养老金危机：马来西亚固定收益养老金计划的问题与解决方案

English | 2024 | ASIN: B0D195HZZ5 | 224 pages| Epub PDF (True) | 13 MB

This book focuses on the Defined Benefit (DB) pension scheme for pensionable civil servants in Malaysia, as a result of the rapidly rising pattern of pension costs for public servants in the country.

In doing so, the book explores various issues on the defined benefit pension fund that the Malaysian Government currently confronts. Chapter one provides an overview of the pension system in the country, covering only the civil service pension fund managed by the Retirement Fund (Incorporated), better known as KWAP. It also discusses the issues and challenges the pension system and pensioners face. Chapter two reviews the past studies, sets up empirical models and examines which are the determinants of pension cost. Chapter three examines the asset allocation and performance of the KWAP pension fund from the last 13 years since the Ministry of Finance established it as part of the pension reform. Based on the available pension assets and liabilities data, Chapter Four outlines the steps and makes the 10-year forecast to ascertain whether the pension fund will be underfunded or not in the future. Chapter five examines whether the pension fund is sustainable in the long run based on the four parameters using scenario-based simulation. In order to solve this problem, especially the longevity risk, Chapter six proposes issuing longevity bonds by the authority to mitigate the longevity risk faced by the KWAP pension fund.

中文|2024|ASIN:B0D195HZZ5|224页|Epub PDF（真）|13 MB 本书重点介绍马来西亚应计养恤金公务员的固定福利（DB）养老金计划，这是该国公务员养老金成本迅速上升的结果。 在此过程中，本书探讨了马来西亚政府目前面临的固定收益养老基金的各种问题。第一章概述了该国的养老金制度，仅涵盖由退休基金（公司）管理的公务员养老基金，即KWAP。它还讨论了养老金制度和养老金领取者面临的问题和挑战。第二章回顾了以往的研究，建立了实证模型，并考察了养老金成本的决定因素。第三章考察了自财政部作为养老金改革的一部分设立KWAP养老基金以来的13年里，KWAP养老金基金的资产配置和绩效。根据现有的养老金资产和负债数据，第四章概述了步骤，并进行了10年预测，以确定养老金基金在未来是否会资金不足。第五章基于情景模拟的四个参数，考察了养老基金是否具有长期可持续性。为了解决这一问题，特别是长寿风险，第六章提出由当局发行长寿债券，以减轻KWAP养老基金面临的长寿风险。

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