Tag #Retirement Security

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forbes.com

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Jul 14, 19:14

Closing the Retirement Gap: Systemic Barriers and Policy Solutions

Thasunda Brown Duckett, TIAA CEO, discusses systemic barriers to retirement security for low-income Americans, advocating for policy solutions like expanded access to workplace retirement plans and early financial education to close the wealth gap.

Closing the Retirement Gap: Systemic Barriers and Policy Solutions

Thasunda Brown Duckett, TIAA CEO, discusses systemic barriers to retirement security for low-income Americans, advocating for policy solutions like expanded access to workplace retirement plans and early financial education to close the wealth gap.

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What are the primary systemic barriers preventing low-income Americans from achieving retirement security, and what policy solutions can effectively address these challenges?

The article highlights the systemic barriers preventing low-income Americans from securing retirement, primarily the lack of access to workplace retirement plans. This necessitates innovative policy solutions, such as expanding access to plans for small businesses or implementing state-sponsored programs, to address this inequality.

forbes.com

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Jun 5, 22:16

Shared Responsibility for Retirement Savings Cybersecurity

The U.S. Department of Labor's 2021 cybersecurity guidance underscores a shared responsibility to protect retirement savings, emphasizing employer due diligence in vendor selection, best practices for cybersecurity, and individual actions like multi-factor authentication to prevent cyber fraud.

Shared Responsibility for Retirement Savings Cybersecurity

The U.S. Department of Labor's 2021 cybersecurity guidance underscores a shared responsibility to protect retirement savings, emphasizing employer due diligence in vendor selection, best practices for cybersecurity, and individual actions like multi-factor authentication to prevent cyber fraud.

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How significant is the threat of cybercrime to retirement accounts, and what measures are being taken by different stakeholders to mitigate these risks?

The DOL guidance underscores the need for coordinated action across all plan administration levels. Plan sponsors must exercise care in selecting service providers, adhering to cybersecurity best practices, and implementing measures like multi-factor authentication (adopted by 72% of 401(k) plans, per the Plan Sponsor Council of America). Individual actions, such as strong passwords and secure Wi-Fi usage, are also crucial.

forbes.com

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May 9, 22:11

Financial Planning for a Secure Retirement: Addressing Stress and Longevity Risks

The Healthy Aging 2025 conference highlighted financial stress as a major concern for pre-retirees and retirees, especially women, emphasizing the need for proactive financial planning to balance income and expenses and manage longevity risks.

Financial Planning for a Secure Retirement: Addressing Stress and Longevity Risks

The Healthy Aging 2025 conference highlighted financial stress as a major concern for pre-retirees and retirees, especially women, emphasizing the need for proactive financial planning to balance income and expenses and manage longevity risks.

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Good Health and Well-being

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What are the primary financial concerns for pre-retirees and retirees, and what immediate actions can mitigate these concerns?

Financial stress significantly impacts the mental and physical health of pre-retirees and retirees, particularly women due to longer lifespans and fewer financial resources. A realistic financial plan is crucial to mitigate this stress, balancing lifetime retirement income with living expenses.

forbes.com

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Mar 25, 22:11

Trump Administration's Actions Threaten Social Security Payments

The Trump administration's undermining of Social Security, including staff cuts and negative rhetoric, threatens timely benefit payments to 73 million Americans, exposing a deep disconnect between elites and those reliant on the system for survival.

Trump Administration's Actions Threaten Social Security Payments

The Trump administration's undermining of Social Security, including staff cuts and negative rhetoric, threatens timely benefit payments to 73 million Americans, exposing a deep disconnect between elites and those reliant on the system for survival.

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What is the immediate impact of the Trump administration's actions on Social Security's ability to provide timely payments to its beneficiaries?

The Trump administration's actions, including public denigration of Social Security and staff cuts, jeopardize the timely delivery of benefits to 73 million Americans, potentially causing financial hardship for millions who rely on these payments for essential needs. Secretary Lutnick's comment highlights the disconnect between elites and the average American's dependence on Social Security.

forbes.com

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Jan 9, 22:10

Resurgence of Pension Plans Reflects Economic Anxiety and Labor Shortages

Amid economic anxieties and a retirement crisis, numerous U.S. companies, including Southwest Airlines, GM, and IBM, are reinstating or upgrading pension plans for their employees, a trend also seen in Canada, to attract and retain workers.

Resurgence of Pension Plans Reflects Economic Anxiety and Labor Shortages

Amid economic anxieties and a retirement crisis, numerous U.S. companies, including Southwest Airlines, GM, and IBM, are reinstating or upgrading pension plans for their employees, a trend also seen in Canada, to attract and retain workers.

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Decent Work and Economic Growth

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What are the key factors driving the recent resurgence of pension plans in both the private and public sectors?

Southwest Airlines pilots received a 50% salary increase and a new cash balance pension plan over five years, with employer contributions starting at 1% and rising to 2% in 2026. This follows a trend of employers, including GM and IBM, restoring or enhancing pension benefits to attract and retain workers, particularly in sectors facing labor shortages.

forbes.com

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Dec 18, 16:16

SECURE Act 3.0: Potential Retirement Plan Changes and Tax Implications

Congress is considering SECURE Act 3.0, a potential follow-up to retirement plan reforms enacted in 2019 and 2022, which will likely necessitate offsetting tax increases to help fund the extension of provisions of the 2017 Tax Cuts and Jobs Act and other government spending, impacting millions of ta...

SECURE Act 3.0: Potential Retirement Plan Changes and Tax Implications

Congress is considering SECURE Act 3.0, a potential follow-up to retirement plan reforms enacted in 2019 and 2022, which will likely necessitate offsetting tax increases to help fund the extension of provisions of the 2017 Tax Cuts and Jobs Act and other government spending, impacting millions of ta...

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What are the primary goals and immediate consequences of the proposed SECURE Act 3.0, considering its potential impact on retirement savings and tax policies?

The SECURE Act 1.0 (2019) and 2.0 (2022) significantly altered qualified retirement plans, impacting tax benefits and distribution rules. The acts aimed to boost retirement plan participation and contributions while delaying required minimum distributions. However, revenue increases, such as ending the Stretch IRA, offset some tax benefits.

theguardian.com

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Jul 6, 19:13

Gen Z Outpaces Previous Generations in Retirement Savings

A recent study reveals Gen Z's remarkable retirement savings, exceeding previous generations, driven by financial anxieties and proactive saving habits; however, additional employer-sponsored initiatives can further optimize their financial security.

Gen Z Outpaces Previous Generations in Retirement Savings

A recent study reveals Gen Z's remarkable retirement savings, exceeding previous generations, driven by financial anxieties and proactive saving habits; however, additional employer-sponsored initiatives can further optimize their financial security.

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What factors beyond personal anxieties are influencing Gen Z's higher-than-average retirement savings rates?

The heightened financial anxieties of Gen Z, fueled by events like the 2008 financial crisis and the COVID-19 pandemic, are contributing to their increased retirement savings. This contrasts with previous generations' experiences and highlights a generational shift in prioritizing financial security. Their proactive approach to saving, as shown in studies, demonstrates a strong desire for future stability.

repubblica.it

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May 20, 07:12

Low Participation in Italy's Supplementary Pension System Spurs Reform Proposals

Italy's supplementary pension system, with 11.1 million accounts by end-2024, faces low participation among women, young people, and those in central and southern Italy, prompting proposals for entry bonuses, flexible payouts, and adjustments to tax incentives.

Low Participation in Italy's Supplementary Pension System Spurs Reform Proposals

Italy's supplementary pension system, with 11.1 million accounts by end-2024, faces low participation among women, young people, and those in central and southern Italy, prompting proposals for entry bonuses, flexible payouts, and adjustments to tax incentives.

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What are the primary obstacles hindering broader participation in Italy's supplementary pension system, and what immediate steps could address them?

In Italy, only one in three workers has a supplementary pension plan, despite a 4.2% annual increase in active accounts reaching 11.1 million by the end of 2024. Participation remains low among women, young people, and those in central and southern Italy.

forbes.com

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Apr 29, 01:17

Retirement Investment Strategies and Income Shortfalls: A Case Study

A case study analyzing four retirement investment strategies for a 45-year-old earning \$100,000 reveals significant income shortfalls despite aggressive saving and investing, emphasizing the need for adjustments like increased savings or lifestyle changes to reach retirement income goals.

Retirement Investment Strategies and Income Shortfalls: A Case Study

A case study analyzing four retirement investment strategies for a 45-year-old earning \$100,000 reveals significant income shortfalls despite aggressive saving and investing, emphasizing the need for adjustments like increased savings or lifestyle changes to reach retirement income goals.

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What are the projected shortfalls in retirement income for each of the four modeled investment strategies, considering the individual's current financial situation and retirement goals?

A 45-year-old making \$100,000 annually with \$200,000 in 401(k) savings and a 13% annual contribution aims to replace 70% of their pre-retirement income (\$129,133) at age 67. Four investment strategies were modeled, all projecting shortfalls against this goal even with anticipated Social Security income.

dw.com

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Jan 13, 22:08

Germany's Homeownership Rate Hits 15-Year Low

Germany's homeownership rate has dropped to 44 percent, a 15-year low, prompting calls for government subsidies and tax breaks to increase affordability and social stability, as experts highlight the country's low ranking in Europe compared to nations with higher ownership rates.

Germany's Homeownership Rate Hits 15-Year Low

Germany's homeownership rate has dropped to 44 percent, a 15-year low, prompting calls for government subsidies and tax breaks to increase affordability and social stability, as experts highlight the country's low ranking in Europe compared to nations with higher ownership rates.

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What are the immediate implications of Germany's declining homeownership rate, and how does it compare to other European nations?

Germany's homeownership rate has fallen to a 15-year low of 44 percent, prompting calls for government intervention to boost affordability. This is significantly lower than neighboring countries like Austria, the Netherlands, and Sweden, where rates exceed 50 percent. Experts believe increased homeownership would improve social stability.

foxnews.com

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Jan 3, 16:09

Data Brokers Fuel Retirement Scams

Data brokers selling personal information enable three types of increasingly targeted retirement scams: 'spray and pray,' demographic targeting, and highly personalized attacks using detailed personal data, leading to financial losses and identity theft.

Data Brokers Fuel Retirement Scams

Data brokers selling personal information enable three types of increasingly targeted retirement scams: 'spray and pray,' demographic targeting, and highly personalized attacks using detailed personal data, leading to financial losses and identity theft.

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What are the different types of scams enabled by data brokers, and how do they vary in their effectiveness?

Three types of scams leverage data broker information: 'spray and pray' (broad targeting), 'fire hose' (targeting specific demographics), and highly personalized attacks using detailed personal data. This allows criminals to bypass security measures with increased success.

abcnews.go.com

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Dec 10, 22:09

"Widespread Retirement Savings Shortfall Threatens Americans' Financial Security"

"Vanguard data reveals a median retirement savings balance of just $35,000 for plan participants, while half of those aged 55-66 have nothing; women are particularly vulnerable, indicating a widespread retirement savings crisis."

"Widespread Retirement Savings Shortfall Threatens Americans' Financial Security"

"Vanguard data reveals a median retirement savings balance of just $35,000 for plan participants, while half of those aged 55-66 have nothing; women are particularly vulnerable, indicating a widespread retirement savings crisis."

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"What are the key factors contributing to the widespread retirement savings shortfall among Americans, and what are the immediate consequences?"

"The average American's retirement savings are alarmingly low, with a median balance of only $35,000 in Vanguard plans, creating a significant shortfall for many nearing retirement. Half of those aged 55-66 have no retirement savings, highlighting a critical need for improved preparedness. Women are disproportionately affected."

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