Description: Presented at Living to 100 Symposium, January 2011. The U.S. retirement system has many defects that affect individuals’ ability to survive living to 100. This paper explores some of the problems that individuals face and recommends changes that could make the U.S. system work better.

Description: This paper suggests a number of legislative changes, educational efforts, and changes in annuity products and asset allocation software that could assist workers and retirees to better prepare for and respond to declining mortality rates and future increases in income needs. From Retirement Needs Framework, M-RS00-1.

Description: This paper suggests a possible framework for the mandatory annuitization of U.S. retirement savings, considers the experience of other countries and analyzes the advantages and disadvantages of mandatory annuitization.

Description: This presentation from Session 141 of the SOA 2004 Annual Meeting and Exhibit discusses the longevity and investment risks facing participants after retirement and examines the relative merits of annuitizing retirement assets. From the Record of the Society of Actuaries, Vol. 30, No. 3.

Description: The abstract for a paper talks about the risks of defined benefit and defined contribution plans.

Description: This paper offers ideas on new retirement plan designs that share investment risk or longevity risk, or both, between employers and employees.

Description: The abstract for the paper New Retirement Plan Designs for the 21st Century.

Description: This paper talks about the risks of defined benefit and defined contribution plans.