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How Persistent Low Returns Will Shape Saving and Retirement$
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Olivia S. Mitchell, Robert Clark, and Raimond Maurer

Print publication date: 2018

Print ISBN-13: 9780198827443

Published to Oxford Scholarship Online: October 2018

DOI: 10.1093/oso/9780198827443.001.0001

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PRINTED FROM OXFORD SCHOLARSHIP ONLINE (oxford.universitypressscholarship.com). (c) Copyright Oxford University Press, 2021. All Rights Reserved. An individual user may print out a PDF of a single chapter of a monograph in OSO for personal use. date: 24 June 2021

Global Developments in Employee Benefits

Global Developments in Employee Benefits

(p.194) Chapter 12 Global Developments in Employee Benefits
How Persistent Low Returns Will Shape Saving and Retirement

Natalia Garabato

Jonathan Gardner

Steve Nyce

Oxford University Press

While defined contribution plans are now the norm, many workers and retirees are insufficiently engaged with these plans during both the accumulation and decumulation phases. Indeed, given low growth, it is unclear whether stagnating incomes and increasingly diverse workforces will produce retirement and health plans that will meet employees’ financial needs. Instead employers are increasingly expressing interest in moving to a next generation of benefits, one characterized by greater flexibility and choice, to encompass a broader range of employee needs. This chapter discusses the emerging trends within occupational benefits, the forces that are driving these changes, and the challenges they pose.

Keywords:   flexible benefits, defined contribution, defined benefit, health insurance plans, occupational benefits, employee well-being

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