Tuesday, 16 October 2012

Pension obligation

A 2011 PBS and state pension plans, assuming an 8 percent rate of return to be used.

Education and training is a sound that, when interest rates are considered, the school teachers, firefighters, police officers and other public employees' pension benefits and future financial needs, spending billions of taxpayer dollars during the reign retired.

Financial staff in the provinces and municipalities' retirement benefits, the Pew Center on the States, a $ 2.3 trillion deficit and a $ 1 trillion to $ 3.3 trillion relative to the promised benefits expected estimated cost.

New York and Florida, Illinois and Kansas, according to Pew Center on the States pension fund, the fund must be less than 60% of funds varies widely.

Calculating the ratio of long-term liabilities for future pension obligations, however, is considered to play an important role in determining the taxpayer's liabilities.

Out of pocket expenses will be higher than the rate of low-income assumptions

Pension plan, the actuaries, the amount, their cities, countries, and to determine the fees to contribute to a pension system based on sufficient financial future obligations by re-lending.

Reduce the rate of current financial needs, will increase again. On the other hand, in order to meet future needs for high-current financial status is low. Through an industry estimate, each 1-point reduction in the current contribution rate of 10 percent assume.

They want to reduce the amount of contributions paid to the pension system and related artificial inflation rates, such as the investment return.

Rate of return of investment and retirement income plan

More important, pension plans, investment income, often accounts for a significant part of the project plan, calculate rates. Pension plan assets over current liabilities to retire in the future for financial speculation, there are no gaps - the amount of damage. The reason is to reduce the financial gaps rates, and other factors, the employers and employees contribute to the plan.



A sustained increase in the value of the U.S. stock market over the past decade, no. Moreover, consumers and governments in more debt accumulated over the past two decades, the relatively low bond rates have contributed to slower global growth. Responsible for an important part of the pension obligations. Pension actuaries (or state that they work), such as the investment rate will be higher than the actual income, but may be reluctant to cut interest rates by as much again.
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