Description: List of Tables. From Retirement Implications of Demographic and Family Change Symposium Monograph, M-RS02-2.

Description: This paper is a response to the comments on the Tracker Plan, a concept for U.S. pension reform.

Description: This paper is a comment on the Tracker Plan, a concept for U.S. pension reform.

Description: This paper is a concept for U.S. pension reform.

Description: There is no silver bullet to improving retirement income outcomes for retirees. However, a combination of changes can be of significant value in addressing this overlooked issue. Although QLACs on the surface have potential value, they are not nearly as efficient as they could be. So far, employer plans have provided limited options for retirement income solutions. IRAs may not cost effectively serve the best interest of retirees. Employer plans should be encouraged to become retirement income providers and alternative approaches should be considered. The current prohibition on allowing plans to modify benefit payouts based on mortality experience should be reconsidered to allow for innovative plan income designs. Improvements to the deaccumulation stage of the retiree nest egg are challenging yet necessary.

Description: This paper responds to comments on a proposed compulsory savings program combined with transparent investment vehicles designed to promote competition based on expense levels, fund performance and customer service. At retirement 50% of the account is annuitized in Participating Variable Annuity (PVA) backed by TIPS. All investment experience, expenses, and pooled longevity experience is passed to annuitants through periodic benefit adjustments. Annuities are priced uniformly based on age at commencement.

Description: This paper explores a proposed compulsory savings program combined with transparent investment vehicles designed to promote competition based on expense levels, fund performance and customer service. At retirement 50% of the account is annuitized in Participating Variable Annuity (PVA) backed by TIPS. All investment experience, expenses, and pooled longevity experience is passed to annuitants through periodic benefit adjustments. Annuities are priced uniformly based on age at commencement.

Description: This article discusses the challenges to today's retirement system. As part of the recent Re-envisioning Work and Retirement in the 21st Century symposium, held in Washington, D.C., attendees completed a Delphi survey covering challenges to today's retirement system. This article discusses the benefits of a Delphi survey and the results of this particular one. From Pension Section News, September 2006, No. 62.

Description: Retirement Symposium overview. A session by session synopsis of the wide ranging topics presented.