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Funded mandatory pension systems based on individual accounts are spreading around the world. With the maturation of these systems, regulating the withdrawal of retirement savings will become increasingly important. Government regulation of withdrawals should mandate the purchase of inflation-indexed life annuities exceeding income available from government welfare programs for the retiree and potential survivors. Proper functioning of insurance markets does not, however, require annuitizing the entire account balance. Instead, more flexibility for the choice of withdrawals could be permitted for any remaining funds, helping to tailor income streams to individual needs and living arrangements.
Insurance --- Labor --- Macroeconomics --- Demography --- Insurance Companies --- Actuarial Studies --- Pension Funds --- Non-bank Financial Institutions --- Financial Instruments --- Institutional Investors --- Social Security and Public Pensions --- Economics of the Elderly --- Economics of the Handicapped --- Non-labor Market Discrimination --- Retirement --- Retirement Policies --- Nonwage Labor Costs and Benefits --- Private Pensions --- Aggregate Factor Income Distribution --- Insurance & actuarial studies --- Population & demography --- Labour --- income economics --- Pensions --- Aging --- Income --- Financial institutions --- Population and demographics --- National accounts --- Population aging --- United States
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Analysts agree that raising national saving is one of the key objectives of social security reform in the United States. Hence, to judge the merits of proposals requires a comparison of saving responses. The paper outlines the difficulties involved in making those comparisons, which arise from the unsustainability of the current social security system and the uncertainty regarding the use of projected budget surpluses. Building on previously developed arguments, it discusses three typical reform plans and also draws some conclusions about the relationship between social security reform and the long-run sustainability of fiscal policy.
Budgeting --- Investments: General --- Macroeconomics --- Taxation --- Macroeconomics: Consumption --- Saving --- Wealth --- Social Security and Public Pensions --- National Budget --- Budget Systems --- General Financial Markets: General (includes Measurement and Data) --- Personal Income and Other Nonbusiness Taxes and Subsidies --- Budgeting & financial management --- Investment & securities --- Public finance & taxation --- Extra-budgetary funds --- Private savings --- Securities --- Payroll tax --- Budget planning and preparation --- Public financial management (PFM) --- National accounts --- Financial institutions --- Taxes --- Budget --- Saving and investment --- Financial instruments --- Fiscal policy --- United States
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Annuities. --- Social security --- Privatization.
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Social policy --- Public finance --- Development aid. Development cooperation --- Developing countries
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