Diverse Risks Essays Collection

The Society of Actuaries’ Committee on Post-Retirement Needs and Risks (CPRNR) has been researching and seeking solutions for managing post-retirement risks for nearly 20 years. The SOA is pleased to share this collection of essays, which explore the diverse risks associated with defined contribution plan risk management strategies; decumulation strategies for retirement; and long-term care financing.

At a Glance

Prize Winners

First Prize

The “Feel Free” Retirement Spending Strategy   
R. Evan Inglis

Second Prize

Retirement: Choosing Between Bismarck and Copernicus  
Krzysztof Ostaszewski

Third Prize

Thinking About the Future of Retirement    
Anna M. Rappaport

Longevity Insurance Benefits for Social Security   
John A. Turner

Designing and Communicating Retirement Plans for “Humans”  
Steve Vernon

A Portfolio Approach to Retirement Income Security  
Steve Vernon

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Download the complete essay collection.  

Introduction
John Cutler

The “Feel Free” Retirement Spending Strategy  
R. Evan Inglis

Retirement: Choosing Between Bismarck and Copernicus
Krzysztof Ostaszewski

Thinking About the Future of Retirement  
Anna M. Rappaport

Longevity Insurance Benefits for Social Security  
John A. Turner

Designing and Communicating Retirement Plans for “Humans”
Steve Vernon

A Portfolio Approach to Retirement Income Security
Steve Vernon

Decumulation for a New Generation
Elizabeth Bauer

Enhanced Risk Sharing Savings Accounts  
Martin Bauer

News Flash: Retirement Takes Over Long-Term Care
John Cutler

How the American Retirement Savings System Magnifies Wealth Inequality
Karl Polzer

Women and Retirement Risk: What Should Plan Sponsors, Planners, Software Developers and Product Developers Know?  
Anna M. Rappaport

Diverse Risks and Considerations in Retirement
Zenaida Samaniego

Multiple Objective Asset Allocation for Retirees Using Simulation
Kailan Shang and Lingyan Jiang

Oh, No! Not Another Government Program    
Mark Shemtob

A Better Public-Private Approach to Resolving LTSS Financing Dilemma—Catastrophic Shared Stop-Loss: Adapting Life Insurance to Meet Long-Term Care Needs
Morris Tenenbaum

Decisions Misaligned with Priorities: The Non-Annuitization of Retirement Savings    
Paul J. Yakoboski

Decumulation Strategy for Retirees: Which Assets to Liquidate
Charles S. Yanikoski

Dealing with Multiple Post-Retirement Risks in the Middle Market
Charles S. Yanikoski