Annuitisation : retirement income that lasts a lifetime

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      <subfield code="a">Annuitisation</subfield>
      <subfield code="b"> : retirement income that lasts a lifetime</subfield>
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      <subfield code="a">This paper presents a case study of Pillar II occupational pension plans in three countries-the U.S., the U.K. and Switzerland. Of these three countries, Switzerland clearly has the best system with automatic enrolment into occupational pension plans, automatic escalation of contributions as the employee grows older, and automatic annuitisation. The employee may have the ability to opt out under certain conditions, but behavioural economists teach us that opt-out plans are much more effective than opt-in plans, and Switzerland obviously took this into account when designing its regulations for Pillar II benefits</subfield>
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