1. The typical treatment of inflation in retirement planning textbooks is too complex and is not reasonable in terms of … understand projections.5. In calculating the capital needs for retirement, inflation-adjusted rates of return for each step … should be chosen based appropriate portfolio choices for before and after retirement …

This study examines the divergence between objective and subjective assessment of retirement adequacy, analyzing U … with objective inadequacy, and what factors were related to being an optimist despite having objective retirement …

Previous retirement adequacy studies have ignored expected retirement income stages. Ignoring retirement income stages … results in biased estimations of retirement adequacy. This study analyzes retirement income stage theoretically and then … and/or spouse/partner age 35-70 and working full-time will have more than one retirement income stage. When income stages …

Worker decisions on retirement account participation and their investment choices for retirement accounts play an … important role in post-retirement income. The interaction between the decisions of husbands and wives was investigated by using … the decisions was found. Risk tolerance and the expected time horizon until retirement are important factors in the …

for working indefinitely. Most workers stating that they would never retire probably would have expected retirement ages … under 67, if they had planned for retirement. Evaluations of retirement adequacy of workers should carefully consider the … retirement …

Lack of financial sophistication has been suggested as a cause of retirement plan failure. We extend previous studies … of retirement adequacy by testing the effect of financial sophistication proxies on projected retirement adequacy, using … 60 are adequately prepared for retirement in 2010, compared to 58% in 2007. Our multivariate analysis shows that college …

We extend previous studies of retirement adequacy by testing the effect of financial sophistication on projected … retirement adequacy. In an analysis of the 2010 Survey of Consumer Finances (SCF) dataset, we found that only 42% of households … are adequately prepared for retirement compared to 58% in 2007. We tested the effects of three proxies for financial …

Little previous research on planned retirement ages has analyzed factors related to whether workers say they will never … retire. This issue is important both in financial planning and in assessments of retirement adequacy. Using the 1995, 1998 … categories of planned retirement age. For the 1995 to 2007 SCF datasets, 14% to 16% of workers stated they would never retire …

Early distributions from retirement accounts could endanger future retirement income security, and the U.S. has … restrictions to discourage them, including possible tax penalties. On the other hand, tapping one's retirement assets may be … (CARES Act), early distribution from retirement accounts became an even more attractive option to individuals. In this study …