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The Calculus of Retirement Income: Financial Models for Pension Annuities and Life Insurance

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Review

"This very readable book is a landmark in the area of life insurance, pensions and long risk analysis. Integrating actuarial and financial approaches, the book provides an approach which is both theoretically elegant and practical in applications. It is highly recommended for both academics and those in industry." -Michael Orszag, Watson Wyatt"Millions of baby boomers turning 60 have suddenly awakened to the need to protect their retirement futures. The Calculus of Retirement Income is a useful tool for those devising sensible financial plans and helping manage wealth in the face of capital market and mortality risk. Witty, serious, and entertaining at the same time, the volume will be an invaluable resource for actuarial and financial students, practitioners, and researchers interested in actuarial and financial strategies to avoid ruin." -Olivia S. Mitchell, The Wharton School"This is a wonderful reference book for anyone interested in the quantitative modeling of pensions and retirement income. I plan to use it in the course in advanced topics in investing that I teach to MBAs at Boston University." -Zvi Bodie, Boston University"Almost everyone needs to plan for retirement. But investment planners and actuaries can rarely share their expertise. Moshe Milevsky mathematically puts it altogether, while still making his book accessible to students and quantitatively oriented professionals. Wonderful as a text or reference book!" -Roger Ibbotson, Chairman of Ibbotson Associates and Yale University"Dr. Moshe Milevsky has just published a book any serious financial advisor should read...Milevsky has long been one of the most compelling theorists on calculating the odds of outliving one's money...this book should make the average financial professional feel humble. In contrast to the knee-jerk platitudes so many industry members dispense to clients, Milevsky delivers page after page of solid financial analysis. Even those who can follow the math will be hard-pressed to answer the problems he poses at the end of each chapter." -Jonathan Chevreau, Financial Post"...this book has a unique approach in that it normatively explores how to structure financial issues during the retirement period...This volume is a must-have for anyone interested in quantitative financial planning." -Raimond Maurer and Wolfram Horneff, Journal of Pension Economics and Finance

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Book Description

This 2006 book develops the underlying mathematical framework to combine investment with the uncertainty of mortality. The results, formulas and examples should also help retirees better manage their financial affairs, in addition the instructors teaching their material to the next generation of financial advisors.

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Product details

Hardcover: 336 pages

Publisher: Cambridge University Press (March 13, 2006)

Language: English

ISBN-10: 0521842581

ISBN-13: 978-0521842587

Product Dimensions:

6.3 x 0.5 x 9.1 inches

Shipping Weight: 1.2 pounds (View shipping rates and policies)

Average Customer Review:

4.6 out of 5 stars

8 customer reviews

Amazon Best Sellers Rank:

#610,566 in Books (See Top 100 in Books)

Well written, rigorous enough yet quite practical. Complete with worked-out examples. Covers a breadth of topics, including bond math, annuities and survival modeling. Recommended.

Perfect for me a wanna-be actuary puzzled by people throwing out 4% withdrawal rules and 20% savings rates and wondering where in the hell those numbers came from. This book explains the formulas used to derive them and enables you to apply your own assumptions and get your own numbers. Full explanation of why he prefers a probability distribution for expected returns rather than montecarlo simulations using historical returns. Formulas given give you confidence that your monte carlo model is giving you reasonable results.Not all formulas derived from scratch, but proof available on the web.Essential if you want to "do the math" or make reasonableness checks on monte carlo model outputs.

I read the book from front to cover. It's combination of actuarial principles and the application to highly relevant retirement issues is unique. Most of the actuarial books are impossible to read even for well trained economists. A way to keep consulting income for actuaries? There is a huge gap between finance people and insurance guys. Milevskys book is a long needed and important step to bring those two branches closer together - to start solving real problems in real life. A must have on the desk of financial planners, retirement economists and bankers looking for problems which are difficult but relevant in application.

Pretty great; calculus review is essential.

Arrived as promised.

I had purchased this book when if was first published and have now come back to it after reading his recent work (link below). This earlier book is a very detailed discussion of the computations that go into the question of retirement income. For those who are math oriented, this is a good book to begin to get insight into solving the retirement income question. He has a supporting website at [...].For those who would like to have insight into how to apply this math, his more recent book Are You a Stock or a Bond? Create Your Own Pension Plan for a Secure Financial Future will help, and it is an easier read for most, especially the non math oriented.As a holder of a physics degree, the math so far applies to static periods, i.e. considering what age a person currently is (t for time is static). However, the time period continually decreases since longevity is continually shortening as a person ages. Therefore, the time should be evaluated as delta t or changing time. In practice, I see this difference between ages emerge as I evaluate different situations. Readjusting the formula for each age, as one ages, does not work since in practice this results in taking more out early and having to retrench later.However, getting deeper insight into the mathematical approach is extremely enlightening and useful to those who are so oriented.Wealth Odyssey: The Essential Road Map For Your Financial Journey Where Is It You Are Really Trying To Go With Money?

I purchased this book over a month ago. I expected to receive additional supporting materials which would greatly aid my understanding of the various formulas used throughout the book. The additional supporting material has yet to be posted. As such, currently, i feel i have been overpromised and underdelivered.

The bar must be raised for financial planners . . .this book does the trick.

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Review

The thinking person's guide to improving your social skills - Amazon ReaderPractical advice from a warm-hearted author - Amazon ReaderNon-manipulative and authentic - Amazon ReaderOne of the best books on social skill improvement I've ever read - Amazon Reader

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About the Author

I'm Daniel Wendler, and I'm the author of ImproveYourSocialSkills.com. I believe everyone deserves a place where they belong, so I wrote Improve Your Skills to give people the tools they need to connect with others. I overcame the social challenges of Asperger's through intensive study of social skills, and Improve Your Social Skills is based in my own experience. I like people, so feel free to get in touch at DanielWendler.com. If you'd like to learn more about my story, check out a TEDx talk I gave on my life at bit.ly/tedxdan or read what I believe at ImproveYourSocialSkills.com/Manifesto Thanks, and good luck as you improve your social skills!

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Product details

Paperback: 218 pages

Publisher: CreateSpace Independent Publishing Platform (September 12, 2014)

Language: English

ISBN-10: 1517309328

ISBN-13: 978-1517309329

Product Dimensions:

6 x 0.5 x 9 inches

Shipping Weight: 12 ounces (View shipping rates and policies)

Average Customer Review:

4.3 out of 5 stars

108 customer reviews

Amazon Best Sellers Rank:

#14,769 in Books (See Top 100 in Books)

I was looking for a book to give to my daughter to help her with her social skills. She is 14 and does not have a diagnosis, but had shared with me that she struggles with certain social skills ( such as being aware that the feelings of others might be different than her own, or how to support a friend who is going through a difficult time). A lot of the books out there about improving your social skills are either too clinical, aimed at younger kids, or are meant for professionals looking to network better. I read this through before giving it to my daughter. I like the author's overall approach and the constant emphasis on sincerity and kindness in relationships. He presents social skills in terms of fairly easy to remember principles, rather than a lot of theory, abstract ideas, or case studies (there are some personal examples though). Although the target audience seems to be young adults, I found that it was very appropriate for my daughter. I was a little nervous about the chapter on relationships, but was relieved that the author's values align fairly well with my own and I felt comfortable with my daughter reading it. My daughter hasn't shared with me her thoughts about it ( but that's par for the course with her) but she was happy about the idea of having a book to refer to. It was actually a revelation to her that social skills are something that she can learn more about and get better at. I work in the special education field, and I will be recommending this book to students and parents.

While many guides will tell you to go out and make friends, or to engage someone in conversation, or to make eye contact, they don't explain exactly how to go about each of those activities. In Improve Your Social Skills, author Daniel Wendler breaks down each component of social interaction in a way that is friendly, understandable, and practical.While many guides meticulously go through each and every body signal a person may project, this guide simply breaks down body language into two categories - "open" and "closed." Done! Now instead of over-analyzing someone's body language, I can focus on the other person and the conversation!While many guides promote tricks and gimmicks to put people down and artificially project confidence, Improve Your Social Skills stresses the importance of respect and relationship. I don't have to pretend to be someone else or put on airs or play a part. Instead, this guide encourages me to be my best self and make fruitful and lasting friendships with others to help them be their best selves, too.Although it would have been nice to see some tips or examples regarding workplace behavior and professionalism, I love this guide for the subjects it does cover. This guide is unlike any other, and I can't recommend it enough.

This is a fantastic book for getting started on social skills. I work as a mental health counselor in Portland, OR and I often work with individuals with disabilities. And whether there's the presence of a disability or not, this book has served as a great resource for clients looking to work on their social skills. For professionals who are browsing: this book (and Daniel's website) can serve as a great independent resource for clients or the skills in the book can serve as a great jumping-off point or structure for when you're seeing a client. Daniel differentiates and concretizes each skill masterfully enough that it is easy to use parts (or all) of the book in a way that is tailored to the client in front of you. I'm happy I took a chance on this book!

This is not your usual learning how to make conversation book. The author writes simply and is very encouraging. I now have a better understanding of conversational skills and am putting to use what I learned here. My only complaint is that this book, as well as many others I have read lately, needs better proofreading! Years ago you never saw mistakes in a book. Now I find mistakes all the time. What's going on?

This book is wonderful! Lays out a very solid ground work to build on. I transitioned from this book to How to Talk to Anyone: 92 Little Tricks for Big Success in Relationships by Leil Lowndes and both compliment each other so well.

This book by Daniel Wendler could just as well be entitled: The Thinking Person’s Guide to Improving Your Social Skills. I say that because of the methodical, thoughtful and flowing way the author guides us through the complex maze of social interactions in which we find ourselves.I found the conversational process of using questions, which the author calls “invitations,” and the telling of something from our own experience that opens the conversation up for our partner to comment on or question, which the author calls “inspirations,” to be very helpful when breaking down the dynamic of a conversation.Being frequently in situations that require entering into a group conversation, such as at dinner parties or professional meetings, the section on helpful ways to enter into those group conversations, and also on the importance of including others in group conversations that we have already entered into, was very useful.One part of the book speaks to gauging the “energy level” of the person or group that you are entering into a conversation with. This is something I hadn’t thought of before, but is going to become an important part of my own process of entering into conversations and relationships.Finally, the chapters on meeting new friends and how to decide if those friendships are going to be healthy, along with how to maintain and nurture those relationships was the most satisfying to me personally. I have found that as you age, the process of identifying who might be a good friend and then figuring out how to maintain that friendship along with all the other priorities of life can be very difficult. I plan on utilizing the helpful information in those chapters to gain a new friendship and to nurture it once started.Bravo on a great book Daniel!

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