Dr Keating om att applicera solvens II på fonderade pensioner med arbetsgivareförbindelse

The Time Line In pensions is all-important. The need for a pension arises in the first place from the asynchronicity of labour income and consumption. A pension is simply an income in retirement; it is not savings for retirement, which will require realisation to generate income. It is […]

Med hängsle och livrem, redovisningsdriven överfondering av pensionsåtaganden

Seatbelts and Brakes An earlier article (Of Dervishes and Mendicants) illustrated the surprising fact that the application, since 2000, of a further £340 billion of funding to UK defined benefit pension funds, more than 40% of reported liabilities in the year 2000, has not improved their condition. It […]

Dr Con Keating om att förstå pensioner

Towards an Understanding of the Pensions Crisis It is usual in the economics literature to motivate pension arrangements for individuals by reference to consumption smoothing and insurance. The problem for the (average) individual may be illustrated with a simple comparison of the age profiles of individual labour income […]

Tjänstepensionen

Tjänstepensionen olika modeller Din tjänstepension kan vara avgiftsbestämd eller förmånsbestämd. En avgiftsbestämd modell innebär att arbetsgivaren betalar en bestämd avgift till din pension. Pengarna som sätts in kan du själv placera i fonder eller försäkringar. Beroende på hur dessa placeringar faller ut kommer din slutliga tjänstepension variera. Har […]