Will productivity solve our public and private pension problems?

Article Abstract:

Worker productivity gains are generally considered the solution to the reduced ratio of workers per dependents, such as retirees and children, that is undermining both public and private pensions. However, recent productivity gains have not been due to skilled workers but rather to technological advancements while the investments in the work force have not increased. This problem will only become greater as more assets are converted by retirees, making the solution of productivity gains less attainable.

Pension, health, and welfare funds, Pension Funds & Benefit Plans, Pension Funds, Social aspects, Economic aspects, United States economic conditions, Labor productivity

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Consumers want value and information without wasting time

Article Abstract:

Baby boomers, seeking investments providing the best value while using the least amount of their time, have not invested as much in insurance as in stocks and 401(k)s. Although insurance investments can provide some advantages, many boomer-age consumers perceive such investments as time-consuming and lacking value. Boomers' investment attitudes are shaped by demographic conditions and a lack of discretionary income.

Life Insurance, Direct Life Insurance Carriers, Annuity Insurance, Insurance, Investments, Public opinion, Baby boom generation, Annuities

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