US-UK Dialogue on Pensions
Conference Related Research

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General Pension System Background Information

• AARP and Social Security - A Background Briefing
  AARP
• UK Pensions Overview
  UK DWP
• Pensions at a Glance: Public Policies Across OECD Countries 2005 Edition
  OECD

Session Background Material

1. Aging Society and Demographic Change: Its Economic Implications
   • Pensions: Challenges and Choices
     First Report of the UK Pensions Commission
   • Pension Coverage Lessons for the US from Other Countries
     AARP
   • International Retirement Security Survey
     AARP
   • Beyond 50 – A Report to the Nation on Economic Security
     AARP
   • Can America Afford Tomorrow’s Retirees?
     EBRI
2. Pension Protection in the US and UK – Lessons the UK can Learn
   • The Pension Benefit Guaranty Corporation 2004 Annual Report: An Agency Facing Financial Challenges
     AARP
   • ERISA at 30: The Decline of Defined Benefit Pension Promises and Annuity Payments? What will it mean?
     EBRI
   • The Decline of Defined Benefit Pension Promises and Annuity Payments? What will it mean?
     EBRI
   • Defined Contribution Plan Dominance Grows Across Sectors and Employer Sizes, While Mega Defined Benefit Plans Remain Strong: Where We Are and Where We Are Going
     EBRI
3. Making Pensions Attractive to Individuals and Employers A. Do hybrid plans offer a better allocation of risk, and are they a feasible way forward?
   • Hybrid Retirement Plans: The Retirement Income System Continues to Evolve
     EBRI
   B. What benefits are there for employers who make financial contributions to a pension?
   • An Evolving Pension System: Trends in Defined Benefit and Defined Contribution Plans
     EBRI
   C. A detailed discussion of the US experience with auto-enrollment and lessons the UK can learn
   • The Automatic 401K: The Simple Way to Strengthen Retirement Security
     The Retirement Security Project
   • Automatic Enrollment in Workplace Pension Schemes: Guidance on the Regulatory Framework
     UK DWP
   • The Influence of Auto-enrollment, Catch-up, and IRA Contributions on 401(K) Accumulations at Retirement
     EBRI
   D. Effective Communication of Pension Information
   • Encouraging Workers to Save: The 2005 Retirement Confidence Survey
     EBRI
   • Effective Means of Conveying Messages About Pensions and Saving for Retirement
     UK DWP
4. How flexible should pension savings be – Does more liquidity lead to more savings? What is the 401K experience?
   • Contribution Behavior of 401K Plan Participants
     EBRI
   • Perspective: Individual Retirement Account at 30 – A Retrospective
     Investment Company Institute
   • 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2003 Investment Company Institute/EBRI
     
   • Contribution Behavior of 401(K) Plan Participants
     Investment Company Institute/EBRI
   • In Brief – Financial Decisions at Retirement
     Investment Company Institute
5. Financial Education Schemes in the US and UK
   • Goodbye to Complacency – Financial Literacy Education in the U.S. – 2000-2005
     AARP Report by Lois A. Vitt, Project Director
     Gwen M. Reichbach, Jamie L. Kent, Jurg K. Siegenthaler Institute for Socio Financial Studies, Middleburg, VA, USA
     
   • Personal Finance and Rush to Competence: Financial Literacy Education in the U.S.
     Institute for Socio-Financial Studies/Fannie Mae Foundation
   • Financial Education: A Review of Existing Provision in the UK
     UK DWP
   • Perspectives Past, Present, and Future: Traditional and Alternative Financial Practices of the 45+ Community
     AARP
6. Women and Pensions – How Can We Close the Gap?
   • The Gender Pensions Gap: Encouraging Women to Save for Retirement
     Association of British Insurers
   • Time to Act: Women and Pensions
     Trades Union Congress
   • Retirement Savings of Women and Minorities
     AARP
   • Social Security and Women: Some Facts
     AARP
   • Women and Pensions: A Decade of Progress?
     EBRI