By Leslie Hannah
Pension money now account for a wide component to old-age earning, of capital possession, and of worker fringe advantages. 100 years in the past they rarely existed. This ebook, first released in 1986 through one in every of Britain's top enterprise historians, examines the interaction of commercial, political and social forces during this profound transformation, exhibiting why old-age saving turned rooted within the employment agreement. The research is predicated on historic fabrics on pension money, such a lot of that have by no means formerly been analysed, yet this new interpretation is skilfully interwoven with the extra general tale of the improvement of country welfare and of body of workers administration. the unique point of view of the publication may be of curiosity not just to economists, historians and sociologists, yet to practitioners within the box of pensions administration and old-age welfare who desire to comprehend the limitations and possibilities supplied for contemporary pension layout via the legacy of the prior.
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Additional info for Inventing Retirement: The Development of Occupational Pensions in Britain
It was cheaper to establish than a statutory fund, and it was agreeably flexible: creative lawyers could draw up a trust deed with virtually any characteristic the employer chose. Those who wished to retain control of the funds themselves found, for example, that they could do so de facto by appointing all the trustees themselves, and many schemes of this nature were founded. e. entirely financed by the employer), so that all rights to pensions or refunds were lost by employees who left the firm.
4 in numbers of funds, boosted after the War by the increasing attraction of the tax concessions. The middle curve shows the rising membership of the Association of Superannuation and Pension Funds.
17 For example, the directors of Colmans, the large, Norwich-based mustard firm, decided at the turn of the century to replace their existing system of ex gratia pensions. They proposed to set up a trust fund providing clear rights to the pension benefits on a more generous scale than was being discussed for the state scheme and, at the same time, to encourage private thrift among their employees. Their initiative was given a cordial reception by the men. Under the scheme, formally inaugurated in 1900, the trustees provided pensions of eight shillings a week at age sixty-five, funded entirely by the firm, to any man who saved twopence a week.