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Based on data received from pension supervisory authorities, the article reviews 85 different pension schemes in 44 jurisdictions by looking at fees and charges as well as their legal ceilings and their development since 2014. A key finding is the observed decrease in fees and caps. The article presents jurisdictions according to clusters, i.e. by groups of countries with identical or very similar items already covered by pension fees, and analyses the extent to which various cost and fee elements are covered by fees charged to members. Finally, we calculate charge ratios for each cluster to quantify the impact of fees and charges on pension savings. Occupational defined contribution pension schemes and personal plans linked to employment tend to be much more cost effective than personal schemes that have no direct employment link. 相似文献
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Bartczak Anna Budziński Wiktor Chilton Susan McDonald Rebecca Nielsen Jytte Seested 《Journal of Risk and Uncertainty》2021,62(2):113-135
Journal of Risk and Uncertainty - In this paper we test the efficiency of family resource allocation in three-generation households. Understanding how the so-called “squeezed middle”... 相似文献
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Public Organization Review - Studies on the influence of COVID-19 on municipalities are scarce, although it was precisely municipalities that stood in the first line of combat. It is important to... 相似文献
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In this paper we develop and test experimental methodologies for selection of the best alternative among a discrete number of available treatments. We consider a scenario where a researcher sequentially decides which treatments are assigned to experimental units. This problem is particularly challenging if a single measurement of the response to a treatment is time-consuming and there is a limited time for experimentation. This time can be decreased if it is possible to perform measurements in parallel. In this work we propose and discuss asynchronous extensions of two well-known Ranking & Selection policies, namely, Optimal Computing Budget Allocation (OCBA) and Knowledge Gradient (KG) policy. Our extensions (Asynchronous Optimal Computing Budget Allocation (AOCBA) and Asynchronous Knowledge Gradient (AKG), respectively) allow for parallel asynchronous allocation of measurements. Additionally, since the standard KG method is sequential (it can only allocate one experiment at a time) we propose a parallel synchronous extension of KG policy – Synchronous Knowledge Gradient (SKG). Computer simulations of our algorithms indicate that our parallel KG-based policies (AKG, SKG) outperform the standard OCBA method as well as AOCBA, if the number of evaluated alternatives is small or the computing/experimental budget is limited. For experimentations with large budgets and big sets of alternatives, both the OCBA and AOCBA policies are more efficient. 相似文献
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Marek Antosiewicz Bogumił Kamiński 《Journal of Organisational Transformation & Social Change》2013,10(2):65-74
We search for agent behavior rules which lead to the emergence of social networks that exhibit empirically observed phenomena: small-world property, scale-free degree distribution and stability in time. We assume that agents form and sever links using a cost-benefit analysis. Agents receive benefit from own links and from links that their friends form. On the other hand, link formation, deletion and keeping is costly. We find that a simple model structure which relies only on convex cost of link upkeep leads to stable networks which exhibit the small-world property. 相似文献
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This work presents the results of an on-going project that explores the media debate on nanotechnology in the Swedish daily press. Based on the analysis of articles published between 2004 and 2009 in two national and two regional Swedish daily broadsheets, it examines frames and themes used, the general tone of the articles as well as the actors active in the debate. Results of the analysis show that a positive tone dominates the Swedish coverage, which is mostly focused on future applications of nanotechnology. However, in the final stage of the studied period, the Swedish press started focus more on potential risks of nanotechnology as well as regulatory questions. 相似文献
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Dr Joanna Karolkiewicz Łucja Pilaczyńska–Szcześniak Janusz Maciaszek Wiesław Osiński 《The aging male》2013,16(3):159-163
The purpose of the study was to examine in the blood of overweight men aged from 62 to 83 years, the relationships between age and insulin resistance, selected parameters of the oxidative stress, and the antioxidant defense system. The population studied was divided into two groups: the group ‘young-old’ consisted of men aged 62 to 74 years old, and the group ‘old-old’– of men aged between 75 and 83 years. The total antioxidative status (TAS) and concentrations of thiobarbituric acid reactive substances (TBARS) were measured in the blood plasma. In the serum samples, the levels of antibodies against oxidized LDL (oLAB), glucose, total cholesterol, HDL-cholesterol, triglycerides and insulin were measured. Homeostasis Model Assessment of Insulin Resistance (HOMAIR) was calculated. Concentration of reduced glutathione (GSH) and glutathione peroxidase activity (GPx) were determined in the red blood cells hemolysate. The results of the study did not show significant differences between groups investigated with respect to concentrations of TBARS, TAS, GSH and GPx. However, significantly higher concentrations of glucose and antibodies against oxLDL (p < 0.05) were observed in the group of men over 74 years old in comparison to the group of ‘young-old’ men. It was indicated that the increased insulin resistance and hyperglycemia in elderly men are related to body mass and that they cause intensified oxidative modifications of LDL. 相似文献
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Stanisńaw Trepczyński 《Canadian Slavonic papers》2013,55(1-2):205-212
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