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Wolfram J. Horneff Raimond H. Maurer Olivia S. Mitchell Ivica Dus 《Insurance: Mathematics and Economics》2008,42(1):396-408
Financial advisers have developed standardized payout strategies to help Baby Boomers manage their money in their golden years. Prominent among these are phased withdrawal plans offered by mutual funds including the “self-annuitization” or default rules encouraged under US tax law, and fixed payout annuities offered by insurers. Using a utility-based framework, and taking account of stochastic capital markets and uncertain lifetimes, we first evaluate these rules on a stand-alone basis for a wide range of risk aversion. Next, we permit the consumer to integrate these standardized payout strategies at retirement and compare the results. We show that integrated strategies can enhance retirees’ well-being by 25%-50% for low/moderate levels of risk aversion when compared to full annuitization at retirement. Finally, we examine how welfare changes if the consumer is permitted to switch to a fixed annuity at an optimal point after retirement. This affords the retiree the chance to benefit from the equity premium when younger, and exploit the mortality credit in later life. For moderately risk-averse retirees, the optimal switching age lies between 80 and 85. 相似文献
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We investigate a variety of known and new approaches for the estimation of the parameters of discrete-time semi-Markovian
traffic models. We focus on modeling video traffic, since the accurate representation of its long-term autocorrelation is
a challenge to the parameter estimation methods. The modeling techniques are applied to sample H.264/AVC-encoded video traces.
We study their ability to reflect the autocorrelation and variability of the original traffic and also the delay probabilities
of a resulting SMP/GI/1 queueing system. The delay probabilities are determined both by simulation and verified analysis of
the queue. 相似文献
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This paper provides an overview of European activities in the field of optical local-area networks (LAN's). The fully developed systems are currently at the process control and automation stage. Comparative estimates of the cost effectiveness of optical and electrical LAN's in industrial applications favor the optical systems. To date, deterministic protocols have predominately been used. Statistical access protocols are favored by Ethernet and are gaining in importance. Recent developments aim at mixed protocols which allow simultaneous transmission of both speech and data. The most important characteristics and results obtained with different optical LAN's are compared in a table. 相似文献