l****z
发帖数: 29846 | 1 Déjà Vu Pension Woes
Going into debt to fund pensions seems like a ridiculous thing to do,
especially for a company had a chance to shed more of those pension
obligations in bankruptcy.
Please consider the Wall Street Journal story GM Wants to Up Credit Line
General Motors Co. is in preliminary talks with banks to potentially
double its $5 billion line of credit as the auto maker looks to strengthen
its balance sheet and shrink pension obligations, according to people with
knowledge of the d... 阅读全帖 |
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b*x
发帖数: 5456 | 2 Illinois Pension Blowup
State judges tell taxpayers to pay for political-union failure.
Public servants join Illinois AFL-CIO members during a pension rally at the
State Capitol in Springfield, Ill., in 2011. ENLARGE
Public servants join Illinois AFL-CIO members during a pension rally at the
State Capitol in Springfield, Ill., in 2011. PHOTO: SETH PERLMAN/ASSOCIATED
PRESS
May 8, 2015 6:44 p.m. ET
588 COMMENTS
The Constitution is not a suicide pact—except maybe in Illinois. On Friday
the Illinois... 阅读全帖 |
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w***t
发帖数: 8175 | 3 (Reuters) - Less than two years after exiting bankruptcy, the city of
Vallejo, California, is again facing a budget crisis as soaring pension
costs, which were left untouched in the bankruptcy reorganization, eat up an
ever-growing share of tax revenues.
Vallejo's plight, so soon after bankruptcy, is an object lesson for three U.
S. cities going through that process today - Detroit, Stockton and San
Bernardino, California - because it shows the importance of dealing with
pension obligations as p... 阅读全帖 |
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a*****b
发帖数: 2789 | 4 annuity算是life insurance的一种，个人认为是self-funded（当然不是自己管理
asset，要么是insurance company要么是asset management firm)的复杂pension版本,
payout比pension灵活，VA的话还有很多rider，行内的人都说像fashion show一样一两
年内就淘汰一批出一批新的。annuity算是比较新的产品，各个大保险公司都在竞争市
场，开发产品，建立不同的模型，所以有不少发展潜力。pension可以看成是employer
funded的fixed annuity，当然也有其他payout方式。pension属于retirement plan的
一种，现在还有dc（又包括很多子类）和hybrid plan等等。做DC的话就不是走精算的路了，可以参见ASPPA的网站。
说pension不好是因为pension很成熟，都几十年的东西了，修补很少（虽然06年有PPA
），个人发挥余地很少。pension还有个问题是大公司都在把pension逐渐转成其他
retirement plan，比如401之类... 阅读全帖 |
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a*****b
发帖数: 2789 | 5 annuity算是life insurance的一种，个人认为是self-funded（当然不是自己管理
asset，要么是insurance company要么是asset management firm)的复杂pension版本,
payout比pension灵活，VA的话还有很多rider，行内的人都说像fashion show一样一两
年内就淘汰一批出一批新的。annuity算是比较新的产品，各个大保险公司都在竞争市
场，开发产品，建立不同的模型，所以有不少发展潜力。pension可以看成是employer
funded的fixed annuity，当然也有其他payout方式。pension属于retirement plan的
一种，现在还有dc（又包括很多子类）和hybrid plan等等。做DC的话就不是走精算的路了，可以参见ASPPA的网站。
说pension不好是因为pension很成熟，都几十年的东西了，修补很少（虽然06年有PPA
），个人发挥余地很少。pension还有个问题是大公司都在把pension逐渐转成其他
retirement plan，比如401之类... 阅读全帖 |
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M*****y
发帖数: 601 | 6 Final Update: Ever since I started job hunting in the middle of June Gloom,
until now, it's been almost two month. The good news I'd like to share - I
found a job!
先统计一个大概－ 从6月20号发的第一份resume，一直到七月23号发的最后一份resume
共计是43份。Buck＝10，Liberty Mutual=4，TW＝5，All State／ISO／eSurance＝5，
Prudential＝1，PacificLife＝1， NY Life＝2，Deloitte／Hanover／Milliman＝3，
其它中小行pension firm 向Rael Letson，Pensys，IPD，Actuarial Consulting
Service， etc ＝ 10，剩余的其它是misc的别的跟精算有关的公司。apply了这么多，
大部分的不在加洲。其实我也一直没奢望能待在加洲。毕竟，现在career developm... 阅读全帖 |
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g******4
发帖数: 6339 | 7 推荐, 推荐
推荐总可以 ba !!
=====================
伊利诺伊州的政府员工福利是这样的：雇员不交社保，今后也不享受联邦政府支持的社
保福利。工资的8%交给州政府的pension系统。州政府 match工资的8%。工作满5年，这
个match-up就是你的了。少于5年，你拿不到这个match-up，它进入pension系统，让在
这个系统里的人受益。你工作满五年，但在退休之前离开，你可以选择把钱rollover到
你的别的退休账户，也可以留在pension里面。pension系统的投资管理是州政府招聘的
职业管理人员。。投资的return有一个复杂的计算公司，基本是和SP500 index的投资
平均回报看齐，起伏不大，从7%到10%。另外，所有员工要交medicare。
在这个系统里干满20年，可以55岁退休。退休后的健康保险按在职员工对待。pension
的数量有两种计算方式：一是取最高工资的四年的平均值乘以60%（25年服务是70%，30
年及以上是80%）；二是按你退休时你账户里有多少钱来决定。这个和你买年金一样，
也是假定一个return，考虑退休的... 阅读全帖 |
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l****z
发帖数: 29846 | 8 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: 伊州共和党州长要对pension大改革, 密西根已有了先例
发信站: BBS 未名空间站 (Fri Apr 10 15:41:57 2015, 美东)
Rauner Seeks Insurance Program Changes for Illinois Retirees; Michigan
Changes Upheld in 6-0 State Supreme Court Decision
Illinois state pension and retirement plans are in dire straits. The only
way to fix the problems is with plan changes.
Michigan did that in 2012. And in a 6-0 decision yesterday, the Detroit Free
Press reported the Michigan Supreme Court, r... 阅读全帖 |
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s*********8
发帖数: 901 | 9 Scandal-plagued Rep. David Wu, D-Ore., will be leaving the House eligible to
draw a lucrative congressional pension totaling almost $900,000.
First elected to Congress in 1998, Wu's benefits could add up over the rest
of his life to an estimated $851,000 based solely on his congressional
service—or $891,000 if another year of possible qualifying service as a
clerk with the federal judiciary is included.
Already, the 56-year-old lawmaker qualifies for an immediate annual pension
of about $23,871 ... 阅读全帖 |
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l****z
发帖数: 29846 | 10 By: John Hayward
8/7/2012 09:19 AM
Matthew Boyle of the Daily Caller reports that internal emails show Treasury
Secretary Tim Geithner was “the driving force” behind terminating the
pensions of 20,000 non-union retirees from the Delphi auto parts
manufacturing company, as part of the government’s bailout plan for General
Motors. Union workers, on the other hand, “saw their pensions topped off
and made whole.”
This decision was supposed to be made by the independent Pension Benefit
Guaranty ... 阅读全帖 |
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l****z
发帖数: 29846 | 11 by Rick aka Mr. Brutally Honest
Remember when the President said this during the debate:
"I don't look at my pension. It's not as big as yours so it doesn't take
as long. I don't check it that often."
Here's the truth:
As president, he will receive $191,300 annually for life — win or lose
in next month's election — and receives a travel allotment as well as
mailing privileges. Should Obama lose, his presidential pension kicks in
immediately after leaving office.
Given that the presid... 阅读全帖 |
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l****z
发帖数: 29846 | 12 Rauner Seeks Insurance Program Changes for Illinois Retirees; Michigan
Changes Upheld in 6-0 State Supreme Court Decision
Illinois state pension and retirement plans are in dire straits. The only
way to fix the problems is with plan changes.
Michigan did that in 2012. And in a 6-0 decision yesterday, the Detroit Free
Press reported the Michigan Supreme Court, rejected arguments from unions,
and upheld the 2012 state law requiring teachers to put more of their pay
toward their pension plans or fa... 阅读全帖 |
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k********8
发帖数: 7948 | 14 http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/09/30/blo
(Updates with latest market moves in sixth paragraph.)
World's Biggest Pension to Start Emerging Stocks Investment
Sept. 30 (Bloomberg) -- Japan's public pension fund, the world's largest,
will start investing in emerging market stocks by the end of the year as it
diversifies assets to maintain stable returns.
The Government Pension Investment Fund, which oversees 114 trillion yen ($1.
5 trillion), is in the final stage of deciding ... 阅读全帖 |
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g******4
发帖数: 6339 | 15
CHICAGO (FOX 32 News) -
The latest battle over Illinois pension reform is expected to come to a head
on Tuesday in Springfield. Governor Quinn and legislative leaders are
pushing hard for a "yes" vote. Meanwhile, opponents have been working to
drum up opposition, including having retirees flood lawmakers offices before
the vote. The outcome is still up in the air.
State Senator Daniel Biss, from Chicago's North Shore, is one of ten
legislators appointed last June to a special committee to come ... 阅读全帖 |
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l**k
发帖数: 45267 | 16 当然不是一个原理。你们这个pension是你们公司自己负责，公共服务部门的pension资
金池要纳税人填的，而且他们的pension标准比你这高多了。我LD以前在州政府实习，
那里的正式员工只要干15年就有拿pension的资格，干25年以上好像pension标准是离职
前5年最高年薪的70％，你跟他们比，就一苦力 |
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G***s
发帖数: 739 | 17 Just saw a message asking about UC pension in the UMich vs Davis thread.
Anyway is still a defined benefit one.
There are three tiers now:
1976 Tier:
Minimum retirement age 50, max 60 (age factor reaching 2.5)
Highest age factor 2.5=your highest pension can be equal to 100% of your
highest 3 year average IF you work 40 years in the system.
Full medical contribution for life after 20 years of service.
Lump sum distribution option for pension.
2013 tier:
Min age 55, max 65. for both pension and me... 阅读全帖 |
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D*****t
发帖数: 558 | 18 Pension is a difined benefit retirement plan, meaning the benefit payment to
the retiree is defined by the plan. As such, the pension is fully
responsible for investment and payout. Investment risk falls solely on the
pension, not the investor. ( consider social security a giant national
pension) 401 k is a defined contribution plan, where the contribution by the
employee wnd employer is defined. It is a self managed plan by investors,
who bear the investment risk fully.
Companies sponsoring Tra... 阅读全帖 |
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b********t
发帖数: 1500 | 19 也有可能是公司白送
我上次被裁员 作不满三年
理论上pension 没有vest 但是公司送信来说
因为裁员 所以被裁的人pension 白送
可以拿走或是等到以后领钱
我自己是领出来放IRA
请楼主找个公司 像是fidelity 开个no fee 传统IRA
然后打个电话问问管pension的部门
什么时候pension 可以结算 请上个公司用direct rollover方式结算pension
这个pension就可以转到自己的IRA里面 不用被抽税
也可以自己管理投资策略
以后再换公司 老公司的401K 都可以用direct rollover的方式
转进去自己的IRA里面带走
direct rollover 的细节 可以问开IRA的财务公司
他们都有专员帮你解释步骤和税务问题 |
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g******4
发帖数: 6339 | 20 Saturday, December 11, 2010 12:56 PM
Mayor Daley is begging Governor Quinn for pension reform.
Quinn now has on his desk a bill that would allow state to withhold sales
tax and income tax revenue from cities that won't do more to fund their
pension plans.
Property taxes will have to go up for cities to meet their pension
obligations and that is on top of a massive income tax hike that governor
Quinn campaigned for.
......
"I’m one who believes that pension funds can go bankrupt and then you
reor... 阅读全帖 |
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g******4
发帖数: 6339 | 21 Quinn said decades of poor decisions have left the state's government
pension systems in a mess. The pension funds for public school teachers and
other state workers are about $83 billion short of the money they'll
eventually need to pay out. Each year, Illinois must pay more to help close
that shortfall, eating up scarce state dollars.
"We must repair this broken system and we must do it now," Quinn said.
But he did not spell out a plan. Instead, he said a "pension working group"
will study the... 阅读全帖 |
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g******4
发帖数: 6339 | 22 Quinn said. “We want to keep building things in Illinois – our roads, our
bridges, our schools. In order to do that, we have to issue bonds, and if
our bond rating is reduced again – our credit rating is reduced – we may
not be able to do what we want to do.”
Moody’s Investors Service has warned the state’s credit rating could be
downgraded again if there is no movement soon on the pension situation.
The state has $96 billion in unfunded pension debt.
The new General Assembly is sworn-in on Jan.... 阅读全帖 |
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g******4
发帖数: 6339 | 23
Gov. Pat Quinn and Mayor Rahm Emanuel say it’s unfair for Chicago property
owners to pay, not only city teacher pensions, but also pay teacher
retirement benefits of suburban and downstate educators.
Rising pension costs and underfunded pensions, the result of decades of
unrealistic politicians’ promises, coupled with underfunding – this year
funding only 60% of the TRS - threaten to reduce state and city budgets for
almost every other expenditure.
Some suggested solutions to reform teacher pen... 阅读全帖 |
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m*********D
发帖数: 1727 | 24 SS不一样，不仅仅是法律的问题，还因为它是一个全民系统，后果也是全民承担。而IL
pension系统是全民的责任，州政府员工来承担，不fair是显而易见的。
也没有那么难解决。真的和过去四年那样，income 5% 增加的税收指定给pension系统
，而布什挪作他用，来个20年估计就足够了。现在的计算是110B的窟窿，这是
projection，是将来的liability。其实政府早年每年都把matchup到位，不会有今天这
么大的窟窿的。很多pension之所以换成个人负责的401K,一个根本问题就是pension违
背了人性。IL的pension,一个对政府（纳税人）和政府员工都有好处的系统，就这么别
政客们玩不下去了。
这里有篇很好的分析文章，就是太长：Illinois Pension Clash Raises Question:
Who Raises Taxes, Lawmakers Or The Courts?
http://www.forbes.com/sites/danielfisher/2015/05/13/illinois-pe
raise
has |
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n*********e
发帖数: 110 | 25 最近和一些朋友聊了一下，感觉hedge fund 其实不如pension fund啊。 虽然名义上
hedge fund 收入好像多一点，但是考虑到其他因素好像pension fund要好很多。
首先，年龄因素。过了50岁在hedge fund混就比较难了，即使老板不踢人，自己精力
也渐渐不行了，感觉很难在这行混到退休。 如果50多岁被裁，感觉那时会很尴尬
，高不成低不就的。
其次，hedge fund 一般都没什么benefit， 干巴巴的工资。我算了一下，一般pension
fund之类的职位20年左右下来在退休时每年至少可以拿10万左右的pension，在hedge
fund干的只有自己存退休金。
最后，pension fund的活轻松多了吧？hedge fund 的压力山大，生活质量差远了。
我现在的结论是，相同的职位：
pension fund > mutual fund == bank > hedge fund
请教各位大牛们的意见如何？ |
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k******1
发帖数: 1393 | 26 你要是没有在美国工作过那跟你讲清楚退休金还真不容易。pension和401k是各有利弊
。举个例子说吧，如果你工作稳定，工作单位坚挺（政府部门），工资不高，一辈子不
换工作，身体健康，老婆年轻又健康（比你能多活很多年），pension当然是更好的选
择。不过还是有pension到时候入不敷出，被迫推迟发钱年龄甚至减少数额的风险。如
果工资高，工作更换概率大，预期年龄难以估计，则401k是更好的选择。
另外不是所有的单位都可以选择pension还是401k的，如果可以选择DB和DC，则DC一定
有match.比如大学，以uiuc为例，DC和DB学校的match差不多，好像DB多1%。所以你所
谓的不match401k的公司根本就不会有pension供你选择。
500 |
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o****y
发帖数: 26355 | 27 The government pension is just a little bit more reliable than company's
pension.
If you happens to be retiree from Detroit, its government goes bancrupted.
your pension will greately reduced. Last I heard was that the Detroit
government employee retiree only could get one third of its original pension.
The company pension is even worse, the company can go bancrupted more easily
than the government. |
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s**********d
发帖数: 36899 | 28 除了名字还有pension，其它跟pension没有任何关系，就是一个公司给的401k match一
样。
vest以后钱带走。
而Pension是退休后继续发工资
：
：当然叫pension，这笔钱是公司额外给的，pension可以有不同定义，并不都是警察那
种退休金。 |
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z******p
发帖数: 274 | 29 就跟买股票一样各有利弊，只能根据你自己的实际情况选择。
一般pension鼓吹的看起来都会比403b好一些，但是pension有很多不确定性。 pension
本身还是属于学校，你不过是受益人。 如果学校破产，pension投资不良的话，你未必
会收到许诺的收益。而且pension有很多限制，譬如如果工作不满多少年，收益并不能
带走。
403b属于自己，自己可以决定如何投资，换工作可以带走。 不受学校财政状况影响。
★ 发自iPhone App: ChineseWeb 8.7 |
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l******i
发帖数: 109 | 30 问一下，也需要选择。学校有两个option。
option1: 学校出8%of base salary-9000, + state pension (需要自己contribute 8%
）。第一部分vesting periond是三年，pension部分是五年。pension是62岁以后可以
拿工龄＊0.2*最高的五年平均工资
option2:学校出9% of base salary. 没有pension，这部分是三年vest。
然后还可以自己选择403b或者457b
这种情况是option1还是2比较好啊。两种都有学校match，只不过第二个多1%＋810.三
年后学校match的都可以拿走，只是第一种多了pension，不过需要自己contribute 8%
左右，但是如果五年左右离职的话自己的可以拿走，也可以放在那里等退休再拿。。 |
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c**i
发帖数: 6973 | 31 (continued)
(1) 郁从周, 美国人退休后能拿多少钱？
http://www.bbc.co.uk/zhongwen/simp/world/2010/09/100914_us_pension_caihong.shtml
("原来，还就是因为这个经理头衔，让里卡尔多决意跳槽。按照美国联邦的工会法，管
理人员不能参加工会，一线工人才可以组织、参加工会。工会会员的最大好处，就是有
退休金可拿。")
My comment:
(a) 里卡尔多 Ricardo (first name of a Spanish speaking man)
(b) The quote somehow suggests a manager can not receive a pension but that
a union member can. I am uncertain about the former. But the latter refers
to multiemployer plans.
Introduction to multiemployer plans. Pension Benefit G... 阅读全帖 |
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w******n
发帖数: 347 | 32 不知道你说的是不是pension + 403b vs. 401K + 403b.
感觉pension和401k应该不能同时有的，因为都带有employer的福利。403b应该是不带
有福利的。和雇主无关。
pension的好处在于达到一定年限后，退休后不管多少年，都会按照一个公式算一个数
字，每月给你发钱，有的即使自己去世了还能给配偶发钱。所以如果你预计自己不会跳
槽，这是一个更低风险的选择。但是pension本身的风险在于，退休的时候实际数字跟
社会消费水平相比过低，或者州的pension计划破产。当然这些概率可能不高。
401k的好处是账户是你自己的，一旦给你, contribution就是你自己的钱和雇主无关。
跳槽也没关系。坏处是随市场涨落，有市场的risk，另外自己没弄好的话return就低。
my 2 cents. |
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B*****e
发帖数: 9375 | 33 我们除了PENSION, 还有个4%-match 401K.
我想前面一些人说的有误,
PENSION不会比还在全职工作时候的工资还要高罢.
再说两个我家里的例子:
我母亲是纽约州政府雇员,
最后的PENSION计算是退休后每年给工资*工龄*N%.
如果工龄大于20年, N = 2%; 如果不到20年, N = 1.67%;
所以想方设法也要干满20年.
我父亲在Pepsi-Cola,
最后的PENSION是工龄前十年每年2%, 以后的每年加1%.
所以这个全额无论如何也只是最后年薪的一部分,
(不然就是鼓励大家赶快走人了).
都是要等到65岁才能拿到这个全额,
如果更早开始要, 就只能一直拿全额的一部分, 以后过了65也不会再增加了.
我们的计划其实还要根据当时的利率, 通货膨胀, 和人均寿命做个调整,
不过公司文件里网站上也没说公式是什么, 应该是个小数字
pension |
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s******g
发帖数: 755 | 34 Chapter 5
Washington Commonwealth Federation & Washington Pension Union
By Jennifer Phipps
More than 1,100 delegates attend 1940 Seattle convention of the Washington
Commonwealth Federation. The WCF nominated candidates for state and local
offices, functioning as a leftwing caucus within the Democratic Party. (
February 8, 1940)Imagine the difficulties of today trying to organize such
disparate groups as welfare mothers, members of Democratic Party clubs, AFL-
affiliated members, militant radica... 阅读全帖 |
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c****1
发帖数: 37 | 35 pension losses,prior service cost and net transition obligations :
DR other comprehensive income
deferred tax assest
CR deferred tax benefit_oci
pension benefit asset
when pension losses,prior service cost and net transition obligations are
recognized in net periodic pension cost through the amortization :
DR net periodic pension cost
deferred tax benefit-oci
CR deferred tax benefit-net income
other comprehensive income
怎么理解这两个分录呢？ |
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b********n
发帖数: 1651 | 36 projected benefit obligation和pension expense到底是什么关系啊？
书上说的很不清楚，书上说前者是present value, 而且service cost会增加projected
benefit obligation, 但service cost明明也是pension expense的一部分，难道
projected benefit obligation和pension expense是一回事？
假设employee于1990年参加工作，2020年退休，2040年去世。pension expense是从
1990年到2020年每年公司预提的pension吗？但projected benefit obligation是什么
呢？是折现到哪年的present value呢？算这个有什么用呢？
当初这部分完全没学好，麻烦大家帮我解释一下。谢谢！ |
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M*****y
发帖数: 601 | 37 在以往的四年里都是在pension的boutique consulting firm做administration的工作
。客户也都是以小plan为主，1－500个participant不等。现在公司很struggle，有点
让我担忧整个小size pension plan的前景。
老板夫妇两，都是EA，人超nice，对我也非常sincere，劝我去做health and welfare
，说小plan现在的趋势不太好，大plan的consulting firm更不用提，都是以plan
termination为主。可我觉得这两个老EA的经营之道不是很完善，networking也不强，
太认真的在做EA，无心维持，经营打理生意，不象我上一个TPA firm的老板，在
legislative上的事情都是睁一眼，闭一眼，但在生意上是蒸蒸日上，一年比一年的生
意好。
一个是勤劳可苦聪明的精算师，一个是精明能干的生意人。没法比阿。
朋友1，现在在TW做了快3年，颇有一番成就，跟我说他有心想转行P and C。他受不了
每天加班，甚至周末都得进office的日子。太intense不自由。就算pen... 阅读全帖 |
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C******e
发帖数: 1850 | 38 401K是你账户上有多少钱就只能拿这么多，是上有封顶的，而PENSION理论上是没有封
顶的，你能活多久就拿多久的钱。所以有PENSION福利的一定要保持健康。另外上面说
有PENSION就不能拿Social Security是不对的。Social Security是你交过税的，无论
你有没有401K, IRA, Pension, 都是你应得的，所以二者兼可得。 |
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b*****d
发帖数: 61690 | 39 Lawmakers on Capitol Hill are considering a multibillion dollar bailout for
retirees who are members of certain collapsing pension plans, The Washington
Post reported Tuesday.
The proposal, a draft of which was obtained by the Post, would require the
Treasury Department to spend as much as $3 billion annually to subsidize
payments for retirees enrolled in designated pensions.
The bailout is one of several proposals under consideration by a special
congressional committee wrestling the pension cr... 阅读全帖 |
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A******y
发帖数: 2041 | 40 Some public employees (for example local firemen and police) can opt-out of
SS if they have pension. However, I can tell you a lot of them are without
pension and SS today because their municipalities went into bankruptcy. For
pension system, you also have to think if it is going to be there when you
are about to retire (including the state one). States can declare
bankruptcy and get rid of their pension liability. |
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k******3
发帖数: 82 | 41 pension好还是401k好？
pension是不是单位负责投资，自己不用管，退休以后按月发钱？
有朋友在研究所工作，他们pay的并不高，可是他们的pension退休以后每月有最高工资
的80％，想想以后不用工作了还有80％的工资，听起来很不错的样子。我算了一下自己
的401k，如果不算投资受益，感觉存不了多少钱，而且投资还有可能亏钱。老了以后医
疗开销很大，万一活的长点，不会后几年没钱花吧，而pension按月发钱，只要活着就
有，看起啦比401k好啊。是这样吗？ |
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k***n
发帖数: 3158 | 42 Americans used to be savers too, especially when they had the interested
rate set by the market instead of the FED
the consumerism in the US is a product of the current system and pension/
401K
is just part of it. It's not the reason they were initiated.
Pension/401K is the real illusion. With the current crisis, boomers will
soon
find their pension bankrupt and their 401K funds evaporate.
BTW, I personally have both pension and 401K that I dont do any voluntary
contributions. |
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p*****t
发帖数: 3824 | 43 【 以下文字转载自 Stock 讨论区 】
发信人: product (For the Horde!), 信区: Stock
标 题: pension plan 和 optional retirement plan选哪个划算？
发信站: BBS 未名空间站 (Sun Dec 22 17:11:42 2013, 美东)
pension 是要contribute salary的 11.54% （我的理解是employer 会match？）
optional retirement plan叫啥 401a，可以自己通过fidelity账户管理，contribute
工资的 7%，employer match 7%。
我的理解是pension的话就是交给退休基金管理，401a可以自己选择股票或者基金？
pension的plan employer也会match contribution的吧？如果是这样，那就是工资以外
，employer 还额外给11.54% ？？？ |
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s*********y
发帖数: 615 | 44 貌似这里的投资专家比较多？？这种询问退休计划选什么的应该找什么顾问咨询呀？？
如果问公司的401K顾问，，那总觉得他们肯定向着自己的计划啊。。。
【 以下文字转载自 Faculty 讨论区 】
发信人: sunleilucky (蝈蝈), 信区: Faculty
标 题: 怎么比较pension和401k啊？
发信站: BBS 未名空间站 (Thu Jan 19 10:42:07 2017, 美东)
不知道应该发到哪，，以为这里估计有机会选到pension的人应该多一些，，可能也更
懂，，如果可以转到更好的版面，，先谢谢了。。
怎么比较pension和401k啊？这个可以去问什么advisor吗？应该去哪问呀？
目前自己的理解是如果打算在这个地方做十年以上甚至到退休，，应该就是无脑选
pension了是吧
？ |
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u****e
发帖数: 99 | 45 Company does not necessarily lean towards their "own" 401k. It is almost
always third party institution that runs the funds you buy in your 401k, not
your company. They are just providing the "hosting account" for you.
It will be impossible to compare a pension and a 401k without all the
details. For example, pension payout at what age, annual accrural rate,
pension fund health status; 401k match %, vesting schedule, 401k choices and
expense ratio ... better talk with a knowledgeable colleague, ... 阅读全帖 |
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s*********y
发帖数: 615 | 46 貌似这里的投资专家比较多？？这种询问退休计划选什么的应该找什么顾问咨询呀？？
如果问公司的401K顾问，，那总觉得他们肯定向着自己的计划啊。。。
【 以下文字转载自 Faculty 讨论区 】
发信人: sunleilucky (蝈蝈), 信区: Faculty
标 题: 怎么比较pension和401k啊？
发信站: BBS 未名空间站 (Thu Jan 19 10:42:07 2017, 美东)
不知道应该发到哪，，以为这里估计有机会选到pension的人应该多一些，，可能也更
懂，，如果可以转到更好的版面，，先谢谢了。。
怎么比较pension和401k啊？这个可以去问什么advisor吗？应该去哪问呀？
目前自己的理解是如果打算在这个地方做十年以上甚至到退休，，应该就是无脑选
pension了是吧
？ |
|
u****e
发帖数: 99 | 47 Company does not necessarily lean towards their "own" 401k. It is almost
always third party institution that runs the funds you buy in your 401k, not
your company. They are just providing the "hosting account" for you.
It will be impossible to compare a pension and a 401k without all the
details. For example, pension payout at what age, annual accrural rate,
pension fund health status; 401k match %, vesting schedule, 401k choices and
expense ratio ... better talk with a knowledgeable colleague, ... 阅读全帖 |
|
g******4
发帖数: 6339 | 48 Illinois' five state public pensions systems are underfunded by $83 billion.
Local governments are having to dedicate more of their operating budgets
each year to fund local public pensions. Thousands of public retirees are
earning six-figure pensions annually, all while Illinois' taxpayers are
being asked to contribute more.
http://ssm.nwherald.com/projects/pension/
way |
|
g******4
发帖数: 6339 | 49 Illinois' five state public pensions systems are underfunded by $83 billion.
Local governments are having to dedicate more of their operating budgets
each year to fund local public pensions. Thousands of public retirees are
earning six-figure pensions annually, all while Illinois' taxpayers are
being asked to contribute more.
http://ssm.nwherald.com/projects/pension/ |
|
g******4
发帖数: 6339 | 50 设置为公布的芝加哥联邦公民今天的一份报告显示，大量的市，县的10个公共养老金计
划的资金没有着落的养老金负债已达到近230亿美元。这一数额，再加上芝加哥的国家
的资金没有着落的养老金负债的份额，加起来总的11,934美元每一位男人，妇女和儿童
在芝加哥拖欠。
十年前，合并后的城市和国家的资金没有着落的养老金负债总额为2442美元，只有六分
之一的电流值。
从公民联合会的报告涉及到一个相同的结论的报告11月在芝加哥论坛报大约是城里人，
和纳税人所欠的巨额债务的故事系列。
A report set to be released today by the Chicago Civic Federation, shows
that the massive unfunded pension liability of the city and county’s 10
public pension plans has reached nearly $23 billion. That amount, plus
Chicago’s share of the state’s unfunded pension... 阅读全帖 |
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