Diverse Risks Essays Collection
The Society of Actuaries’ Committee on Post-Retirement Needs and Risks (CPRNR) has been researching and seeking solutions for managing post-retirement risks for nearly 20 years. The SOA is pleased to share this collection of essays, which explore the diverse risks associated with defined contribution plan risk management strategies; decumulation strategies for retirement; and long-term care financing.
Prize Winners
First Prize
The “Feel Free” Retirement Spending Strategy
R. Evan Inglis
Second Prize
Retirement: Choosing Between Bismarck and Copernicus
Krzysztof Ostaszewski
Third Prize
Thinking About the Future of Retirement
Anna M. Rappaport
Longevity Insurance Benefits for Social Security
John A. Turner
Designing and Communicating Retirement Plans for “Humans”
Steve Vernon
A Portfolio Approach to Retirement Income Security
Steve Vernon
Download the complete essay collection.
Introduction
John Cutler
The “Feel Free” Retirement Spending Strategy
R. Evan Inglis
Retirement: Choosing Between Bismarck and Copernicus
Krzysztof Ostaszewski
Thinking About the Future of Retirement
Anna M. Rappaport
Longevity Insurance Benefits for Social Security
John A. Turner
Designing and Communicating Retirement Plans for “Humans”
Steve Vernon
A Portfolio Approach to Retirement Income Security
Steve Vernon
Decumulation for a New Generation
Elizabeth Bauer
Enhanced Risk Sharing Savings Accounts
Martin Bauer
News Flash: Retirement Takes Over Long-Term Care
John Cutler
How the American Retirement Savings System Magnifies Wealth Inequality
Karl Polzer
Women and Retirement Risk: What Should Plan Sponsors, Planners, Software Developers and Product Developers Know?
Anna M. Rappaport
Diverse Risks and Considerations in Retirement
Zenaida Samaniego
Multiple Objective Asset Allocation for Retirees Using Simulation
Kailan Shang and Lingyan Jiang
Oh, No! Not Another Government Program
Mark Shemtob
A Better Public-Private Approach to Resolving LTSS Financing Dilemma—Catastrophic Shared Stop-Loss: Adapting Life Insurance to Meet Long-Term Care Needs
Morris Tenenbaum
Decisions Misaligned with Priorities: The Non-Annuitization of Retirement Savings
Paul J. Yakoboski
Decumulation Strategy for Retirees: Which Assets to Liquidate
Charles S. Yanikoski
Dealing with Multiple Post-Retirement Risks in the Middle Market
Charles S. Yanikoski