Description: The primary focus of this newsletter is devoted to articles regarding the future of retirement plans.

Description: In this article, we describe new approaches to long-term care financing that rely on home equity release and we address several of the challenges mentioned above. While these approaches stand to help expand the potential for long-term care financing to middle-class Americans, even these approaches don’t address a large swath of the U.S. with less privilege, who have little or no home equity. We will discuss the product design, marketing, pricing and risk management of these new approaches and potential behavioral factors that should be considered. The article builds on a growing body of academic research to which the authors have actively contributed. We want to share the key insights of this international work in market research, economics, and actuarial studies to stimulate more research in this area.

Description: This is a discussion of the Life–Cycle Model, findings from behavioral finance, managing risks post–retirement, the role of government, software and some perspectives on the future.

Description: This is a discussion about an ongoing dialogue on a model of personal investing known as the Life–Cycle Model of Investing and Saving. To gain additional insight into the model and its implications for retirement planning, the SOA's Committee on Post Retirement Needs and Risks CPRNR recently gathered a panel of leading experts for a round table discussion on the model with the hope of providing a lively forum to exchange ideas.

Description: This article presents highlights from a Roundtable Discussion held at the 2008 Annual Conference of the National Academy of Social Insurance - NASI. Some issues discussed are the results of the SOA 2007 Survey on the Risks and Process of Retirement, the phases of retirement and the changes during retirement as a function of changing health and capability, age, changing family status and employment status.

Description: This article summarizes a series of surveys that explore how the public perceives retirement risks and manages related financial resources. It also provides examples of conflicting perceptions and behavior related to retirement and how retirees manage assets in retirement.

Description: COVID-19 has changed the lives of most Americans and there are very important issues for retirees and near-retirees to consider.

Description: Feature article discussing the financial strains of growing family structures.

Description: This section of book reviews covers topics of pension mathematics, cost of hospital care, variable life insurance, probability theory and early retirement programs. Also included in this article is information from U.S. National Center for Health Statistics. From Transactions of Society of Actuaries 1972, Vol. 24, Pt. 1, No. 68.

Description: This article provides a perspective on the SOA’s Aging and Retirement research reports, and on the types of research that are included. The SOA does a lot of research on different retirement topics, and many people are not aware of the scope of this work. This article offers an overview of the big picture as we think about the future. The article describes longer-term challenges to the US retirement system and recent developments that have affected the system and created uncertainty. It provides an overview of what individuals have said about retirement and their view of post-retirement risks and planning in a variety of consumer research studies. It then reviews some of the research and provides information on summary reports which provide insight on the findings from multiple related research reports. It also provides information about consumer education and what is currently available and in process. It then focuses on how the SOA is helping retirement professionals understand current and expected change and discusses areas of uncertainty as we help those we serve deal with change.