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Searching for: researcher is "national institute on retirement security (nirs)"

Surveys listed in reverse order of publication date

Results 1-4 of 4.

83% of Americans concerned about retirement
83% of Americans concerned about retirement
National Institute on Retirement Security (NIRS)
14 Jan 2009 United States Savings, Pensioners & Retirement, Countries - US
A survey from the National Institute on Retirement Security (NIRS) has found widespread retirement insecurity among Americans. Current economic conditions mean that more than eight out of ten Americans are worried about their ability to retire. 71% indicate they feel it is harder today to retire compared to previous generations. The findings also show that Americans believe pensions can help reduce insecurity, with 55% expressing that a pension would increase their own retirement confidence and 84% saying that policymakers should make it easier for employers to offer pensions. Further, nearly nine out of ten Americans believe all workers should have a pension plan.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Jan 2009 or click here (this link will not work in all circumstances). For further information about Perspective click here.

90457098   Click here to contact the authors.
 
In it for the Long Haul - The Investment Behaviour of Public Pensions
The Investment Behaviour of Public Pensions
National Institute on Retirement Security (NIRS)
24 Nov 2008 United States Scheme Issues & Trends, Investment - General, Countries - US
A new analysis of public pension investment data by the National Institute on Retirement Security (NIRS) indicates that public plans exhibit prudent investment behaviour - even during volatile market conditions. The analysis was based on US Federal Reserve and US Census Bureau public pension data from 1993 to 2005. The study concludes that public pension plans are prudent investors because they actively rebalance investments in response to price changes, do not get caught up in a “herd mentality”, hold higher risk assets when funding levels are higher and assess their financial situation before modifying the plan’s asset allocation and hold smaller amounts of stocks when employers face higher contribution rates.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Nov 2008 or click here (this link will not work in all circumstances). For further information about Perspective click here.

9544926B   Click here to contact the authors.
 
DB pensions can provide retirement income at half the cost of DC accounts
DB pensions can provide retirement income at half the cost of DC accounts
National Institute on Retirement Security (NIRS)
14 Aug 2008 United States Scheme Design (inc. DB & DC), Investment - General, Countries - US
A new report from the National Institute on Retirement Security (NIRS), entitled "A Better Bang for the Buck: The Economic Efficiencies of Defined Benefit Pension Plans", has found that a defined benefit (DB) pension can deliver the same retirement income at 46% lower cost than an individual defined contribution (DC) account. The analysis calculates that DB plans avoid the problem of “over-saving” by pooling the longevity risks of large numbers of individuals - resulting in a 15% cost saving. It also argues that DB schemes are ageless and therefore can perpetually maintain an optimally balanced investment portfolio rather than the typical individual strategy of down-shifting over time to a lower risk/return asset allocation - resulting in a 5% cost saving. Finally, the report said that DB plans achieve higher investment returns compared to individual investors because of professional asset management and lower fees - resulting in a 26% cost saving.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Aug 2008 or click here (this link will not work in all circumstances). For further information about Perspective click here.

C14342F4   Click here to contact the authors.
 
Patience is a virtue: asset allocation patterns of DB & DC plans
Patience is a virtue: asset allocation patterns of DB & DC plans
National Institute on Retirement Security (NIRS)
Jul 2008 United States Scheme Issues & Trends, Investment - General, Countries - US
The National Institute on Retirement Security (NIRS) has published its latest Issue Brief entitled: "Patience is a virtue: asset allocation patterns of DB & DC plans". Public and private retirement funds represent a considerable source of capital in US financial markets. In 2007, retirement plans held close to $9 trillion in assets. Such retirement plans encompass traditional pension plans, also called defined benefit (DB) plans, where assets are invested and managed on a group basis, and defined contribution (DC) plans, where individuals typically direct investments on their own. This Issue Brief examines how these plans invest their assets and how these investments have changed over time.

More details are generally available exclusively to subscribers of Perspective, the electronic pensions legal & regulatory information and news service. To read the summary, subscribers should launch Perspective and navigate via the Table of Documents to PensionSurveys >> Jul 2008 or click here (this link will not work in all circumstances). For further information about Perspective click here.

B44308B1    
 

Results 1-4 of 4.