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Ocalmy emerytury by Russell Olson, Douglas Phillips

Ocalmy emerytury

by Russell Olson , Douglas Phillips
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Book cover type: Paperback
  • ISBN13: 9786209345340
  • Binding: Paperback
  • Subject: N/A
  • Publisher: Wydawnictwo Nasza Wiedza
  • Publisher Imprint: Wydawnictwo Nasza Wiedza
  • Publication Date:
  • Pages: 72
  • Original Price: GBP 25.14
  • Language: Polish
  • Edition: N/A
  • Item Weight: 109 grams
  • BISAC Subject(s): Sociology / General

W przeciwieństwie do pracownik�w w wielu krajach rozwiniętych, obecnie zbyt niewielu amerykańskich pracownik�w może liczyc na niezależnośc finansową w starszym wieku. Wielu z nich będzie zmuszonych pracowac znacznie dlużej, niekt�rzy nawet do 70. roku życia. W niniejszym dokumencie zaleca się wprowadzenie jednego prywatnego systemu emerytalnego opartego na skladkach (DC), kt�ry obejmowalby wszystkich pracownik�w, z jednym zestawem zasad zastępującym obecny zbi�r niejednolitych plan�w emerytalnych DC w Stanach Zjednoczonych. Najważniejsze postanowienia obejmują - Utworzenie szeroko zdywersyfikowanych funduszy emerytalnych (TRF), kt�rych sponsorami są powiernicy ponoszący odpowiedzialnośc powierniczą. - Potrącanie z wynagrodzenia każdego pracownika kwoty, kt�ra automatycznie trafia do szeroko zdywersyfikowanego TRF, chyba że pracownik zrezygnuje z tego rozwiązania. - Zwolnienie pracodawc�w z obowiązk�w powierniczych. - Domyślne wykorzystanie oszczędności TRF do zakupu natychmiastowej lub odroczonej indeksowanej renty. - Brak koszt�w marketingowych wszystkich TRF i rent. - Ulgi podatkowe zaprojektowane tak, aby mieścily się w ramach obecnych wydatk�w podatkowych USA na emerytury.

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