Retirement Plans Edition
January 15, 2001
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Retirement Incentives and Expectations
Excerpt: "This paper investigates the responsiveness of individuals' retirement expectations to forward-looking measures of pension wealth accumulations." Link to a Working Paper available for downloading from the National Bureau of Economic Research. (Sewin Chan and Ann Huff Stevens, published by the National Bureau of Economic Research)
Individual Risk in an Investment-Based Social Security System
Excerpt: "This paper examines the risk aspects of an investment-based defined contribution Social Security plan. We focus on the risk after the plan is fully phased in." Link to a Working Paper available for downloading from the National Bureau of Economic Research. (Martin Feldstein and Elena Ranguelova, published by the National Bureau of Economic Research)
Narrowing Gap Between Income in Elderly, Nonelderly Households
Excerpt: "Although remaining concentrated in lower income groups, elderly households achieved significantly greater equality of income distribution between 1967 and 1997; the gap with the income distribution of nonelderly households narrowed." (Bureau of Labor Statistics, U.S. Department of Labor)
Investors Do Well With Pensions
Excerpt: "The data show that investors allocate their money very differently in their retirement accounts from the way they do in their taxable accounts." (Bloomberg via Seattle Post-Intelligencer)
Mutual Funds Trade Association Issues Statement On Fees Report from SEC
Press release. Excerpt: "The SEC fee report confirms that mutual fund shareholders benefit from economies of scale. The SEC found that as stock and bond fund assets increase, automatic fee reductions in place at most mutual funds drive down expense ratios." (Investment Company Institute)
When the Retirement Nest-Egg Cracks
Excerpt: "Three years after I retired, I was shocked to discover that if my wife and I didn't cut down on our spending and get better results on our investments, we would use up all our retirement savings within eight years." (Washington Post)
Will You Be Ready for Retirement? A Checklist From One Who's Arrived
Excerpt: "On the face of it, the arithmetic of retirement is fairly simple. It's a matter of income vs. expenses. The key question: Will your monthly income be sufficient to cover your monthly expenses?" (Washington Post)
(Following also appears in Welfare Plans Edition)
Analysis: IRS Temporary "Intermediate Sanctions" Regulations Affect Non-Profit Org Executives
Excerpt: "In July 1998 the IRS issued proposed regulations to implement section 4958, and solicited public comments. The regulations published January 9 respond to many of these comments and reflect considerable effort by the IRS to guide tax exempt organizations and their advisors in the interpretation of the intermediate sanctions rules." (Faegre & Benson LLP)
IRS Expands Scope of Rules On Nonprofit Compensation
Excerpt: "Small businesses generally don't think of themselves as charities, despite the old joke about being an unintentional nonprofit, so most owners have little reason to notice new tax regulations issued last week governing compensation of executives of charities. The regulations implement 1996 legislation by Congress aimed at giving the Internal Revenue Service a practical mechanism for dealing with charities that abuse their tax benefits." (Washington Post)
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