Health and Retirement Study (HRS) using empirical estimates from a structural model of the impact of employer matching on …

-declining percentage of earnings before retirement. This Just the Facts discusses the reasons for keeping benefits up-to-date with either …

two. The implication is that replacement rates — benefits as a percent of pre-retirement earnings — for low earners would …

Financing retirement is one of the major challenges facing an aging U.S. population. If individuals continue to retire … in their early 60s, many will be hard pressed to maintain an adequate standard of living throughout retirement due to the … declining role of Social Security, the shift to 401(k) plans, and low personal saving rates. Combine the retirement income …

A crucial decision facing retirement savers is how to allocate their savings across broad investment classes, including …-border investing would have been advantageous to U.S. retirement savers in the past. The analysis is based on empirical evidence on … returns. The goal is to determine whether U.S. workers would have obtained higher expected retirement incomes, with smaller …

The employment of older workers into their mid-60s will be critical to their ability to ensure a secure retirement. One … course, disrupt their retirement saving plans, and lead to premature retirement. This paper explores the relationship between …

This paper estimates how much people actually receive in retirement relative to earnings before retirement when all … need between 70 and 75 percent of their pre-retirement earnings to maintain their life style once they stop working. The … objective of this study is to determine what people are actually receiving in retirement. Regardless of how retirement income …

little to increase retirement preparedness among lower-income groups. …