The UK pension landscape is undergoing a transformation. Automatic enrolment will result in millions of people saving for their retirement for the first time. We will see employers taking on new duties to enrol their workers into a pension and contribute to this scheme. Membership of defined contribution (DC) pension schemes will also increase. But the onset of automatic enrolment and the changing pension landscape also brings challenges. To successfully achieve a cultural shift so that pension saving becomes the norm, we need to make sure that money put into pension saving stays there. The short-service refund rules for DC occupational pension schemes work against this principle. It is therefore planned to abolish these rules retain £70 - 130 million per year in pension saving. This will hopefully happen as soon as 2014 provided it is possible to implement an accompanying solution for small pension pot transfers at the same time. This paper presents three broad approaches to initiate debate about how best to address the problem of small pension pots: relatively minor changes to the current voluntary transfer system; automatic consolidation of small pensions in an aggregator scheme; and pensions automatically moving with people from job to job.

Vols. for 1910-56 include convention proceedings of various insurance organizations.

Explores the potential benefits of a government-independent, democratized Social Security system to support dependents suffering from the reduction of other government benefits.

Fearful of large refugee flows, and the possible spillover of ethnic violence into other Balkan countries, the international community has become increasingly involved in trying to negotiate a peaceful settlement in the Kosovo crisis. Thus far, however, the lack of international community resolve to present a common position, and the intransigence of both the Serbian and Kosovar parties, has enabled the belligerent leaders to manipulate the situation. This thesis will explore Serbian and Kosovar historical national identities and their development, and the modern nationalist movements in the region and their leaders. Finally, the utility of the current leaders and levers that may be used by the international community to pressure or influence them will be evaluated. Presenting policy options and analysis for conflict resolution without the use of peacekeeping military forces, this thesis highlights the most feasible options which allow for U.S. and international community involvement, while enabling the Serbs and Kosovars to solve the crisis in a way that is amenable to both parties and will bring long-term stability to the region.

As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.