Preparing Americans for Retirement

Preparing Americans for Retirement PDF

Author: Charles E. Grassley

Publisher: DIANE Publishing

Published: 1999-12

Total Pages: 128

ISBN-13: 0788184512

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Hearing about the problem that many Americans will have a shortfall in their retirement incomes. Witnesses: Dennis Stone, owner, Western Mfg. Corp.; Dallas Salisbury, Employer Benefit Research Inst.; Sharon Robinson, dean, Center for Retirement Educ., Variable Annuity Life Insurance Co.; Olena Berg, Pension and Welfare Benefits Admin., U.S. Dept. of Labor. Also, testimony submitted by the Nat. Council of La Raza and by Amer. Savings Ed. Council; statement of Denise Voight Crawford, pres., North Amer. Securities Admin. Assoc.; and the 1998 Small Employer Retirement Survey.

Transform Tomorrow

Transform Tomorrow PDF

Author: Stig Nybo

Publisher: John Wiley & Sons

Published: 2013-01-17

Total Pages: 182

ISBN-13: 1118572742

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A campaign to prepare Americans for their futures Transform Tomorrow investigates why so many Americans are at risk of out-living their savings. Author Stig Nybo draws inspiration from successful behavior change campaigns to identify the drivers of change—context and beliefs—and how they can be successfully employed to boost retirement savings rates. While the retirement savings industry increasingly embraces the contextual drivers of behavior, very little is being done to shape our beliefs to start saving smarter and sooner. Nybo suggests a retirement readiness campaign to inspire and enlist the support of individuals, employers, industry, government, and the media. Explains how society can transition from treating 401(k) as a voluntary benefit to the basis upon which each individual who wants to or needs to can retire comfortably. Details a national, coordinated retirement readiness campaign, along the lines of successful Public Service Advertisements—like "The Crying Indian" and Rosie the Riveter—that will help change behavior and re-shape the culture of our nation Makes a call to action for such a campaign Retirement in America is endangered, but Transform Tomorrow shows a path back from the brink.

Helping Americans Prepare for Retirement

Helping Americans Prepare for Retirement PDF

Author: United States. Congress

Publisher: Createspace Independent Publishing Platform

Published: 2017-11-27

Total Pages: 102

ISBN-13: 9781981198276

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Helping Americans prepare for retirement : increasing access, participation, and coverage in retirement savings plans : hearing before the Committee on Finance, United States Senate, one Hundred Fourteenth Congress, second session, January 28, 2016.

Aging and the Macroeconomy

Aging and the Macroeconomy PDF

Author: National Research Council

Publisher: National Academies Press

Published: 2013-01-10

Total Pages: 230

ISBN-13: 0309261961

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The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.