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Plan sponsors and fiduciaries should ensure that individual account fees are reasonable.
Tax-preferenced retirement savings accounts, which receive a tax subsidy to provide retirement security, should exclude new types of unregulated investment products.
Fiduciary responsibility to plan participants must be steadfastly maintained.
Government budgets reflect the priorities of policymakers. They specify what programs and activities the government will support and how to raise the money needed to fund them.
Americans’ retirement income comes from several sources. For most, Social Security income is the foundation of financial security in retirement.
Some companies sponsoring defined-benefit plans purchase annuities from private insurers.
Efforts to reform entitlement spending should recognize the following factors:
Block grants and unfunded mandates are two government budgetary practices that can have significant implications for lower levels of government.
Higher levels of government should provide adequate resources when mandating functions to lower levels of government.
Services should be implemented and operated by the level of government that can most appropriately and efficiently deliver them.