Retirement savings and security : selected elements and considerations / Linda A. Eisterhold, editor.

Format:

Book

Contributor:

Eisterhold, Linda A.

Series:

Retirement Issues, Plans and Lifestyles

Retirement issues, plans and lifestyles

Language:

English

Subjects (All):

Retirement income--Planning.

Retirement income.

Physical Description:

1 online resource (220 p.)

Place of Publication:

New York : Nova Publishers, [2013]

Language Note:

English

Summary:

This book provides an overview of select elements and considerations of retirement savings and security with a focus on Social Security financing and benefits under current law; eligibility requirements, contribution limits, tax deductibility of contributions, and rules for withdrawing funds from traditional and Roth Individual Retirement accounts (IRAs); 401(k) plans and retirement savings; Federal Employees' Retirement System benefits and financing and the role of the Thrift Savings Plan; and the benefits, risks and regulations of annuities with guaranteed lifetime withdrawals.

Contents:

""RETIREMENT SAVINGS AND SECURITY: SELECTED ELEMENTS AND CONSIDERATIONS""; ""RETIREMENT SAVINGS AND SECURITY: SELECTED ELEMENTS AND CONSIDERATIONS""; ""Library of Congress Cataloging-in-Publication Data""; ""CONTENTS""; ""PREFACE""; ""Chapter 1: SOCIAL SECURITY PRIMER""; ""SUMMARY""; ""INTRODUCTION""; ""ORIGINS AND BRIEF HISTORY OF SOCIAL SECURITY""; ""SOCIAL SECURITY FINANCING""; ""STATUS OF THE SOCIAL SECURITY TRUST FUNDS""; ""SOCIAL SECURITY REFORM DEBATE""; ""SOCIAL SECURITY BENEFIT RULES""; ""SOCIAL SECURITY BENEFICIARIES""

""Chapter 2: TRADITIONAL AND ROTH INDIVIDUAL RETIREMENT ACCOUNTS (IRAS): A PRIMER""""SUMMARY""; ""INTRODUCTION""; ""IRA ASSETS AND SOURCES OF FUNDS""; ""TRADITIONAL IRAS""; ""CONTRIBUTIONS""; ""ROTH IRAS""; ""RETIREMENT SAVINGS CONTRIBUTION CREDIT""; ""APPENDIX. QUALIFIED DISTRIBUTIONS RELATED TO NATURAL DISASTERS""; ""Chapter 3: INDIVIDUAL RETIREMENT ACCOUNTS (IRAS): ISSUES AND PROPOSED EXPANSION""; ""SUMMARY""; ""INTRODUCTION""; ""CURRENT RULES REGARDING INDIVIDUAL RETIREMENT ACCOUNTS""; ""TAX CONSEQUENCES OF IRAS""; ""ECONOMIC IMPORTANCE OF IRAS""; ""SAVINGS EFFECTS""

""DISTRIBUTIONAL EFFECTS""""ADMINISTRATIVE ISSUES""; ""POLICY IMPLICATIONS OF TRADITIONAL AND ROTH IRAS""; ""RECENT PROPOSALS""; ""CONCLUSION""; ""APPENDIX. A HISTORY OF IRA PROPOSALS""; ""Chapter 4: 401(K) PLANS AND RETIREMENT SAVINGS: ISSUES FOR CONGRESS""; ""SUMMARY""; ""NEW CHALLENGES TO A SECURE RETIREMENT INCOME""; ""ACCESS TO EMPLOYER-SPONSORED RETIREMENT PLANS""; ""PARTICIPATION IN EMPLOYER-SPONSORED RETIREMENT PLANS""; ""CONTRIBUTIONS TO RETIREMENT SAVINGS PLANS""; ""POLICY ISSUE: AUTOMATIC CONTRIBUTION ESCALATION""; ""INVESTMENT CHOICES AND INVESTMENT RISK""

""FEES AND FEE DISCLOSURE""""LEAKAGE FROM RETIREMENT SAVINGS PLANS""; ""CONVERTING RETIREMENT SAVINGS INTO INCOME""; ""CONCLUSION""; ""ACKNOWLEDGMENTS""; ""Chapter 5: FEDERAL EMPLOYEES� RETIREMENT SYSTEM: BENEFITS AND FINANCING""; ""SUMMARY""; ""BACKGROUND ON RETIREMENT PLAN DESIGN""; ""ELIGIBILITY AND BENEFIT AMOUNTS UNDER FERS AND CSRS""; ""RETIREMENT INCOME ADEQUACY""; ""THE THRIFT SAVINGS PLAN""; ""EMPLOYER AND EMPLOYEE CONTRIBUTIONS TO CSRS AND FERS""; ""FINANCING PENSION BENEFITS FOR FEDERAL EMPLOYEES""; ""APPENDIX. LEGISLATIVE PROPOSALS IN THE 112TH CONGRESS""

""Chapter 6: FEDERAL EMPLOYEES�RETIREMENT SYSTEM: THE ROLE OF THE THRIFT SAVINGS PLAN""""SUMMARY""; ""INTRODUCTION""; ""THE FERS BASIC RETIREMENT ANNUITY""; ""THE THRIFT SAVINGS PLAN""; ""ILLUSTRATIONS OF THE TSP�S ROLE IN PROVIDING RETIREMENT INCOME""; ""THE THRIFT SAVINGS PLAN ENHANCEMENT ACT OF 2009""; ""CONCLUSION""; ""APPENDIX. ADMINISTRATION OF THE THRIFT SAVINGS PLAN""; ""Chapter 7: RETIREMENT SECURITY: ANNUITIES WITH GUARANTEED LIFETIME WITHDRAWALS HAVE BOTH BENEFITS AND RISKS, BUT REGULATION VARIES ACROSS STATES""; ""ABBREVIATIONS""; ""WHY GAO DID THIS STUDY""; ""WHAT GAO FOUND""

""BACKGROUND""

Notes:

Description based upon print version of record.

Includes bibliographical references and index.

Description based on online resource; title from PDF title page (ebrary, viewed October 23, 2013).

ISBN:

1-62948-134-3

OCLC:

868963205