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2 Things That Hurt Social Security s Inflation Protection

2 Things That Hurt Social Security s Inflation Protection
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Patrick hubbardAliciah munnellRetirement research at boston collegeRetirement researchSocial securityConsumer price index

Is It a Fair Deal for Public Workers to Not Get Social Security?

This is the case in fifteen U.S. states, according to an op-ed published by “Although these plans ought to provide benefits that are the equivalent of the combination of Social Security and a private-sector retirement plan, federal law requires that, at a minimum, they must provide benefits at least as good as those provided by Social Security, and has established a ‘Safe Harbor’ formula that determines whether plans comply with these rules,” according to the op-ed. “If a plan pays a benefit of at least 1.5% of pay, averaged over the last three years of service, and beginning no later than Social Security retirement age, then the plan is considered ‘qualified’ and the state/town/school district can opt out of Social Security,” the op-ed states.

Laurad quinbyAliciah munnellJean pierre aubryRetirement research at boston collegeBoston collegeSocial securitySafe harborRetirement researchSafe harborஜீன் பியர் ஆப்பிரிஓய்வு ஆராய்ச்சி இல் போஸ்டன் கல்லூரிபோஸ்டன் கல்லூரிசமூக பாதுகாப்புஓய்வு ஆராய்ச்சிபாதுகாப்பானது துறைமுகம்

The case for adjusting Social Security benefits to help lower-income workers

The case for adjusting Social Security benefits to help lower-income workers In a world of low interest rates, early claiming shouldn’t be penalized as much as it is, and delayed claiming shouldn’t be rewarded as much as it is. Too many people claim their Social Security benefits early, but maybe we should adjust the penalties for that.(c8501089 / Getty Images/iStockphoto) No, you can’t say the internet. That’s not little-known. Stumped? Here’s my entry: the Social Security benefit-claiming industry. Yup, it’s a real industry in which thousands of financial planners offer an intricate service. They help us pick the best, most profitable time to start taking Social Security benefits. An army of software developers provides support.

United statesBoston collegeScott burnsAliciah munnellAndrewg biggsBoston college centerFederal reserve bankAmerican enterprise instituteRetirement researchSocial securityLow interest ratesஒன்றுபட்டது மாநிலங்களில்போஸ்டன் கல்லூரிஸ்காட் தீக்காயங்கள்போஸ்டன் கல்லூரி மையம்கூட்டாட்சியின் இருப்பு வங்கி

Schafer: Sure, retirement savings for many held up in 2020 We should still do better

Schafer: Sure, retirement savings for many held up in 2020 We should still do better
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United statesAliciah munnellDanqi chenRetirement research at boston collegeBoston collegeSocial securityRetirement researchRetirement storyGreat recessionGreat depressionஒன்றுபட்டது மாநிலங்களில்அன்னிக்கி சென்ஓய்வு ஆராய்ச்சி இல் போஸ்டன் கல்லூரிபோஸ்டன் கல்லூரிசமூக பாதுகாப்புஓய்வு ஆராய்ச்சி

The Case for Alternative Investments in Target Date Funds

1 Introduction The creation of the target date fund (TDF) sought to make available a professionally managed solution for individuals saving for retirement through their employer’s defined contribution (DC)/ 401(k) plan. In the U.S., DC assets represent 61% of total retirement assets 1 and that percentage is expected to continue to rise. However, despite improvements to investment options and participant behavior, on average, DC plans continue to see returns that lag defined benefit (DB) plans. Looking across two recent studies, this deficit is clear: Corporate DB plans outperformed DC plans by an average of 70 bps, net of fees, per year between 1990 and 2012.

Blackrock nick nefouseAliciah munnellNick nefouseSandy halimCarolinev crawfordPam chanJean pierre aubryRetirement research at boston collegeInstitute researchThomson reutersGlobal head of alternative solutionsHead of retirement solutionsBlackrock incRetirement solutionsGlobal headChief investment officer