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Not fade away : how to thrive in retirement
Retirement is one of the biggest life changes we face. And it's been transformed since our parents retired into a period of exciting opportunities for personal growth and development. It's no longer seen as a decline into old age, but a vibrant new stage of life with infinite possibilities for personal fulfilment and renewed energy. This generation wants to seize the hour, but are keen for guidance on making the most of retirement. But too many people struggle with the adjustment, and it can have a negative impact on their physical and mental health. Research by the Institute of Economic Affairs found that retired people are 40% more likely to suffer from depression and 60% more likely to have a diagnosed physical condition. The latest research shows that successful retirement is all about attitude. This book will inspire readers to nurture a positive attitude to life beyond work and take control of their future. In it men and women share their very different experiences, from unexpected pleasures to disastrous mistakes, successes, failures and how they might do things differently. They speak from the heart about the issues that will face us all: how they've dealt with loss of status and routine, found new meaning, reinvented their relationships.
Book
Spousal Consent in Retirement Benefits: Could Remote Spousal Consent Create Unintended Consequences?
This article addresses the issue of spousal consent for retirees selecting a distribution option.
Journal Article
Contribution Financing Possible In the \Demographically Stressed\ Pension System/Beitragsfinanzierung im \demografiegestressten\ Rentensystem moglich
Despite the aging demographic in Germany, retirement pensions are enough to finance pensioners' living expenses. The increase of the real income will exceed the burden of the increasing number of older people so that people of working age can bear the higher pension payments. Pensions that have been restrained due to political mistakes should be reimbursed out of taxes. General social programmes have to be financed by taxes, too. JEL Classification: H53, H55,138, J14 Trotz des demografischen Wandels ist ein beitragsfinanziertes Rentensystem in Deutschland moglich und wunschenswert. Ein Rentenniveau von beispielsweise 50 % kann auch nach 2030 noch uber Beitrage finanziert werden. Zum einen ubersteigt die Produktivitats- und Einkommensentwicklung die steigende Beitragsbelastung, sodass das Nettorealeinkommen trotz hoherer Beitrage deutlich steigt. Ausserdem mussen versicherungsfremde Leistungen sachgemass durch Steuern und nicht durch Beitrage finanziert werden, um die Beitragshohe zu begrenzen.
Journal Article
OP66 Engagement in volunteering and caring activities in the ‘sandwich’ generation in England: findings from the HEAF study
BackgroundDemographic changes occurring worldwide have resulted in the proposal that retirement age be raised in many countries. We were interested to understand older adults’ current involvement in volunteering activities and informal care, as this may be negatively impacted by such a policy. This study quantifies the extent of engagement in such activities by people approaching retirement age and recent retirees in England, and explores the factors associated with participation.MethodsWe used baseline data from the Health and Employment After Fifty (HEAF) study, a cohort of individuals aged 50–64 years when first recruited in 2013–14. The outcomes included self-reported weekly involvement in informal (i.e. caring for family) and formal (i.e., volunteering) activities. Participants reported their employment status, working hours, biological sex, self-rated health, and perceived financial status, while age was derived from their date of birth.We used Poisson regression with robust standard errors to explore risk factors associated with involvement in formal and informal activities. Separate models were built for each outcome. Multivariate models accounted for variables that showed significant associations with the outcome in the univariate analysis.ResultsOf the 8,134 individuals initially recruited, 8,099 were included in the analysis (54% women, mean age 58.7 years, SD=4.4). At baseline, 18% and 22% were involved in any formal volunteering and informal caring activity respectively. Responders engaged in formal volunteering activities were more likely to also report informal caring activities (RR=1.10; 95%CI 0.99 to 1.23), independently of other covariates. Women, those in good health, participants who felt financially comfortable, retirees (RR=2.19; 95%CI 1.94 to 2.48), and part-time workers (RR=1.92; 95%CI 1.65 to 2.25) were all more likely to engage in formal volunteering activities. Similarly, regardless of other factors, women, retirees (RR=1.26; 95%CI 1.12 to 1.41), and those working part time (RR=1.31; 95%CI 1.13 to 1.50) were more likely to engage in informal activities. However, the likelihood of reporting caring responsibilities was higher among younger individuals and those struggling financially.ConclusionEngagement in formal volunteering and informal caring activities is common among people approaching current retirement age in England and participation in these activities often overlap. Although estimates are from cross-sectional analyses, full-time paid employment reduces the likelihood of participation in unpaid activities, suggesting that policies extending working lives may inadvertently reduce engagement in volunteering and caregiving in this group. Additional work is therefore required to investigate this further.
Journal Article
ACTIVE ENGAGEMENT AFTER RETIREMENT
Abstract
Retirement has been shown to accelerate the declines in physical and mental health (Dave et al., 2008) and cognitive functioning (Celidoni et al., 2017; Xue et al., 2018) due to the identity disruption and removal of a cognitively simulating environment after leaving the workforce. This necessitates a need to systematically uncover factors that could potentially buffer the negative impacts brought by retirement. This symposium aims to identify the types of self-initiated activities that can maintain post-retirement well-being through research conducted in Hong Kong and Japan. Specifically, the first paper from Chung reveals that retirees engaging in postretirement work exhibit lower life satisfaction but higher cognitive functioning than those without work. Similarly, the second paper from Katagiri also shows that work has negative impacts on life satisfaction, but such effect is buffered by civic participation. The third paper from Ho suggests that the beneficial effects of ICT use on personal mastery is more prevalent in retirees than in non-retirees. The fourth paper from Lin discloses that participation in cognitively demanding volunteering activities is associated with better cognitive and psychological functioning. These four presentations unveil various types of post-retirement activities that are beneficial to retirees, including re-engagement in the workforce, the use of technology for leisure and financial purposes, and participation in cognitively stimulating volunteering. Given that most of the pre-retirees do not have much planning on social life arrangement, findings of this symposium provide practical implications to improve psychological adjustment to this critical life event.
Journal Article