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首页> 外文期刊>Journal of pension economics and finance >Mismeasurement of pensions before and after retirement: the mystery of the disappearing pensions with implications for the importance of Social Security as a source of retirement support
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Mismeasurement of pensions before and after retirement: the mystery of the disappearing pensions with implications for the importance of Social Security as a source of retirement support

机译：退休前后养老金计量错误：养老金消失的奥秘，对社会保障作为退休支持来源的重要性产生了影响

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摘要

A review of the literature suggests that when pension values are measured by the wealth equivalent of promised defined benefit pension benefits and defined contribution balances for those approaching retirement, pensions account for more support in retirement than is suggested when their contribution is measured by incomes received directly from pension plans by those who have already retired. Estimates from the Health and Retirement Study for respondents in their early fifties suggest that pension wealth is about 82% as valuable as Social Security wealth. In data from the Current Population Survey (CPS), for members of the same cohort, measured when they are 65-69, pension incomes are about 58 % as valuable as incomes from Social Security. Our empirical analysis uses data from the HRS to examine the reasons for these differences in the contributions of pensions as measured in income and wealth data. Key factors accounting for these differences include: a difference in methodology between surveys affecting what is included in pension income; some pension wealth 'disappears' at retirement because respondents change their pension into other forms that are not counted as pension income; and the form of annuitization may influence the measure of pension income. A series of caveats notwithstanding, the bottom line is that CPS data on pension incomes received in retirement understates the full contribution pensions make to supporting retirees.
机译：文献回顾表明，当退休金价值通过即将退休的那些人的承诺定额给付退休金福利和确定的缴款余额的财富当量来衡量时，养老金在退休中的支持要比直接以直接收到的收入来衡量时所暗示的要多从那些已经退休的退休金计划中。根据《健康与退休研究》对五十多岁受访者的估计，养老金财富的价值约为社会保障财富的82％。根据当前人口调查（CPS）的数据，对于同一年龄段的成员（年龄在65-69岁之间）进行测量，养老金收入的价值大约是社会保障收入的58％。我们的经验分析使用来自HRS的数据来检查收入和财富数据中衡量的养老金缴款差异的原因。造成这些差异的关键因素包括：影响养老金收入的调查之间的方法差异；某些退休金财富在退休时“消失”，因为受访者将其退休金更改为其他形式，这些形式不计为退休金收入；年金形式可能会影响养老金收入的衡量标准。尽管有一系列警告，但最重要的是，关于退休时收到的退休金收入的CPS数据低估了退休金对支持退休人员的全部贡献。

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