Pension Revolution: A Solution to the Pensions Crisis (Wiley Finance)

Book Description

Praise for Pension Revolution

"When Keith Ambachtsheer puts his keen mind to work on a problem, watch out! Here he exposes today's fragile arrangements for the most serious social dilemma of our times—financing retirement. Then he provides a compelling and powerful set of solutions. His writings are essential reading for all who care about the future of American living standards."
—Peter Bernstein, founder and President, Peter L. Bernstein, Inc., and author of Capital Ideas and Against the Gods

"This book describes one of the most ingenious inventions in the history of mankind: pension funds offering credible promises about old-age income. It reads like a thriller: how can well-governed pension funds be created in an imperfect world in which mortals wrestle with foibles and moral shortcomings? One of the world's leading experts on pensions searches for the answer—and finds it."
—Lans Bovenberg, Scientific Director, Network for Studies on Pensions, Aging, and Retirement, Tilburg University, The Netherlands

"Pension Revolution exposes the inadequacies of current pension systems and persuasively makes the case for the fundamental changes that are needed. It is essential reading for both the pension industry and policymakers."
—Elizabeth Bryan, Chair, Investment Committee, Unisuper Management PM Ltd, Australia

"Most analyses of complicated issues deal with complexity by simplifying or only looking at one piece-part, and, in doing so, provide limited value. In stark contrast, Keith Ambachtsheer boldly wades into the complexity in Pension Revolution to come up with a valuable integrative solution. He is a most welcome revolutionary!"
—Roger Martin, Dean, Joseph L. Rotman School of Management, University of Toronto, Canada

"We have known Keith for over ten years, and consistently over that time, he has constructively and comprehensively challenged conventional wisdom. He has done this so effectively that many of his initial thoughts have now become universally accepted norms. Such is his energy however that he continues to push the boundaries of pension and investment thinking."
—Peter Moon, Chief Investment Officer, Universities Superannuation Scheme Ltd, UK

"Pension Revolution not only explains the shortcomings of the existing pension system and the underlying design features that have resulted in the current pension upheaval. It also offers thoughtful and creative suggestions for prospective pension design. A must-read for anyone interested in the future of retirement finance."
—James Poterba, Professor of Economics, Massachusetts Institute of Technology and a member of the TIAA-CREF Board of Trustees

Customer Reviews:

Helps to have some economic or financial background to follow the details..........2007-06-12

When you look at the way that companies are folding their pension plans (or leaving them severely underfunded), it's not hard to come to the conclusion that the pension system in America is broken. I didn't quite understand just *how* broken it was until I read Pension Revolution: A Solution to the Pensions Crisis by Keith P. Ambachtsheer. While it is a bit eye-opening, the book would be best appreciated by someone with an economics or financial background due to the level of terminology used.

Contents:
Introduction - Why a Pension Revolution Now?
Part 1 - The Pension Revolution - Touchstones: Are Pension Funds "Irrelevant"?; The Pension Revolution - Are You a Believer Yet?; After the Perfect Pension Storm - What Now?; Beyond Portfolio Theory - The Next Frontier; The United Airlines Case - Tipping Point for U.S. Pension System?; Peter Drucker's Pension Revolution After 30 Years - Not Over Yet; Winning the Pension Revolution - Why the Dutch Are Leading the Way; Pension Reform - Evolution or Revolution?
Part 2 - Building Better Pension Plans: Can Game Theory Help Build Better Pension Plans?; If DB and DC Plans Are Not the Answers, What Are the Questions?; Human Foibles and Agency Dysfunction - Building Pension Plans for the Real World; DB Plans and Bad Science; Peter Drucker's Pension Legacy - A Vision of What Could Be
Part 3 - Pension Fund Governance: Reinventing Pension Fund Management - Easier Said Than Done; Should (Could) You Manage Your Fund Like Harvard or Ontario Teachers'?; "Beauty Contest" Investing - Not Dead Yet; Eradicating "Beauty Contest" Investing - What It Will Take; High-Performance Cultures - Impossible Dream for Pension Funds?; How Much Is Good Governance Worth?
Part 4 - Investment Beliefs: The 10 Percent Equity Return Illusion - Possible Consequences; Stocks for the Long Run?... or Not?; "Persistent Investment Regimes" or "Random Walk"? Even Shakespeare Knew the Answer; The Fuss about Policy Portfolios - Adrift in Institutional Wonderland; Shifting the Investment Paradigm - A Progress Report; Whose "Investment Beliefs" Do You Believe?; Our 60-40 Asset Mix Policy Advice in 1987 - Wise or Foolish?; "But What Does the Turtle Rest On?" - A Further Exploration of Investment Beliefs; Professor Malkiel and the New Investment Paradigm - Raining on the Parade?; The "Post-Bubble Blues Decade" - A Progress Report
Part 5 - Risk in Pension Plans: Rethinking Funding Policy and Regulation - How Should Pension Plans Be Financed?; Funding Policy and Investment Policy - How Should They Be Integrated in DB Pension Plans?; Resurrecting Ranva - Adjusting Investment Returns for Risk; Adjusting Investment Returns for Risk - What's the Best Way?
Part 6 - Measuring Results: Pension Plan Organizations - Measuring "Competitiveness"; Measuring DC Plans as "Value Propositions" - The New Imperative for Plan Sponsors; Measuring Pension Fund Behavior (1992 to 2004) - What Can We Learn?
Part 7 - Pensions, Politics, and the Investment Industry: Wither Security Analysis?; Pension Funds and Investment Firms - Redefining the Relationship; The New Pension Fund Management Paradigm - Feedback from Financial Analysts; Reconnecting GAAP and Common Sense - The Cases of Stock Options and Pensions; Is Sri Bunk?; Alpha, Beta, Bafflegab - Investment Theory as Marketing Strategy; The Turner Pensions Commission Report - A Blueprint for Global Pension Reform; More Pension Wisdom from Europe - The Geneva Report on Pension Reform
Part 8 - The Case of PERS: PERS and the Pension Revolution - Active Participant... or Passive Bystander?; Advice for Alyson Green - How PERS Can Join the Pension Revolution
In Conclusion - A Call to Arms

As you can tell from the table of contents, there's no lack of material here... :)

Ambachtsheer makes the case (and quite convincingly) that the current state of pensions in the U.S. is not a sustainable model. There are too many parties with conflicting interests who want the other side to take on more of the long-term risk associated with returns and payouts. And of course, those same parties want to keep any of the short-term benefits that come with an investment time period that was more successful than most. Instead, he advocates for a system he calls TOPS, which stands for The Optimal Pension System. It's designed to eliminate the conflicts of interest, control costs, and look towards producing realistic returns through systematic behavior. He points out that there is a large gap between what people think they do (rational actions) and what they really do (bet the farm). Furthermore, the generally accepted wisdom that the market will return 10% over time ignores the needs of those who are expecting payout during times when the investments are *not* paying out anything close to that. If nothing else, you'll come away from this book with all your rote investment sayings challenged and shaken.

For a subject that he digs into pretty technically, the book is surprisingly readable in style. The major fault that I found is that economic concepts and theories are often thrown out without much explanation, as if the reader should already be familiar with them. As such, it makes it hard to follow the exact details of where he goes in many of the chapters unless you already live in that particular world. Still there's more than enough that *is* followable by the average layman to make it clear that counting on pensions as they are currently structured is betting on some pretty long odds.

The Retirement Revolution: A Strategic Guide to Understanding & Investing Lump-Sum Distributions from Qualified Retirement Plans

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The Retirement Revolution: A Strategic Guide to Understanding & Investing Lump-Sum Distributions from Qualified Retirement Plans
Dan L. Flores
Manufacturer: iUniverse
ProductGroup: Book
Binding: Paperback

General | Popular Economics | Business & Investing | Subjects | Books

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Introduction | Investing | Business & Investing | Subjects | Books

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Retirement Planning | Personal Finance | Business & Investing | Subjects | Books

Retirement Planning | Aging Parents | Parenting & Families | Subjects | Books
ASIN: 0595297900

Book Description

Dan Flores brings over twenty years of experience guiding clients' investments to this in-depth look at the needs of individuals receiving a lump-sum distribution from a qualified retirement plan. In clear and easy-to-understand language, Flores analyzes the lump-sum alternatives and investment strategies necessary to become an informed investor, including:

The rules and regulations of lump-sum distributions and IRA rollovers.
The penalties and pitfalls of early retirement and how to avoid them.
The differences between asset allocation and diversification.
How to build an investment portfolio blueprint and monitor accounts.
Understanding the importance of product selection: the advantages and disadvantages of individual securities, money managers, and packaged products such as mutual funds, index funds, unit trusts, and exchange traded funds.
Strategies for taking income out of retirement plans.

The Retirement Revolution is an especially useful resource for benefits and human resource directors to share with employees.

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Customer Reviews:

The unseen revolution.......2000-07-02

Obviously, I liked the book. Drucker describes the pension fund industry and it's growing importance in the capital markets. But remember this is just a new edition of the 1976 classic "The unseen revolution" by Harper & Row (with a new preface)...

General Washington's Christmas Farewell: A Mount Vernon Homecoming, 1783

Average customer rating:

This engaging little book will draw you in.
Captivating and Charming
The turnover of power to the Congress.
A Long Journey Home For The Original American Hero
Okay, but I ain't staying up late to finish it.

General Washington's Christmas Farewell: A Mount Vernon Homecoming, 1783
Stanley Weintraub
Manufacturer: Free Press
ProductGroup: Book
Binding: Hardcover

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Braun IRT 4020 ThermoScan Ear Thermometer

ASIN: 0743246543

Book Description

One of America's greatest Christmas stories and also one of its very first -- from the period between the end of the Revolutionary War and the ratification of the Constitution -- was a creation of none other than George Washington. The story isn't just about Washington coming home for Christmas for the first time since the war began, but about the character of our most important Founding Father and about the precedent he set for democratic leadership. It is the story of a loving husband, a beloved military leader, and above all, a humble and great man.

In late November 1783 when Washington finally received formal notice of the signing of a peace treaty with England he had little more than a month to accept the transfer of power from British troops in New York; to bid farewell to his troops; and to resign his commission to Congress if he hoped to make it to Mount Vernon for Christmas. He could have remained in charge of the army and become a virtual king to the Americans who loved him. Control of the newly forming government was his to take -- yet he chose to resign. It was that decision, coupled with his later decision to step down from the presidency after two terms, that rendered him "the greatest character of the age" (according to none other than King George III).

Washington's homeward journey is one of the most moving and inspiring stories from his great and eventful life. When he bade farewell to his troops at Fraunces Tavern in New York City there were no dry eyes. When he reached Congress and gave a retirement speech, it cemented his greatness more fully than had his victory over the British. When he made it to Mount Vernon, finally, on Christmas Eve, it could not have been a happier homecoming.

General Washington's Christmas Farewell is a deeply moving Christmas story as well as a great American story.

Customer Reviews:

This engaging little book will draw you in. .......2007-02-14

The author makes a few sidetrips to explore a little background and history that bring the times alive. He explores how Washington was the heart and soul of the American cause as his farewell tour home from the war - from West Point in New York to Mt. Vernon - provided a foundation for unity, dignity and sense of common purpose for a new nation to be.

It's a slice of history that tells much more than the title implies, and it shows a very human side of a man who continues to surprise us with how worthy a model he is to follow. It's poignant without being maudlin, and is a history that appeals to both mind and heart. Highly recommended.

Captivating and Charming.......2005-12-21

This is a wonderful retelling of George Washington's return to Mount Vernon at the end of the Revolution. It humanizes Washington like few books ever have. Mr. Wintraub even manages to build up suspense as you wonder whether ex-General Washington makes it home in time for Christmas.

This is the second Christmas-themed history by Mr. Weintraub, the other being SILENT NIGHT, about the informal truce in 1914. Each time, Mr. Weintraub brings out the significance of seemingly minor events. It is truly masterful.

The turnover of power to the Congress........2004-10-05

The author does a good job of detailing why George Washington was a great man. Rather than become a King or dictator after the War of Independence, he returned his commission to the Congress and returned to Mount Vernon. This was after eight years of separation from his home. His only desire was to depart from the public stage and resume his private life. This was unlike most people who would have clung to power. Washington wanted to become a private citizen again. This book details his change from a military general to a private citizen.
Washington takes control of New York from the departing British,
says farewell to his soldiers and other officers, returns the commission to the Congress in Annapolis, and gets home in time for a Mount Vernon Christmas Eve. This brief period says alot what Washington was and why people wanted him to be their leader.
Weintraub does a good summary job of describing this two week episode in the life of the first American President. By his example, the military would always be controlled by the civilian government. The importance of Washington is shown in this short story and good read.

A Long Journey Home For The Original American Hero.......2004-09-15

This book is a masterwork. There may be other books on the subject, but I can't imagine any other book capturing the bittersweet moments of George Washington's return to Mount Vernon after the Revolution more poignantly than Stanley Weintraub does here. The book begins in November 1783 and details Washington's long trip home, and brilliantly captures the trials of long distance travel, as well as the joys of receiving the outpourings of gratitude from his countrymen as he passed through towns and villages.

The book gives great insight into the character of Washington and his amazing leadership qualities. I think any reader will better appreciate the suffering and personal sacrifice of this original American patriot after reading this book. The book details the drama of the signing of the final peace treaty with England (assisted by Benjamin Franklin in France), the withdrawal of English troops from New York (a fascinating and oft overlooked drama in and of itself), and the personal interactions of George Washington and other key leaders necessary to keep the coalition of States together in the fight against the British. Particular detail is reserved for efforts to meet the US Army payroll, which, then as now, had substantial Congressional problems as well as issues relating to unwillingness of some States to be taxed.

The most interesting facet of the book, though, is the examination of the personal motivations driving Washington. In contrast to most powerful leaders (and Washington at the time was revered enough that he turned down the opportunity to be King of the United States), Washington desired to do his duty, and once having completed his mission by winning the Revolutionary War, to retire from public service. Great detail is spent on the preparations necessary for Washington to resign his commission, and the account of the ceremony and celebrations involved are detailed, scrupulously researched, and thrilling to read.

This is a wonderful book. I highly recommend it to anyone, particularly to people who would like to know more about the emotions, motivations, and character of George Washington, the original American patriot.

Okay, but I ain't staying up late to finish it........2004-05-31

When the American Revolutionary war ended in November 1783, George Washington made up his mind that he was going to make it home to Mount Vernon by Christmas. But first he had to accept the transfer of power from the British, say his farewells to his troops, and resign his commission to Congress; only then could he begin his homeward journal. Washington barely made it home by Christmas, arriving on Christmas Eve.
This is a good story and well-written, but I can't imagine why it is given so many 5-star ratings. Some books are good because of action and some because of a build-up to an action-kind of like the calm before the storm. This story, on the other hand, is like the calm after the storm. There is no build up to anything really; everything exciting has already happened. Yes, it is good history, and somewhat of a touching story, but it isn't a 5-star book by any means.
It is a good book, and I am glad I read it; but after reading such glowing recommendations, I was somewhat disappointed. To those who already know a good deal about George Washington, there will probably not be anything presented in this book that they do not already know. To those that know little of George Washington, this book will offer some information they probably didn't' know.
But this is not a ground-shaking book. It is a well-written story about George Washington's desire to get home before Christmas. It is a story of a time of sorrowful farewells. And it is a story of a great man who could have been a king but walked away from it.
But don't go out and buy "General Washington's Christmas Farewell" thinking it is a book you will stay up at night reading because you can't put it down. It just isn't one of those books.
I would say that this book is better written than average, but the subject is less interesting than average, and it seems as if the author included some material just to increase the length of the book, so overall it equals out to a middle-of-the-road rating of 2-stars. I would have given it a 2-1/2 if I could, but I can't justify a three. Really, this isn't a book I recommend to someone to get them interested in history or George Washington. I would borrow this book from a library, not buy it.
I must learn to beware of those who write book reviews because they are paid by the publishing company to do so. It tends to distort the opinion, you know!

The Retirement Revolution: A Strategic Guide to Understanding and Investing Lump Sum Distributions from Qualified Retirement Plans

Average customer rating:

Highly Recommended!

The Retirement Revolution: A Strategic Guide to Understanding and Investing Lump Sum Distributions from Qualified Retirement Plans
Dan L. Flores
Manufacturer: Writers Advantage
ProductGroup: Book
Binding: Paperback

General | Popular Economics | Business & Investing | Subjects | Books

General | Business & Investing | Subjects | Books

Introduction | Investing | Business & Investing | Subjects | Books

General | Personal Finance | Business & Investing | Subjects | Books

Retirement Planning | Personal Finance | Business & Investing | Subjects | Books
ASIN: 0595264956

Book Description

The Retirement RevolutionAre you retiring, losing your job, changing jobs, or being offered an early retirement package? The information in this book focuses on the needs of individuals that may be receiving a lump-sum distribution from a qualified retirement plan.In clear and easy to understand language, the author analyzes the lump-sum alternatives and investment strategies you must understand before you can become an informed investor: The rules and regulations of lump-sum distributions and IRA rolloversThe penalties and pitfalls of early retirement and how to avoid themThe differences between asset allocation and diversificationHow to build an investment portfolio blueprint and monitor your accountsUnderstanding the importance of product selection: the advantages and disadvantages of individual securities, money managers, and packaged products such as mutual funds, index funds, unit trusts, and exchange traded funds.Strategies for taking income out of your retirement plansAdditionally, if you are a retirement-planning professional a benefits or human resource director you will find this book to be a useful, easy-to-read resource to share with your employees.

Customer Reviews:

Highly Recommended!.......2003-05-26

This book gets the 5 star rating. It is clearly written and easy to understand. Not only does it cover the rules and regulations of lump-sum distributions, but it also clearly explains investment options and how to put together a portfolio.

America's First Veterans and the Revolutionary War Pensions (Studies in American History (Lewiston, N.Y.), V. 42.)

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America's First Veterans and the Revolutionary War Pensions (Studies in American History (Lewiston, N.Y.), V. 42.)
Emily J. Teipe
Manufacturer: Edwin Mellen Press
ProductGroup: Book
Binding: Hardcover

General | Popular Economics | Business & Investing | Subjects | Books

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General | Americas | History | Subjects | Books

All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
ASIN: 0773471006

Average customer rating:

Excellent Retirement Guide
Excellent Retirement Guide

Retirement Revolution
Donna Millhollin , and Robert Spindel
Manufacturer: Paradigm Financial Advisors LLC
ProductGroup: Book
Binding: Paperback

Retirement Planning | Personal Finance | Business & Investing | Subjects | Books
ASIN: 0615118089

Book Description

Financial planning and retirement planning handbook which dicusses a transitioning process from full time work to full time retirement. Includes case studies, worksheets and helpful resouces.

Customer Reviews:

Excellent Retirement Guide.......2000-06-09

This is an excellent book to guide one through the basic steps of retirement planning. The authors outline the need to have professional assistance to develop a retirement plan.

Excellent Retirement Guide.......2000-06-09

This is an excellent book to guide one through the basic steps of retirement planning. The authors outline the need to have professional assistance to develop a retirement plan.

Ageing and Money: Australia's Retirement Revolution

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Ageing and Money: Australia's Retirement Revolution
Diana Olsberg
Manufacturer: Allen & Unwin Pty., Limited (Australia)
ProductGroup: Book
Binding: Paperback

Public Finance | Economics | Business & Investing | Subjects | Books

Financial Planning | Personal Finance | Business & Investing | Subjects | Books

Retirement Planning | Personal Finance | Business & Investing | Subjects | Books

Gerontology | Social Sciences | Nonfiction | Subjects | Books

FutureWork: The Revolution Reshaping American Business

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FutureWork: The Revolution Reshaping American Business
Edward E. Gordon , Ronald R. Morgan , and Judith A. Ponticell
Manufacturer: Praeger Publishers
ProductGroup: Book
Binding: Hardcover

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Quality Control | Management & Leadership | Business & Investing | Subjects | Books

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Book Description

The authors offer proven skills, training, and educational applications that develop individual employee thinking for total quality management, ISO 9000, or other quality-team business programs. It develops the great potential of using cognitive-based learning to empower people for quality and workplace leadership, systems that move beyond traditional behavior-based training techniques. The authors explain what can and cannot be done to increase "creative thinking," insight, and adult intelligence. They provide bottom-line measures for assessing the effectiveness of training procedures and show how a commitment to substantive life-long employee education can build a stronger business and corporate presence in the marketplace of the future.

The Golden Revolution : Retirement Styles for the 1990s

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The Golden Revolution : Retirement Styles for the 1990s

Manufacturer: MacMillan
ProductGroup: Book
Binding: Paperback
ASIN: 0771592035

Book Description

A master logistician, Meigs saw to the supply of every Union army from his appointment as quartermaster general in May 1861 through to the end of the war. Indispensable to the war effort as a soldier, Meigs was also skilled as an engineer, architect, scientist, and artist. Many of his contributions are in use to this day.

Customer Reviews:

The Life and Times of General Montgomery C. Meigs.......2001-11-10

David Miller deserves a great deal of credit for bringing
General Montgomery Meigs to life. Through his incredibly detailed work, the life and times of this gifted builder,
architect and general become chrystallized in the reader's mind.
The number of personal letters included in this volume are nothing short of remarkable. The inclusion of so many portions of personal letters from the mid-1800s allows the reader to share directly the thought processes of Meigs, his supporters and his detractors. The copious footnotes are outstanding as well. Not to mention the great photos.
In a sense, this is a textbook as well as a biographical work.
I am very impressed. Thank you,!!!
Signed, A distant relative of the Quartermaster General

Long overdue.......2001-11-05

This is an excellent biography of one of the most important -- although most overlooked and underrated -- members of the Union high command in the Civil War. Montgomery Meigs was, quite literally, second only to U. S. Grant in importance, in that he was the genius who kept the supplies moving up front. He also had outstanding pre- and post-war careers as engineer-architect. A most amazing (though not particularly attractive) man, whose life and works are splendidly described in a well-written, fascinating book. Civil War buffs owe Miller many thanks.

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Parallel Lives, VI: Dion and Brutus. Timoleon and Aemilius Paulus (Loeb Classical Library®)
Plutarch
Manufacturer: Loeb Classical Library
ProductGroup: Book
Binding: Hardcover

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Parallel Lives, XI: Aratus. Artaxerxes. Galba. Otho. General Index (Loeb Classical Library®)

Plutarch Lives, IX, Demetrius and Antony. Pyrrhus and Gaius Marius (Loeb Classical Library)

Plutarch Lives, VIII, Sertorius and Eumenes. Phocion and Cato the Younger (Loeb Classical Library®)

Plutarch Lives, IV, Alcibiades and Coriolanus. Lysander and Sulla (Loeb Classical Library®)

Plutarch Lives, I, Theseus and Romulus. Lycurgus and Numa. Solon and Publicola (Loeb Classical Library®)

ASIN: 0674991095

Book Description

Plutarch (Plutarchus), ca. 45-120 CE, was born at Chaeronea in Boeotia in central Greece, studied philosophy at Athens, and, after coming to Rome as a teacher in philosophy, was given consular rank by the emperor Trajan and a procuratorship in Greece by Hadrian. He was married and the father of one daughter and four sons. He appears as a man of kindly character and independent thought, studious and learned.

Plutarch wrote on many subjects. Most popular have always been the 46 Parallel Lives, biographies planned to be ethical examples in pairs (in each pair, one Greek figure and one similar Roman), though the last four lives are single. All are invaluable sources of our knowledge of the lives and characters of Greek and Roman statesmen, soldiers and orators. Plutarch's many other varied extant works, about 60 in number, are known as Moralia or Moral Essays. They are of high literary value, besides being of great use to people interested in philosophy, ethics and religion.

The Loeb Classical Library edition of the Lives is in eleven volumes.

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