Besides this obvious one, some of the other projected benefits from proposed FDI scenario include availability
of pension product to private sector employees who until now have to depend upon largely insurance - based schemes for post retirement financial security.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability
of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost
of accommodating, announced increases in the build rates
of certain aircraft; 6) the effect on aircraft demand and build rates
of changing customer preferences for business aircraft, including the effect
of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result
of global economic uncertainty or otherwise; 8) the effect
of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution
of key milestones such as the receipt
of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation
of our announced acquisition
of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability
of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk
of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production
of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts
of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak
of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on
pension plan assets and the impact
of future discount rate changes on
pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition
of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect
of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect
of changes in tax law, such as the effect
of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations
of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect
of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability
of raw materials and purchased components; 23) our ability to recruit and retain a critical mass
of highly - skilled employees and our relationships with the unions representing many
of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment
of interest on, and principal
of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness
of any interest rate hedging programs; 28) the effectiveness
of our internal control over financial reporting; 29) the outcome or impact
of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential
product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition
of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result
of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks
of doing business internationally, including fluctuations in foreign current exchange rates, impositions
of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
According to Custom
Products» report, the state
pension is 780,000 yen ($ 6,885) per year, but the cost
of living is actually about 1,003,000 yen per year ($ 8,854), making it nearly impossible to get by on the
pension alone.
Although such fund -
of - fund
pension products are popular in mature markets like the United...
Such risks, uncertainties and other factors include, without limitation: (1) the effect
of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels
of end market demand in construction and in both the commercial and defense segments
of the aerospace industry, levels
of air travel, financial condition
of commercial airlines, the impact
of weather conditions and natural disasters and the financial condition
of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization
of the anticipated benefits
of advanced technologies and new
products and services; (3) the scope, nature, impact or timing
of acquisition and divestiture or restructuring activity, including the pending acquisition
of Rockwell Collins, including among other things integration
of acquired businesses into United Technologies» existing businesses and realization
of synergies and opportunities for growth and innovation; (4) future timing and levels
of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability
of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope
of future repurchases
of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level
of other investing activities and uses
of cash, including in connection with the proposed acquisition
of Rockwell; (7) delays and disruption in delivery
of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits
of organizational changes; (11) the anticipated benefits
of diversification and balance
of operations across
product lines, regions and industries; (12) the outcome
of legal proceedings, investigations and other contingencies; (13)
pension plan assumptions and future contributions; (14) the impact
of the negotiation
of collective bargaining agreements and labor disputes; (15) the effect
of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect
of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect
of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act
of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability
of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition
of conditions that could adversely affect the combined company or the expected benefits
of the merger) and to satisfy the other conditions to the closing
of the pending acquisition on a timely basis or at all; (18) the occurrence
of events that may give rise to a right
of one or both
of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee
of $ 695 million to United Technologies or $ 50 million
of expense reimbursement; (19) negative effects
of the announcement or the completion
of the merger on the market price
of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation
of their businesses while the merger agreement is in effect; (21) risks relating to the value
of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability
of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
The answer, suggest institutional investors like Mark Wiseman, CEO
of the Canadian
Pension Plan Investment Board, is to align pay to longer industry and
product cycles, and to use restricted stock units (rather than stock options) that vest over time — even after the CEO retires — pushing executives to think seriously about what happens after they're gone.
Without a company
pension to fall back on, the manager
of a specialty wood -
products mill in Kamloops, B.C., has been putting at least $ 5,000 into his RRSP every year since the age
of 23.
Five years ago, she was poached from Goldman Sachs — where she made her name convincing a number
of large
pension funds to hedge in the run up to the financial crisis — by Bank
of America to run a first
of its kind on Wall Street cross-asset, cross-industry structured - strategies group («It's about solutions, not
products,» she says).
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations
of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost
of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance
of new
product offerings; (6) the availability and cost
of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact
of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation
of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit
pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
As part
of the reforms, Athens has promised to cut
pensions in 2019 and cut the tax - free threshold in 2020 to produce savings worth 2 percent
of gross domestic
product.
thanks, and yes, a pittance
of a
pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch
of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance
products, along with a small
pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!
U.S. single premium
pension buy - out
product sales were $ 11.1 billion in the fourth quarter
of 2017, a 96 percent increase compared with fourth quarter 2016 results.
American National and its subsidiaries offer a broad line
of products and services, which include life insurance, annuities, health insurance, credit insurance,
pension products and property and casualty insurance for personal lines, agribusiness and certain commercial exposures.
Since very few boomers have
pensions, CFP Shannon Ryan recommended annuity
products for conservative boomers who'd like a «guarantee»
of an income they can not outlive.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its
products from other brands; the consolidation
of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key
product categories, increase its market share, or add
products; an impairment
of the carrying value
of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution
of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions;
product recalls or
product liability claims; unanticipated business disruptions; failure to successfully integrate the Company; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility
of capital markets; increased
pension, labor and people - related expenses; volatility in the market value
of all or a portion
of the derivatives that the Company uses; exchange rate fluctuations; disruptions in information technology networks and systems; the Company's inability to protect intellectual property rights; impacts
of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's dividend payments on its Series A Preferred Stock; tax law changes or interpretations; pricing actions; and other factors.
Similarly, insurers «as purveyors
of insurance
products,
pension plans, and other financial services to corporations, have reason to mute their corporate governance activities and be bought off.»
This is bad news for everyday savers, according to the researchers, as millions
of pension holders have their funds invested in lower risk passive
products.
According to latest data from the Bureau
of Labor Statistics, the typical U.S. household now spends about 20 percent
of their annual budget outlays on health care, personal insurance, life insurance,
pension - like
products and social security.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss
of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts
of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key
product categories, increase its market share, or add
products; an impairment
of the carrying value
of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution
of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions;
product recalls or
product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility
of capital markets; increased
pension, labor and people - related expenses; volatility in the market value
of all or a portion
of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation
of data or breaches
of security; the Company's ability to protect intellectual property rights; impacts
of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact
of future sales
of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements
of the Company's consolidated financial statements; and other factors.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its
products from other brands; the consolidation
of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key
product categories, increase its market share or add
products; an impairment
of the carrying value
of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution
of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions;
product recalls or
product liability claims; unanticipated business disruptions; failure to successfully integrate the business and operations
of the Company in the expected time frame; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility
of capital markets; increased
pension, labor and people - related expenses; volatility in the market value
of all or a portion
of the derivatives that the Company uses; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation
of data or breaches
of security; the Company's inability to protect intellectual property rights; impacts
of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; tax law changes or interpretations; and other factors.
But the run - up in prices is now bringing in an enormous amount
of speculative, nontraditional capital such as
pension funds and university endowments — principally through index
products.
It's a challenge for many small to mid-size employers to play in that realm as there are not a lot
of products designed for them, and the price and administrative burden associated with
pensions can be quite cumbersome, said Kelly.
In order to pay for higher
pensions pay - outs, Lord Turner recommended the amount
of money the government spends on the state
pension increase from 6.2 per cent
of gross domestic
product, as it is today, to between 7.5 and eight per cent.
«The creation
of new national investment
products, such as local government bonds, to fund this work and provide a safe haven for
pensions and savings.
Take some or all
of your
pension as cash, leave it invested or buy a
product like an annuity to give you a guaranteed lifelong income.
Saul worked in the law department
of a Fortune 500 insurance company for many years, where she specialized in giving advice regarding securities based retirement
products for individuals, groups and
pension plans.
Beth Newcomer The Legislative Analyst for NYC Council Member Helen Rosenthal (District 6, Upper West Side) encouraged attendees to reach out to their local Council Members and urge them to support the following legislative initiatives: • Possible legislation regarding divestment
of the city's
pension funds from fossil fuel companies • A bill to require the city to do a carbon footprint analysis
of all the
products the city procures, and to use that analysis to inform a policy
of low - carbon operations • A number
of bills to reduce the carbon emissions
of city - owned vehicles and improve the sustainability
of city buildings • A bill to enhance the city's already - strong idling laws so as to make them easier to enforce Find your Council Member here.
Business News
of Tuesday, 8 May 2018 Source: www.ghanaweb.com Joseph Tieku — CEO GN Reinsurance The Chief Executive Officer (CEO) OF GN Re, Mr Joseph Kusi - Tieku, has announced his outfit's readiness to support the academia to conduct deeper research into the pension and insurance sector to enable the industry players come up with products that will best serve the needs of customer
of Tuesday, 8 May 2018 Source: www.ghanaweb.com Joseph Tieku — CEO GN Reinsurance The Chief Executive Officer (CEO)
OF GN Re, Mr Joseph Kusi - Tieku, has announced his outfit's readiness to support the academia to conduct deeper research into the pension and insurance sector to enable the industry players come up with products that will best serve the needs of customer
OF GN Re, Mr Joseph Kusi - Tieku, has announced his outfit's readiness to support the academia to conduct deeper research into the
pension and insurance sector to enable the industry players come up with
products that will best serve the needs
of customer
of customers.
In a recent article in the New York Times, Jean Chatzky, the financial editor for NBC's Today Show, offered some insight into how deferred annuity
products like indexed annuities are poised to make a difference in the financial future
of a class
of retirees facing a number
of unique issues such as increased longevity and insecurity in
pensions and social security.
The company's
products and services addresses multiple markets, asset classes and geographies and are sold to a diverse client base, including asset owners, such as
pension funds, endowments, foundations, central banks, family offices and insurance companies; institutional and retail asset managers, such as managers
of pension assets, mutual funds, exchange traded funds, real estate, hedge funds and private wealth; financial intermediaries, such as banks, broker - dealers, exchanges, custodians and investment consultants; and corporate clients.
«By the term
product allocation, I mean the decision
of how much
of your retirement income should come from conventional financial instruments such as mutual funds, and how much should be generated by
pension - like
products such as life annuities and variable annuities.»
The Heron Partnership awarded ANZ Smart Choice Super and
Pension «5 Heron Quality Stars» and classified it as a Top 10
Product in respect to the quality
of its insurance features in 2018.
Responsible for overseeing Investment Management, Sales and Client Service, and Trust and Custody banking
products, Jim has over 25 years
of experience in
pension and investment management, real estate and capital markets.
Since its launch in 1990, Moneywise magazine has informed and educated millions
of people about how to make the most
of their hard earned money, by helping people to identify the right investment
products such as individual savings accounts (Isas) or
pensions and by showing them how to avoid the unnecessary cost associated.
✓ Social Security and / or
pension benefits won't cover your regular expenses ✓ You're over 45 but not too far into retirement ✓ You've accumulated between $ 250,000 and $ 5 million in retirement savings ✓ You have average or above - average health ✓ You're seeking greater certainty in retirement and more
of an insurance
product ✓ You'd like to reduce your Required Minimum Distributions and defer associated taxes
✗ Social Security and / or
pension benefits cover your regular expenses ✗ You're younger than 45 or over 75 years old ✗ You've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You have below - average health ✗ You're seeking higher risk and more
of an investment
product
One
of the financial
products that individuals readily put their money into without giving second thoughts is the NPS or National
Pension System.
✓ Social Security and / or
pension benefits won't cover your regular expenses ✓ You're a pre-retiree or early in retirement ✓ You've accumulated between $ 250,000 and $ 5 million in retirement savings ✓ You have average or above - average health ✓ You're seeking greater certainty in retirement and more
of an insurance
product ✓ You don't need access to the money immediately
✗ Social Security and / or
pension benefits cover your regular expenses ✗ You're younger than 45 or over 75 years old ✗ You've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You have below - average health ✗ You're seeking higher risk and more
of an investment
product ✗ You need access to the money immediately
Our experts have created a range
of pensions and retirement income
products, ideal for clients in pre or post retirement.
Whether it's 401 (k) s, IRAs, company
pension plans, or some other combination
of those vehicles and financial
products, all are ways to put your monthly retirement fund contributions to work.
(
Pensions & Investments: Aug 8, 2011) ProShare Advisors Chairman and CEO Michael Sapir comments in a
Pensions & Investments feature on the growing use
of alternative exchange - traded
products by institutional investors.
At the
Pension Division of Provident Mutual, the sales chain worked like this: our representatives would try to sell our investment products to pension plans, both municipal and cor
Pension Division
of Provident Mutual, the sales chain worked like this: our representatives would try to sell our investment
products to
pension plans, both municipal and cor
pension plans, both municipal and corporate.
Our activism in the interest
of shareholders was concretely demonstrated in 1992 with the introduction
of the LongView Equity Index Fund, which provides union
pension funds with investment
products and actively advocates for enhanced shareholder value.
✗ Social Security and / or
pension benefits cover your regular expenses ✗ You're years away from retirement ✗ You've accumulated less than $ 250,000 or more than $ 5 million in retirement savings ✗ You have below - average health ✗ You're seeking higher risk and more
of an investment
product
✓ Social Security and / or
pension benefits won't cover your regular expenses ✓ You're about to retire or are already in retirement ✓ You've accumulated between $ 250,000 and $ 5 million in retirement savings ✓ You have average or above - average health ✓ You're seeking greater certainty in retirement and more
of an insurance
product
A suitable
product could be a market - linked account - based
pension (balanced portfolio) or a diversified portfolio
of balanced and growth managed funds.
Insurance
Products A Life Settlement Update; and Life Insurance in
Pension Plans Life settlements involve the selling
of unneeded or no longer affordable life insurance policies.
For many unsuspecting Americans abroad this conclusion is a mistake, because PFICs are simply «pooled investments» registered outside
of the United States encompassing mutual funds, hedge funds, insurance
products and non-U.S.
pension plans.
SPIAs are commodity «transfer
of risk» income
products that function exactly like a
pension payment.