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Journal articles on the topic 'Private pension scheme'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Adeyemo, Kabiru Aderemi. "New Pension Reform Act: A Re-Appraisal of some Issues of Concern." African Journal of Technology Policy Volume 4, No. 1, June 2008 (2008): 252–72. https://doi.org/10.5281/zenodo.10898083.

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Introduction Pension Schemes exit to provide post-retirement benefits to employees. Pension scheme was introduced into Nigeria during the Colonial era to provide old age income and security to British citizens working in the county upon retirement. Nigeria's first ever legislative instrument on Pension matters was the Pension Ordinance of 1951, which has retrospective effect from 1$ January, 1946. The National provident fund (NPF) scheme established in 1961 was the first legislation enacted to address pension matters of private organizations. It was followed 18 years later by the Pension Act N

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SCHMÄHL, WINFRIED. "Dismantling an Earnings-Related Social Pension Scheme: Germany's New Pension Policy." Journal of Social Policy 36, no. 2 (2007): 319–40. http://dx.doi.org/10.1017/s0047279406000626.

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A paradigm shift in pension policy decided by the German red–green coalition government will considerably affect the level and structure of pension benefits as well as the mix of public and private old-age security arrangements. The article starts with a brief outline of the pension schemes as they had been designed before the recent decisions, and with a few remarks on the reasons for current reform debates. The major measures of the 2001 Pension Reform are then described. The focus of the article is on the effects of the reform for (personal) income distribution and institutional design. A p

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Charmaille, J.-P., M. G. Clarke, J. Harding, et al. "Financial Management of the UK Pension Protection Fund." British Actuarial Journal 18, no. 2 (2013): 345–93. http://dx.doi.org/10.1017/s135732171200044x.

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AbstractThe UK Pension Protection Fund (PPF) was established in April 2005 to protect the pensions of members of UK private sector defined benefit pension schemes which have insufficient assets and whose corporate sponsor fails. The Fund takes over the pension scheme assets and assumes responsibility for the payment of compensation to the former members of the scheme. The PPF is funded by a levy on the population of eligible schemes. This paper discusses the application of Enterprise Risk Management principles and techniques to the unique situation of the PPF. The elements of the financial man

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De La Peña, J. Iñaki, M. Cristina Fernández-Ramos, and Asier Garayeta. "Cost-Free LTC Model Incorporated into Private Pension Schemes." International Journal of Environmental Research and Public Health 18, no. 5 (2021): 2268. http://dx.doi.org/10.3390/ijerph18052268.

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Long-term care coverage is not integrated into an individual’s retirement strategy. It is an additional public health service that is not considered into private pension funds. Nevertheless, this coverage is not sufficient due to the problems of financial sustainability of the public pension systems. However, there are large sums in pension plans dedicated to paying retirement pensions that can be transformed into support for long-term care coverage. This paper develops a mechanism of pension transformation through the different mortality of the beneficiary when becoming a dependent beneficiar

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Borzutzky, Silvia, and Mark Hyde. "Chile's private pension system at 35: impact and lessons." Journal of International and Comparative Social Policy 32, no. 1 (2016): 57–73. http://dx.doi.org/10.1080/21699763.2016.1148623.

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This paper provides an analysis of Chile's 35 year experience with defined contribution, fully funded pensions and argues that this pension approach should not be emulated by countries seeking to reduce the state role in the provision of pensions. The paper shows that 35 years of privatized pensions have led to a massive accumulation and concentration of capital and profits in the hands of the pension fund administrators and insufficient and unequal pensions for the retirees. This legacy of the Pinochet dictatorship has experienced marginal reforms after the transition to democracy. However, t

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Uzoamaka, Okechukwu, Elizabeth, Nebo, Gerald, and Eze, Jude. "Strategic Management of Pension Scheme in Selected Private Manufacturing Organizations in South Eastern Nigeria." European Scientific Journal, ESJ 12, no. 34 (2016): 338. http://dx.doi.org/10.19044/esj.2016.v12n34p338.

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Management of pension schemes in Nigeria has been characterized by multiple and diverse problems despite several modifications of the pension schemes by the government. The study examined the extent strategies adopted for pension management can enhance employees’ confidence in the scheme. The study adopted a survey design. The data were analyzed using tables, frequencies, and mean. Z- test was used to test the hypotheses at 0.05 significance. It was revealed that to a very large extent strategies adopted for pension and retirement management can enhance employees’ confidence in the management

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Iwasaki, Ichiro, and Kazuko Sato. "Private Pension Funds in Hungary." Acta Oeconomica 55, no. 3 (2005): 287–315. http://dx.doi.org/10.1556/aoecon.55.2005.3.3.

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The new pension system launched in Hungary in 1998 is epoch-making for having introduced a mandatory private pension scheme (MPPS). However, the political decision-making on pension reform and the scheme operations have been greatly influenced by conflicts of interests among ministries, political conflicts between parties, and the presence of special interest groups, including trade unions and financial institutions. This situation may have had a certain negative influence on the legal framework of the MPPS and on the management performance of private pension funds. In order for the MPPS to be

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GINN, JAY, and SARA ARBER. "Personal Pension Take-up in the 1990s in Relation to Position in the Labour Market." Journal of Social Policy 29, no. 2 (2000): 205–28. http://dx.doi.org/10.1017/s0047279400005924.

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Pension reform in Western societies has sought to shift the balance of provision towards the private sector. In Britain, the 1986 Social Security Act marked a watershed in privatisation by promoting personal pensions while cutting the value of the State Earnings Related Pension Scheme. The article assesses the effects of the Act, especially the different implications according to gender and position in the labour market. Data from the 1993/4 and 1994/5 General Household Surveys is used to examine the changing pension arrangements of employees. We distinguish between personal pension membership

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Haupt, Marlene. "Aktuelle Diskussionen zum Ausbau kapitalgedeckter Altersvorsorge als Ergänzung des Rentensystems." Wirtschaftsdienst 104, no. 2 (2024): 82–86. http://dx.doi.org/10.2478/wd-2024-0028.

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Abstract Germany faces complex challenges in ensuring adequate pensions and the financial sustainability of its pension system amid demographic aging, necessitating comprehensive reforms. The Focus Group on Private Pensions has proposed measures to reform the private Riester pension scheme, advocating, for example, the enhancement of simplicity, transparency and flexibility. Additionally, it has debated the introduction of a state-mandated fund. The German Council of Economic Experts has also proposed a state-mandated fund with automatic enrollment and an opt-out option. However, the proposal

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Appiah, Prince Ofosu. "The National Pensions Act, 2008 (Act 766) and Challeges of Pension Fund Administration in Ghana." Feb-Mar 2023, no. 32 (February 21, 2023): 1–12. http://dx.doi.org/10.55529/jls.32.1.12.

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The recent reformation in Ghana’s pensions space introduced the three-tier pension scheme underpinned by the National Pensions Act, 2008 (Act766) under the regulatory authority of the NPRA. Seeking to redress inherent challenges, the transformational shift effected by the former yielded the incorporation of private sector through inclusion of approved corporate trustees, fund managers, fund custodians and other service providers. However, despite the new scheme’s attenuation of key lapses and challenges of the previous regime, there still exist predicaments that are reflective of the later. By

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Wango, Nyagwegwe Chaulo. "Exploratory on the Social Capital and Private Saving Theories for Integration of Voluntary Contribution to Pension Scheme in Tanzania." European Journal of Development Studies 3, no. 3 (2023): 156–62. http://dx.doi.org/10.24018/ejdevelop.2023.3.3.283.

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The study reviewed two theories, namely Social Capital and Private Saving. Both explain the significance of voluntary contributions to the pension scheme. They used the approaches to offer insights into how voluntary contributions towards social security schemes are built up and their implication to informal sector actors. The study reviewed the social capital and private saving theories’ effect on voluntary pension scheme contributions. The two approaches were critically assessed on their relevance to voluntarily contributing to a pension scheme in Tanzania. They showed to embed important soc

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Iyer, Subramaniam. "Stochastic Actuarial Modelling of a Defined-Benefit Social Security Pension Scheme: An Analytical Approach." Annals of Actuarial Science 3, no. 1-2 (2008): 127–85. http://dx.doi.org/10.1017/s174849950000049x.

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ABSTRACTAmong the systems in place in different countries for the protection of the population against the long-term contingencies of old-age (or retirement), disability and death (or survivorship), defined-benefit social security pension schemes, i.e. social insurance pension schemes, by far predominate, despite the recent trend towards defined-contribution arrangements in social security reforms. Actuarial valuations of these schemes, unlike other branches of insurance, continue to be carried out almost exclusively on traditional, deterministic lines. Stochastic applications in this area, wh

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Booth, Philip, and Kristian Niemietz. "Changes in the Pension System: Lessons for Privatisation in the UK." Studies of Applied Economics 33, no. 3 (2020): 659–86. http://dx.doi.org/10.25115/eea.v33i3.3127.

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The present study makes a proposal for a pensions reform in the current retirement system in the United Kingdom. Taking into account the historical evolution of the pension system since the Second World War and the characteristics of the pay-as-you-go system (PAYG system) which was reinforced in the last ten years, we propose a new pension scheme based on voluntary private contributions made by each worker to provide her proper retirement and to complement the public pension.

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Wyper, Amanda. "Pensions Auto-Enrolment: Unintended Consequences of Regulation and Private Law Remedies." Edinburgh Law Review 21, no. 3 (2017): 352–75. http://dx.doi.org/10.3366/elr.2017.0434.

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The introduction of auto-enrolment (AE) into workplace pensions in 2012 requires employers to enrol workers into a pension. Employers have significant discretion in this process and rely on the financial services industry to ensure compliance with AE minimum standards. Employers may not always have pension expertise and will engage pension providers for advice on establishing compliant pension arrangements or modifying existing schemes to use for AE. Whilst this policy benefits many, there are a number of negative consequences flowing from the introduction of AE. Examples include employers cho

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15

TUESTA, DAVID. "Factors behind the administrative fees of private pension systems: an international analysis." Journal of Pension Economics and Finance 13, no. 1 (2013): 88–111. http://dx.doi.org/10.1017/s1474747213000322.

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AbstractThis work has three objectives: first, to provide a comprehensive review of administrative fees; second, to construct a comparative data set for 53 countries; and third, to perform an empirical analysis that highlights the main determinants of pension fees from a world-wide perspective. The paper provides an econometric analysis by using panel data techniques. It finds the greater statistical significance of market size, result that is reinforced by mandatory pension schemes. Other factors, such as structural country conditions, market's vertical integration and the presence of an occu

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Khmyz, O. "Recent Reforms of the Russian Pension System: pro et contra." Voprosy Ekonomiki, no. 12 (December 20, 2003): 56–67. http://dx.doi.org/10.32609/0042-8736-2003-12-56-67.

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Recent reforms of the general pension regime have gone a long way to ensuring a fair, equitable and transparent pension scheme, available to all workers younger than 45 years old. An adjustable formula relates pensions to the duration and level of contributions, and life-expectancy. It introduces some welcome flexibility to the system, as benefits are automatically adjusted for the effects of population ageing. Today the workers must choose a state or a private pension fund's management company. However, it is not clear whether recent reforms will be sufficient to ensure the long-term actuaria

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Salazar Guatibonza, Flor Esther. "Real Returns of Private Pension Funds in Colombia." Cuadernos de Administración 35, no. 63 (2019): 70–88. http://dx.doi.org/10.25100/cdea.v35i63.6139.

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On the performance of the private pensions system in Colombia, Individual Savings Regime with Solidarity - RAIs (per its acronym in Spanish), the results are often highlighted in terms of profitability; a thesis upheld by the fund Managers industry. In order to evaluate how significant the real returns generated by this scheme have actually been, from a database of daily transactions by the pension funds from 1995 to December 2016, and using the methodology established by the Superintendencia Financiera de Colombia (SFC-Financial Superintendence of Colombia) for the calculation of returns, was

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Huang, Wei, and Chuanchuan Zhang. "The Power of Social Pensions: Evidence from China's New Rural Pension Scheme." American Economic Journal: Applied Economics 13, no. 2 (2021): 179–205. http://dx.doi.org/10.1257/app.20170789.

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This paper utilizes the county-by-county rollout of China's New Rural Pension Scheme (NRPS) and finds that, among age-eligible people, the pension scheme leads to higher household income and food expenditure, less farmwork, better health, and lower mortality. In addition, the NRPS shifts age-ineligible adults from farmwork to nonfarmwork but does not significantly affect their income, expenditure, or health. No significant evidence shows that the NRPS affects private transfers or health behaviors. These findings provide relevant evidence of the impacts of social pensions on individual behavior

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Král, Jirí. "Impact of the Economic and Financial Crisis on the Pension System in the Czech Republic." Zeitschrift für Sozialreform 57, no. 3 (2011): 299–312. http://dx.doi.org/10.1515/zsr-2011-0306.

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This paper addresses the situation in the area of pensions in the Czech Republic up to spring 2011. It starts with a short description of the structure of the pension landscape that differs, for example, from neighbouring countries like Poland or Hungary. In addition to a mandatory public pension scheme there exist additional voluntary private pensions. To put the impact of the financial and economic crisis into a frame, some information is given on the developments before the crisis started, taking into account parametric changes decided upon in summer 2008. Thereafter the impact of the crisi

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Petraj, Ina. "Private Pensions (The Only Way to Increase Pensions System in Albania)." Interdisciplinary Journal of Research and Development 10, no. 1 S1 (2023): 193. http://dx.doi.org/10.56345/ijrdv10n1s128.

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The private pensions market, even though it is known as a relatively new market in Albania, its study and analysis takes on a very special importance as this market is directly related to the growth of pensions as a whole. In the doctrine of financial law, three main pillars are recognized for the way the pension scheme works today. The first pillar is a state insurance system of the pay-as-you-go principle. This system is based on the principle of solidarity and continuity of generations. The second pillar is a combination of the state system and the private one, where every insured person in

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Londar, Sergiy, Lidia Londar, and Ivan Gaiduk. "NON-STATE PENSION FUND SCHEME AS A FACTOR OF THE DEVELOPMENT OF HUMAN POTENTIAL IN UKRAINE." Educational Analytics of Ukraine, no. 1 (2022): 5–18. http://dx.doi.org/10.32987/2617-8532-2022-1-5-18.

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Approaches to measuring social development in society are summarized, inter alia, through the Human Development Index and its three pillars (health, education and well-being). An analysis of the possible social impact of private pension provision on human development was carried out. The relationship between indicators covering GDP per person, gross fixed capital formation (investment), selected components of the Human Development Index, the sum of private pension assets was analyzed to identify common trends for some of the world’s largest non-state pension funds and, by comparison, for Ukrai

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Londar, Sergiy, Lidia Londar, and Ivan Gaiduk. "NON-STATE PENSION FUND SCHEME AS A FACTOR OF THE DEVELOPMENT OF HUMAN POTENTIAL IN UKRAINE." Educational Analytics of Ukraine, no. 1 (2022): 5–18. http://dx.doi.org/10.32987/2617-8532-2022-1-5-18.

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Approaches to measuring social development in society are summarized, inter alia, through the Human Development Index and its three pillars (health, education and well-being). An analysis of the possible social impact of private pension provision on human development was carried out. The relationship between indicators covering GDP per person, gross fixed capital formation (investment), selected components of the Human Development Index, the sum of private pension assets was analyzed to identify common trends for some of the world’s largest non-state pension funds and, by comparison, for Ukrai

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RICCI, ORNELLA, and MASSIMO CARATELLI. "Financial literacy, trust and retirement planning." Journal of Pension Economics and Finance 16, no. 1 (2015): 43–64. http://dx.doi.org/10.1017/s1474747215000177.

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AbstractWe study the complex relationship between financial literacy, retirement planning and trust in financial institutions, using data from the 2010 Bank of Italy Survey on Household Income and Wealth. The impact of financial literacy on retirement planning is a well-established issue in the existing empirical literature; our main contribution is proving that financial knowledge not only impacts retirement planning, but also the decisions of entering a private pension scheme (or devoting the severance pay to a private pension scheme). Adding the consideration of trust poses serious economet

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Nijhof, Erik. "Pensions and Providence: Dutch Employers and the Creation of Funded Pension Schemes." Enterprise & Society 10, no. 2 (2009): 265–303. http://dx.doi.org/10.1017/s1467222700008016.

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From an international perspective, the Dutch system of old age provisions stands out for its wide coverage, fixed benefits, and an overall actuarial soundness that seem to make this system more shock proof to demographic shifts and economic adversities than those in other “Western” countries. Its actual foundation is a compulsory old age insurance for all citizens, enforced by law and implemented by the state; this insurance is supplemented by fully funded pension schemes for workers and employees, operating under legal control; and finally there is a variety of additional and noncompulsory pe

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Olugbenga, Ariyo Clement, Ezugwu Christian Ikechukwu, Okparaka Vincent Chukwuka, and Agbo Ishmael Umunnakwe. "Contributory Pension Scheme and Workers Investment in Nigeria." International Journal of Research and Innovation in Social Science VIII, no. IV (2024): 2230–42. http://dx.doi.org/10.47772/ijriss.2024.804149.

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The study investigated the relationship between contributory pension scheme and workers’ investment in Nigeria from 2007 to 2021. Specifically the study assessed the relationship between private sector contribution and workers’ investment in Nigeria; examined the relationship between public sector contribution and workers’ investment in Nigeria; and examined the relationship between total contribution and workers’ investment in Nigeria and also employed workers investment (WI) as independent variable while Private Sector Contribution (PRSC), Public Sector Contribution (PUSC), and Total Contrib

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Garcia, Maria Teresa Medeiros, Pedro Nuno Louro Silvestre Rodrigues, and Francisco Nunes. "Private Saving Determinants in Portugal." Mediterranean Journal of Social Sciences 10, no. 2 (2019): 57–68. http://dx.doi.org/10.2478/mjss-2019-0023.

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Abstract The combination of projected increases in the expenditure of the public pension scheme and low rates of private saving constitutes a policy challenge in Portugal. Policy debate embrace pension reform and the redoubling of household saving efforts. The purpose of this paper is to revisit the determinants of household saving in order to inform the debate with research findings, employing a constructed public pension wealth variable in a life cycle consumption/saving model pioneered by Feldstein (1974). We use time series techniques and data from 1983 to 2012. The findings show that an i

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CHOI, YOUNG-JUN. "Transformations in economic security during old age in Korea: the implications for public-pension reform." Ageing and Society 26, no. 4 (2006): 549–65. http://dx.doi.org/10.1017/s0144686x06004879.

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The South Korean National Pension scheme was instituted in 1988 and now covers all private-sector employees and the self-employed. Since the financial crisis of 1997, however, it has become controversial and is under considerable pressure, not least because of the perceived financial implications of the country's rapidly ageing population. Predictions of financial shortfalls or ‘unsustainability’ have prompted calls for severe ‘downsizing’ of the scheme. The debate on the reform of the scheme has been dominated by the need to respond to demographic change in ways that assist the national econo

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Dobre-Baron, Oana. "Pension rights of Valea Jiului mining companies’ clerks through the privately administered pension house." MATEC Web of Conferences 342 (2021): 08005. http://dx.doi.org/10.1051/matecconf/202134208005.

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Since their founding at the end of the XIXth century, the mining companies that have extracted coal in the Jiu Valley have tried to guarantee, though a private system of social security, pension rights for all of its employees, workers as well as clerks. This private system of social security would perpetuate itself, in the case of clerks working for Valea Jiului mining companies, though the interwar years up to the instauration of the Communist regime, when another pension scheme was established for those employees in the workforce. In this study we will seek to uncover the way in which these

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CHEN, DAMIAAN H. J., ROEL M. W. J. BEETSMA, EDUARD H. M. PONDS, and WARD E. ROMP. "Intergenerational risk-sharing through funded pensions and public debt." Journal of Pension Economics and Finance 15, no. 2 (2014): 127–59. http://dx.doi.org/10.1017/s1474747214000365.

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AbstractWe explore the benefits of intergenerational risk-sharing through both private funded pensions and via the public debt. We use a multi-period overlapping generation model with a pay-as-you-go pension pillar, a funded pension pillar and a government. Shocks are smoothed via the public debt and variations in the indexation of pension entitlements and pension contributions. The intensity of these adjustments increases when the pension funding ratio or public debt gets closer to their boundaries. The best-performing pension arrangement is a hybrid funded scheme in which both contributions

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Laurell, Asa Cristina. "The Mexican Social Security Counterreform: Pensions for Profit." International Journal of Health Services 29, no. 2 (1999): 371–91. http://dx.doi.org/10.1177/002073149902900201.

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The social security counterreform, initiated in 1997, forms part of the neoliberal reorganization of Mexican society. The reform implies a profound change in the guiding principles of social security, as the public model based on integrality, solidarity, and redistribution is replaced by a model based on private administration of funds and services, individualization of entitlement, and reduction of rights. Its economic purpose is to move social services and benefits into the direct sphere of private capital accumulation. Although these changes will involve the whole social security system—old

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Hassan, Kamal Halili, Rohani Abdul Rahim, Fariza Ahmad, Tengku Noor Azira Tengku Zainuddin, Rooshida Rahim Merican, and Siti Kholijah Bahari. "Retirement Planning Behaviour of Working Individuals and Legal Proposition for New Pension System in Malaysia." Journal of Politics and Law 9, no. 4 (2016): 43. http://dx.doi.org/10.5539/jpl.v9n4p43.

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<p class="MsoNormal" style="text-align: justify;">Problems have been identified pertaining to retirement scheme of the private sector employees in Malaysia where there is no legislated pension system in force. As a result of that, pension scheme and savings are more of a voluntary basis; although the principle is good but in practice many retirees suffer financially during their retirement. The objectives of this study are to examine factors contributing to individual’s retirement planning behavior and the private pension system in the private sector in Malaysia. Retirement planning beha

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Kolodiziev, Oleh, Наnna Telnova, Ihor Krupka, Myroslav Kulchytskyy, and Iryna Sochynska-Sybirtseva. "Pension assets as an investment in economic growth: The case of post-socialist countries and Ukraine." Investment Management and Financial Innovations 18, no. 3 (2021): 166–74. http://dx.doi.org/10.21511/imfi.18(3).2021.15.

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Post-socialist governments are looking for the best options to implement a fully funded pension system along with a pay-as-you-earn pension scheme. The paper aims to establish the impact of pension assets on economic growth using the example of post-socialist countries (Hungary, the Slovak Republic, Slovenia, Poland, and the Czech Republic). The use of methods of correlation and regression analysis allows determining the type of dependence (linear, exponential, gradual, and logarithmic) of countries’ economic growth indicators on pension assets and patterns for their investment (deposits, secu

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Ratcliffe, Mike. "Private sector contractors in a public service pension scheme." Pensions: An International Journal 5, no. 3 (2000): 233–42. http://dx.doi.org/10.1057/palgrave.pm.5940126.

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Dumiter, Florin Cornel, Ștefania Amalia Jimon, and Nicolae Balteș. "Macroeconomic Impact of Pension System Upon Private Pension Funds Scheme. Empirical Evidence from Central and Eastern European Countries." Studia Universitatis „Vasile Goldis” Arad – Economics Series 31, no. 2 (2021): 1–19. http://dx.doi.org/10.2478/sues-2021-0006.

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Abstract The significance of retirement savings and private pension funds increased in the latest decades and gathered important amounts of capitals. The purpose of this paper is to investigate the macroeconomic effects of pension systems from an investment perspective in five Central and Eastern European countries. The analyzing process regarding several underlying macroeconomic effects of pension systems started from the premises that there is a strong connection between the structure of pension systems, the national economy and the development of the financial sector. The econometric tests

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Okoh, Patricia Ayaegbunem. "CONTRIBUTORY PENSION SCHEME: PANACEA FOR RETIREMENT WOES IN NIGERIA." Nigeria Journal of Home Economics (ISSN: 2782-8131) 10, no. 7 (2022): 122–27. http://dx.doi.org/10.61868/njhe.v10i7.156.

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Pension management in Nigeria seems to have assumed a serious concern to the citizenry especially retirees. Over the years, funding has been the major challenge that successive government had had to grapple with. This creates avoidable problems to retirees especially, government employees, whose pension entitlements are delayed or not paid at all before they die. This resulted in the introduction of Contributary pension scheme in 2004. Part of the reason for introduction of the scheme is to resolve the issues of paucity of funds, fraud and other governance issues that dogged the Defined Benefi

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Pokorný, Jan, and Pavlína Hejduková. "Fondová schémata jako možná řešení finanční udržitelnosti dánského penzijního systému." Trendy v podnikání 10, no. 4 (2021): 49–60. http://dx.doi.org/10.24132/jbt.2020.10.4.49_60.

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The financial sustainability of pension systems is one of the crucial topics in the context of population aging. The issue of financial sustainability is primarily associated with public unfunded pension schemes, where there is an increase in future expenditures and a reduction in income due to the demographic structure. A possible solution to this problem is represented by the introduction of fund schemes into the design of the pension system which is recommended by the World Bank. But it brings certain risks for pension systems. An example of the implementation is Denmark, where the public f

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Attanasio, Orazio P., and Susann Rohwedder. "Pension Wealth and Household Saving: Evidence from Pension Reforms in the United Kingdom." American Economic Review 93, no. 5 (2003): 1499–521. http://dx.doi.org/10.1257/000282803322655419.

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Using three major U.K. pension reforms as natural experiments we investigate the relationship between pension saving and discretionary private savings. Unlike most differences-in-differences approaches which rely on average differences between control and treatment group, we use economic theory to model the response of each individual household. The empirical analysis, based on the Family Expenditure Survey, uses both time-series and cross-sectional variation to identify the behavioral response. The earnings-related tier of the pension scheme is found to have a negative impact on private savin

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Vijaya, Kittu Manda, and Pravalika Yelagandula. "The Indian National Pension Scheme (NPS): A Retirement System that got even better." GITAM Journal of Management 19, no. 4 (2021): 18–30. https://doi.org/10.5281/zenodo.7338786.

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In the age of Governments no longer providing formal social security post-retirement, individuals now have an increased need to build their retirement corpus. The Pension Fund Regulatory Development Authority (PFRDA) regulates India's National Pension Scheme (NPS) – a formal contributory pension system introduced in early 2000. The NPS is well designed and has a robust framework. Over the years, active regulation made the product more robust. NPS now allows individual Indian citizens (and not just Government or private sector employees) to subscribe and build their retirement corpus.

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Cribb, Jonathan, and Carl Emmerson. "What happens to workplace pension saving when employers are obliged to enrol employees automatically?" International Tax and Public Finance 27, no. 3 (2019): 664–93. http://dx.doi.org/10.1007/s10797-019-09565-6.

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Abstract We examine the effect of obliging employers to enrol employees automatically into a workplace pension scheme. We exploit the phased roll-out of automatic enrolment, by employer size, in the first country to do so nationwide (the UK), to estimate its effect on pension saving among private sector employees. We find substantial increases in pension participation and a rise in pension saving. Surprisingly, many newly enrolled employees received an employer contribution substantially above the (very low) minimum default level. Automatic enrolment also caused the pension participation of th

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Clifford, J. "Investment--can private trustees learn anything from pension scheme trustees?" Trusts & Trustees 15, no. 7 (2009): 611–18. http://dx.doi.org/10.1093/tandt/ttp072.

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Werding, Martin. "One pillar crumbling, the others too short: old-age provision in Germany." National Institute Economic Review 237 (August 2016): R13—R21. http://dx.doi.org/10.1177/002795011623700112.

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Responding to the challenges of demographic ageing, the German system of old-age provision has undergone substantial changes during the past two decades and is in fact still under reconstruction. Benefit levels deriving from the public pay-as-you-go scheme will decline until 2060, while contribution rates may still go up substantially. Additional cover from private or occupational pension schemes is urgently needed. Thus far, steps in this direction have been half-hearted. The continuing crisis in financial markets and a more profound distrust in financial institutions and market-based instrum

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Odiwuor, Calvine, and Joshua Were. "MODERNIZING PENSION FUND CONTRIBUTION." American Journal of Statistics and Actuarial Sciences 3, no. 1 (2021): 1–6. http://dx.doi.org/10.47672/ajsas.844.

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Purpose: The purpose of this research is to develop a pension model which uses mobile phone technology to facilitate contribution towards the user's pension scheme. Methodology: The entry age pension funding method, and annuity present value & accumulations methods are used to come up with the contribution rate and the actuarial liability for the model. Findings: The model developed is independent of salary or any other income and only takes into consideration those legally registered to use mobile phone. Being a private pension plan, and the fact that it involves the member directly via a

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Dundure, Evija, and Biruta Sloka. "Tax Incentives as a Part of Governments’ Applied Mechanisms for the Third Pension Pillar in Estonia, Latvia, and Lithuania." European Integration Studies 1, no. 14 (2020): 146–55. http://dx.doi.org/10.5755/j01.eis.1.14.26379.

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The main objective of the improvements to public pension systems is to create a balanced three-pillar pension structure and increase public accountability for pension capital formation. Most pension systems are based on the first two pension system pillars – mandatory contributions in the state compulsory unfunded pension scheme and the state-funded or accumulated pension scheme in pension funds. However, the pension level adequacy has been reached by adding the third pension system pillar - voluntary investments in private pension funds. Governments are private pension system policymakers by

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Bayero, University Journal of Finance. "An Analysis of Nigeria's Pension Industry: Growth, Challenges, and Resilience from 2008 to 2020." Bayero University Journal of Finance 1, no. 1 (2024): 17–29. https://doi.org/10.5281/zenodo.15157906.

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<strong>Abstract</strong> This study provides an analysis of Nigeria's pension industry from 2008 to 2020, utilizing data obtained from the National Pension Commission (PenCom). It examines the growth and challenges of retirement savings account registration, pension operators, contributions, assets, and fund portfolio administration in the country. The data for this study, spanning 2008 to 2020, was sourced from the annual reports of PenCom, and a descriptive research design was employed to analyze the growth, challenges, and resilience of the Nigerian Pension Industry during this period

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Wango, Nyagwegwe Chaulo. "Extension of the Pension Scheme Coverage to Informal Groups: A Case of Fishing Groups in Tanzania." European Journal of Development Studies 3, no. 3 (2023): 57–63. http://dx.doi.org/10.24018/ejdevelop.2023.3.3.251.

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The study investigates fishermen’s perceptions toward contribution to the pension scheme. It explores conditions that examine the influence of the fishermen on voluntary donations to a pension scheme through informal social organisations. In Dar Es Salaam, informal economy workers operate to provide protection, particularly given their vulnerability and income insecurities. Qualitative techniques were used to collect data through interviews with informal economy actors involving fishermen operations in Dar es Salaam. Furthermore, the National Social Security Fund (NSSF) was interviewed. The st

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Świecka, Beata, Patrycja Kowalczyk-Rólczyńska, Sylwia Pieńkowska-Kamieniecka, Jakub Śledziowski, and Paweł Terefenko. "The Influence of Factors in Consumer Sustainable Auto-Enrolment Pensions." Sustainability 17, no. 3 (2025): 1340. https://doi.org/10.3390/su17031340.

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As pension benefits from statutory public schemes become less generous, and many countries face pension-savings crises, the willingness to participate in supplementary retirement saving instruments becomes crucial for sustainable financial well-being. The main objective of this article is to present how trust and financial literacy influence the choice of sustainable auto-enrolment pension scheme as a private and supplementary pension savings. The study highlighted factors influencing participation in auto-enrollment and private supplementary pension savings. The study focuses mainly on financ

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Yildiz, Yilmaz, Ozgur Arslan-Ayaydin, and Mehmet Baha Karan. "Payment Persistence of Participants in Turkish Private Pension Scheme and Gender Differences." International Journal of Economics and Finance 8, no. 10 (2016): 159. http://dx.doi.org/10.5539/ijef.v8n10p159.

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<p>By considering the gender differences, this paper investigates the impacts of socioeconomic and demographic attributes on the persistence of individuals’ payments to their own private pension schemes. With separating the individuals according to their genders, we study totally 6,025 participants from 2004 to 2012. For men, it is found that amount of payment, age, marital status, education, being located in the industrial and financial center of Turkey, higher risk tolerance and total period remained in the system are all positively associated with the likelihood of being a persistent

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Brandt, Ulrich, Dagmar Zanker, and Dina Frommert. "Financial Crisis, Confidence in Financial Markets and Participation in Private Pension Plans in Germany." Socialinė teorija, empirija, politika ir praktika 29 (July 3, 2024): 8–22. http://dx.doi.org/10.15388/stepp.2024.29.1.

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The financial crisis of 2008/2009 has not only left its mark on the value of retirement savings, but also on savings and investment behaviour. It has led to a loss of confidence in financial markets and its main protagonists. However, trust is a key mechanism for savings and investment decisions. We illustrate the loss of trust by looking at the number of pension plans purchased in the years following the financial crisis. The paper is based on data of the study on ‘Life courses and old-age provisions’ (LeA, Lebensverläufe und Altersvorsorge). The data was gathered in 2016 and provides informa

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Kompa, Krzysztof, and Dorota Witkowska. "Pension System in Poland: Performance of Pension Funds." Studies of Applied Economics 33, no. 3 (2020): 965–84. http://dx.doi.org/10.25115/eea.v33i3.3142.

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The significant increase of the old-age-dependency ratio in Poland after the collapse of the centrally planned economy required transformation of the retirement system to adopt it to the current situation. Therefore the essential reform of the pension system in Poland took place in 1999, when the one-pillar – pay as you go system was replaced by the three-pillars system consisting of mandatory, pay-as-you-go pillar; mandatory, fully funded pillar; and voluntary, funded pillar. However problems concerning budget deficit in Poland caused that the Polish government introduced essential changes co

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Duke, Otu, Bassey Anam, Felix Okorn, Virginia Ironbar, Bisong Bisong, and Esther Uzoh. "Pension Administration in the Nigerian Public Sector: Challenges and Prospects for Improved Service Delivery." International Journal of Entrepreneurial Development, Education and Science Research 8, no. 1 (2024): 290–307. http://dx.doi.org/10.48028/iiprds/ijedesr.v8.i1.15.

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Nigeria's pension system has undergone significant transformations since its inception in 1951. Initially plagued with malpractices, budgetary issues, weak administration, and a lack of accountability, the system has evolved into a defined contribution scheme for both public and private sector employers and employees. In 2004, the Federal Government enacted the Pension Reform Act 2004 (“PRA 2004”), instituting the Defined Contributory Pension Scheme (“CPS”) and establishing the National Pension Commission (the “Commission”) as the regulatory authority. Additionally, stakeholders such as Pensio

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