| Reference: | 一、英文文獻
1.Barber, B.M., Odean, T., 2004. Are individual investors tax savvy? Evidence from retail and discount brokerage accounts. Journal of Public Economics 88, 419-442
2.Brown, J.R., Mitchell, O.S., Poterba, J.M., 2001. The 3.Role of Real Annuities and Indexed Bonds in an 4.Individual. In: Risk Aspects of Investment-Based Social Security Reform, pp. 321-370. University of Chicago Press
5.Cocco, J.F., Gomes, F.J., Maenhout, P.J., 2005. Consumption and portfolio choice over the life cycle. Review of financial Studies 18, 491-533
6.Coronado, J., Dynan, K., 2012. Changing Retirement Behavior in the Wake of the Financial Crisis. Reshaping Retirement Security: Lessons from the Global Financial Crisis, 13
7.Davidoff, T., 2009. HOUSING, HEALTH, AND ANNUITIES. Journal of Risk and Insurance 76, 31-52
8.Drucker, P.F., 1975. The practice of management. Allied Publishers.
9.Dynan, J.C.a.K., Changing Retirement Behavior in the Wake of the Financial Crisis. <6 changing retirement behavior.pdf>. RC WP2011-07 Pension Research Council Working Paper
10.Gentry, W.M., Rothschild, C.G., 2010. Enhancing Retirement Security Through the Tax Code: The Efficacy of Tax-Based Subsidies in Life Annuity Markets. Journal of Pension Economics & Finance 9, 185-218
11.Gustman, A.L., Steinmeier, T.L., Tabatabai, N., 2009. What the stock market decline means for the financial security and retirement choices of the near-retirement population. National Bureau of Economic Research
12.Kaplan, P.D., 2006. Asset Allocation with Annuities for Retirement Income Management. The Journal of Wealth Management 8, 27-40,5
13.Mitchell, O., 2010. Implications of the Financial Crisis for Long Run Retirement Security. Pension Research Council WP 2
14.Mitchell, O.S., Poterba, J.M., Warshawsky, M.J., 2000. New evidence on the money`s worth of individual annuities. National Bureau of Economic Research
15.Mitchell, O.S., Schieber, S.J., 1998. Defined contribution pensions: new opportunities, new risks. Living with Defined Contribution Pensions, 1-13
16.Spitzer, J.J., 2009. Managing a Retirement Portfolio: Do Annuities Provide More Safety? Journal of Financial Counseling and Planning 20, 58-69+
17.Swanson, E., P., 1987. Capital market integration over the past decade: The case of the US dollar,. Journal of International Money and Finance 6, 215-25
18.World-Bank, 1994a. Averting the Old Age Crisis Summary. Washington, DC: The World Bank
19.World-Bank, 1994b. Averting the Old Age Crisis. Oxford University Press
二、中文文獻
1.人壽保險商業同業公會, 2010. 人身保險業務員資格測驗統一教材.自行出版, pp. 72-73.
2.中華民國人壽保險商業同業公會, http://www.lia-roc.org.tw. URL http://www.lia-roc.org.tw
3.內政部統計處, http://www.moi.gov.tw/stat/index.asp. URL http://www.moi.gov.tw/stat/index.asp
4.公校退休制度因應授權小組編輯群, 2013. 吃定你不搞不懂？~官版年金爛案大破解. 全國教師工會總聯合會.
5.公務人員退撫基金, 20130401. www.fund.gov.tw
6.方明川, 1995. 個人年金保險新論. 作者自制 , pp. 42-98.
7.王文忠, 2010 一月. 公教人員保險制度之養老給付年金制
之探討. 文官制度季刊, pp. 99-141
8.王麗玲, 1994. 我國公務人員兼採儲金制之可行性分析
公務人員月刊 94期
9.王麗婷, 2006. 公務人員退休制度附加採行節約儲蓄制度之投資策略模擬分析. 國立政治大學風險管理與保學系碩士論文.
10.王儷玲, 2000. 退休財務規劃與年金保險. 退休基金季刊 第一卷，第二期, 9-28
11.王儷玲, 2003. 公務人員保險養老給付年金化之可行性研究. 銓敘部退撫司, 台北.
12.王儷玲, 2011. 公務人員退休制度介紹. Fischer M . 國立政府大學風險管理與保險碩士班退休金課程上課資料
13.吃定你搞不懂？官版年金爛案大破解！, 2013. 全國教師會.
14.年金改革網, http://www.cepd.gov.tw/pension/
15.行政院主計處, http://www.dgbas.gov.tw. URL http://www.dgbas.gov.tw
吳秀蓮, 2002. 公務人員退休金確定提撥制精算之研究--高中職教師個案分析.
16.呂淑芳, 2004. 公務人員新制退休金採行確定提撥制之研究.
17.周行一, 2004. 不理財也發財. 天下遠見出版股份有限公司.
18.周行一, 2006. LIFE理財學. 天下遠見出版股份有限公司.
侯俐安, 2013. 3.5萬老師上凱道 批年金改革暴衝. 中國時報
19.桃園縣立永豐高中人事室, http://www.yfms.tyc.edu.tw/person/list.htm. URL http://www.yfms.tyc.edu.tw/person/list.htm
20.財團法人保險事業發展中心, http://www.iiroc.org.tw
21.退休撫卹基金第4次精算評估報告書, 2010. 公務人員退休撫卹基金管理委員會
22.張金鶚, 2010. 張金鶚的房產七堂課. 方智.
23.教育部退撫管理系統, http://www.retire.moe.edu.tw/
24.游文伶, 2004. 個人商業年金保險在退休規劃的重要性與最適配置. 國立政治大學商學院經營管理碩士學程風險管理與保險研究組碩士論文.
25.廖勇誠, 2012. 個人年金保險商品實務與研究. 鑫富樂文教事業有限公司.
26.認證系列課程CFP-「員工福利與退休金規劃」研發小組, 2005. CFP員工福利與退休金規劃. |
