and tax and benefit systems. The first paper examines how women change their retirement behaviour in response to an increase in the age at which they can first draw a state pension (the "state pension age"Â ). Exploiting the policy-driven increase in employment that is studied in the first paper, the second paper examines the effect of women being in paid work in their early 60s on two measures of health: cognitive function and physical disability. The third paper examines how individuals saving for retirement can be affected by their employers automatically enrolling them in employer-provided pensions, as employers are now obliged to do in the UK. The fourth paper seeks to understand better how automatic enrolment drives higher pension saving by examining its effects on the employees of small employers. Finally, the final paper in this thesis examines how individuals are insured against the reduction in employment and earnings that results from entering the labour market during a recession.
Essays On Housing And Pensions
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Author : Thomas Müller
language : en
Publisher: Springer
Release Date : 2018-12-28
Essays On Housing And Pensions written by Thomas Müller and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-12-28 with Business & Economics categories.
Demographic trends put a burden on EU pension provision. As the sustainability of pension systems is addressed by current pension reforms, lower benefit levels are projected. In this scenario, households may want to consider supplementing their public pension income. As their own residence is on average their most valuable asset, its transformation to income can be one form of alleviating financial distress in old age. Thomas Müller presents research findings on the interdependency of housing and pension wealth as well as on whether and to what extent housing wealth is decumulated after retirement. The author emphasizes the consideration of housing wealth in pension policies to enable European households to employ its housing asset as an income source in old age. About the Author Thomas Müller wrote his dissertation at the Real Estate Management Institute (REMI) at the EBS Business School. His research was motivated by the effects of demographic changes on pension provision in the EU. He focused especially on the allocation and liquidation of private housing wealth as a public pension supplement.
The Macroeconomics Of Ageing Pensions And Savings
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Author : Richard Kohl
language : en
Publisher:
Release Date : 1998
The Macroeconomics Of Ageing Pensions And Savings written by Richard Kohl and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Aging categories.
Pensions Savings And Capital Flows From Ageing To Emerging Markets
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Author : Reisen Helmut
language : en
Publisher: OECD Publishing
Release Date : 2000-05-15
Pensions Savings And Capital Flows From Ageing To Emerging Markets written by Reisen Helmut and has been published by OECD Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000-05-15 with categories.
This books explores the international aspects of pension reform, private savings and volatile capital markets and clarifies how they relate to each other.
Essays On The Economics Of Selected Multi Period Insurance Decisions With Private Information
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Author : Petra Steinorth
language : en
Publisher: VVW GmbH
Release Date : 2011
Essays On The Economics Of Selected Multi Period Insurance Decisions With Private Information written by Petra Steinorth and has been published by VVW GmbH this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
"Petra Steinorth präsentiert in ihrer in englischer Sprache vorgelegten kumulativen Dissertationsschrift drei theoretische Modelle, die Versicherungsentscheidungen über mehrere Perioden und bei privater Information seitens der Versicherungsnehmer ökonomisch untersuchen. Die Dissertation leistet einen wichtigen Beitrag zur theoretischen Forschung im Bereich Versicherungsökonomie, da insbesondere zu mehrperiodigen Fragestellungen noch großer Forschungsbedarf besteht: Der Beitrag ""Impact of Health Savings Accounts on Precautionary Savings, Demand for Health Insurance and Prevention Effort"" untersucht den Einfluss von steuerlich begünstigten Gesundheitssparkonten auf das Sparverhalten, die Nachfrage nach Krankenversicherung und Prävention. Im zweiten Beitrag ""Yes, No, Perhaps - Explaining the Demand for Risk Classification Insurance with Imperfect Private Information"" wird untersucht, welche Granularität der Risikoklassifizierung optimal ist, wenn die Versicherungsnehmer unvollständige private Information über ihren zukünftigen Risikotyp haben. Der dritte Beitrag ""The Demand for Enhanced Annuities"" analysiert die Reaktion des Marktes auf die Einführung von sogenannten Enhanced Annuities. Dabei handelt es sich um Rentenversicherungsprodukte, die die individuelle Lebenserwartung bei der Tarifierung berücksichtigen. Die wissenschaftliche Arbeit ist auch für Mitarbeiter in Versicherungsunternehmen von Interesse, da sie wichtige Bereiche des Produktmanagements in der Lebens- und Krankenversicherung behandelt. Petra Steinorth ́s dissertation consists of three theoretical models, which all examine the economics of selected multi-period insurance decisions with private information on the part of the insured. The thesis makes an important contribution to insurance economics literature as multi-period problems have not yet been widely studied. The article ""Impact of Health Savings Accounts on Precautionary Savings, Demand for Health Insurance and Prevention Effort"" investigates how tax incentives like health savings accounts influence savings for medical costs, the demand for health insurance and ex ante moral hazard. The second article ""Yes, no, perhaps - Explaining the Demand for Risk Classification Insurance"" examines the optimal risk classification in case the insured have incomplete private information regarding their future risk type. The third article ""The Demand for Enhanced Annuities"" analyzes the market reaction to the introduction of so-called enhanced annuities, which are annuities that take individual factors influencing life expectancy into account for pricing. The scientific dissertation is also of interest to insurance practitioners as it examines important issues in the field of health and life insurance product management."
Debating Pensions
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Author : Frank Field
language : en
Publisher:
Release Date : 2002
Debating Pensions written by Frank Field and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Business & Economics categories.
The Long Debate On Poverty
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Author : Ronald Max Hartwell
language : en
Publisher: London : Institute of Economic Affairs
Release Date : 1974
The Long Debate On Poverty written by Ronald Max Hartwell and has been published by London : Institute of Economic Affairs this book supported file pdf, txt, epub, kindle and other format this book has been release on 1974 with Cost and standard of living categories.
Automatic Enrolment In Workplace Pensions And The National Employment Savings Trust
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Author : Great Britain: Parliament: House of Commons: Work and Pensions Committee
language : en
Publisher: The Stationery Office
Release Date : 2012-03-15
Automatic Enrolment In Workplace Pensions And The National Employment Savings Trust written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-03-15 with Business & Economics categories.
The Government established NEST as a low-cost pension scheme to help deliver the auto-enrolment programme and to address a market failure in the pensions industry which meant that many employers and employees were unable to access low-cost, good quality pension provision. However, the Committee believes that certain restrictions placed on NEST will create complexity for employers and will disadvantage some employees. The Committee's report recommends that, if state aid rules allow, the Government should remove the following restrictions: the cap on the annual contributions an individual can make to a NEST scheme; and the ban on individuals transferring existing pension pots into NEST. The Committee further urges the Government to proceed with its plans for State Pension reform, introducing a flat-rate State Pension and reducing the level of means-testing without delay. The report also highlights the difficulties and complexity employers and employees currently face in comparing the fees and charges applied by pension providers and recommends that, from 2013 onwards, if some auto-enrolment schemes still have hidden charges, or charges that represent poor value for money, the Government should use its powers to intervene. Auto-enrolment will impose new costs and may be particularly challenging for small employers however the Committee considers that the Government has taken appropriate steps to minimise the impact on businesses through its gradual and flexible approach ("staging and phasing") to implementation. Exempting small employers would create significant complexity, as well as excluding many employees from the benefits of workplace pension saving