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The demise of the American tontine, Sutch says, may well be credited for the rise of another peculiarly American institution: the corporate pension. But today, with pensions on the decline, there are few guarantees left in modern retirement. Most people now rely on Social Security and savings accounts. A common headache is figuring out how slowly retirees should spend their nest eggs.
Economists have long said that the rational thing to do is to buy an annuity. For decades, economists have been trying to figure out why. A number of theories have been advanced - people might like to leave some money for their children, or как можно заработать деньги в одноклассниках на играх might worry about medical expenses late in life.
Poterba and his colleagues have also pointed out that Social Security is already like an annuity, promising constant payments for life. Every year, the group withdraws a predetermined amount and divides it among the remaining survivors.
You might get a bonus one year, for instance, играть в игру на деньги без регистрации Frank and Играть в игру на деньги без регистрации died. Retirees often object to annuities because they worry about not living long enough to make the money back. This is the nightmare scenario: If someone dies the day after she buys an annuity, the insurance company walks away with the cash scot-free. Annuities are expensive to administer, and so their payouts are rather low.
The costs stem in part from paying the insurance company to shoulder all the risk. To guarantee it can make good on all its annuity contracts, the insurer has to set aside a lot of money in reserve - just in case people live longer than expected, or играть в игру на деньги без регистрации case the market crashes. A tontine does away with all игры без регистрации с выводом денег без вложений overhead, so more money is available to the retirees.
The downside is that retirees would see their payouts fluctuate depending on the various times other people in the tontine group died. Compared to an annuity, a tontine abandons certain payouts for much higher returns.]