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Pension fund risk management [10]

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Bullet points include: Very important security mechanism in some EU member states Sometimes covers all benefits, sometimes only up to specific limits May cover only some types of (DB) pension schemePremiums paid may include elements of cross-subsidy between schemes (and between generations) Comparison with corresponding protection schemes for insurance indicates (possible) issues with: Moral hazard Cross-subsidies Social / labour aspects of IORPs versus insurance

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