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Recalibrating Retirement Spending and Saving$
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John Ameriks and Olivia S. Mitchell

Print publication date: 2008

Print ISBN-13: 9780199549108

Published to Oxford Scholarship Online: January 2009

DOI: 10.1093/acprof:oso/9780199549108.001.0001

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Regulating Markets for Retirement Payouts: Solvency, Supervision, and Credibility

Regulating Markets for Retirement Payouts: Solvency, Supervision, and Credibility

Chapter:
(p.168) Chapter 8 Regulating Markets for Retirement Payouts: Solvency, Supervision, and Credibility
Source:
Recalibrating Retirement Spending and Saving
Author(s):

Phyllis C. Borzi

Martha Priddy Patterson

Publisher:
Oxford University Press
DOI:10.1093/acprof:oso/9780199549108.003.0008

Soon the largest cohort of workers in history will be eligible to retire: and most will have only their personal saving and a lump-sum benefit from a 401(k) plan to supplement Social Security benefits during retirement. The proceeds of these 401(k) and IRA benefits represent the largest amount of money these individuals have ever managed, and the challenges and hazards they face are enormous. This chapter evaluates the regulatory and enforcement structures in place to protect individuals from financial loss through the insolvency, fiscal mismanagement, and/or malfeasance of those who help them manage and invest their retirement distributions.

Keywords:   accumulated assets, retiree, longevity, inflation, risk, fraud, nest egg, 401(k) plan, defined benefit, defined contribution

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