Why the deferred annuity makes sense - an application of hyperbolic discounting to the annuity puzzle

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The introduction of capital allows optimal risk sharing with incomplete markets, as long as the net cost of capital is zero.. However, as every CEO knows, capital

Such results allow us to conclude that although all the three tests measure one concept, that is memory, which is visible in the positive correlations between them, the PLSPAN and

If a Member does not select an insurer for the purchase of an annuity or elect to transfer to a registered pension plan, registered retirement savings plan, registered

This can stop a trivial commutation lump sum being paid from a scheme where a member has both a secured pension (scheme pension or lifetime annuity) in payment and

If you have chosen to take the benefits with Abbey Life, either as an annuity, as an Uncrystallised Funds Pension Lump Sum or as a small lump sum payment, and all

Instead of exchanging your pension for a secure income for life (an annuity) or taking lump sums (an uncrystallised funds pension lump sum), drawdown allows you to draw a

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