The Retirement Challenge [electronic resource] : What's Wrong with America's System and a Sensible Way to Fix It

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자료유형	단행본
서명/저자사항	The Retirement Challenge [electronic resource]: What's Wrong with America's System and a Sensible Way to Fix It.
개인저자	Baily, Martin Neil.  Harris, Benjamin H.
발행사항	Oxford: Oxford University Press, Incorporated, 2023.
형태사항	1 online resource (203 p.)
ISBN	0197639291 9780197639290
일반주기	Description based upon print version of record. Why Alternative Proposals Will Not Work
내용주기	Intro -- Title Page -- Copyright Page -- Dedication -- Contents -- List of Tables and Figures -- Preface -- Contributors to the Brookings-Kellogg Retirement Events -- 1. Overview -- Retirement: From Whence It Came -- Needed: A New Paradigm for Retirement -- The Agenda for Families, Companies, and Policymakers -- We Can Do This -- 2. Retirement: How Are We Doing? -- Defined-Benefit Pensions and Defined Contribution (401(K)-Type) Plans -- Assessing How Well Americans Are Prepared for Retirement -- The Critical Role of Uncertainty -- Summing Up -- 3. Retirement and Economic Growth The Impact of Slow Economic Growth on Retirement Policies and Decisions -- The Potential Impact of Retirement Saving on Economic Growth -- Strong Economic Growth Has Been Elusive -- Investment Benefits Both Workers and the Economy -- Funding and Investment Increase -- 4. Entitlements: The Cornerstone of Retirement -- Social Security -- Medicare and Medicaid -- Trust Fund Woes -- Entitlements in the Larger Budget Discussion -- Worrying, or Not, About Deficits and Debt -- What's to Come for Entitlement Programs -- 5. Working Longer -- How Do People Decide When to Retire? Are People Making Good Retirement Decisions? -- How Much Are Adults Working, and Why? -- Do Changing Incentives Help Explain the Labor Force Trends of Older Workers? -- Making the Right Retirement Decisions -- 6. Why Is Saving So Hard? -- Barriers to Saving -- Unequal Tax Breaks for Saving -- 7. Transitioning to Retirement in a Changing Labor Market -- Part-Time Work Among Older Workers -- Paths to Retirement -- Self-Employment at Older Ages -- Can Internet Platforms Help Older People Find Work? -- Older Workers Must Understand the Changing Labor Market -- Can Phased Retirement Improve Health? 8. How Annuities Can Mitigate Uncertainty and Improve Retirement -- Annuity Products -- Economists Value Annuities -- Consumers Do Not -- Behavioral Biases Against Annuities -- Longevity Annuities -- The Tax Implications -- 9. How Are Families Planning for End-of-Life Care? -- Long-Term Care and the Population That Needs It -- Long-Term Care: Its Costs and Financing -- Market Failures and Distortions -- Toward Solutions -- 10. Reverse Mortgages -- The Reverse Mortgage Market -- The HECM Program -- The Reverse Mortgage Market over Time -- Reverse Mortgages: Pros and Cons 11. How to Improve Retirement Accounts -- A Retirement Account Vision -- Reforms to Improve Retirement Accounts -- The Need for Action -- 12. Improving Opportunities for Older Workers -- Financial Incentives to Work Longer -- Changing Attitudes Toward Retirement, Older Worker Productivity -- Strengthen Age Discrimination Protections -- Retrain Older Workers -- 13. Reforming Private Insurance Markets -- Why Reform Private Insurance Markets? -- Reverse Mortgages -- Annuities -- Long-Term Care -- 14. A Vision for a New Retirement Paradigm -- The Most Important Steps to Improve Retirement
요약	In The Retirement Challenge, influential former White House economists Martin Neil Baily and Benjamin H. Harris explore America's outdated retirement system and explain how improving retirement requires changes by families, employers, and policymakers alike. The central premise of the book is that the only plausible path to success is to build on the current system, with improvements to both public programs, retirement saving accounts, and private insurance markets.
주제명(지명)	United States. --fast
일반주제명	Retirement --United States --Planning. Retirement --Planning.
분류기호(DDC)	306.380973
언어	영어
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