This paper presents survey results on the incidence of IRA ownership in the United States and the activity of IRA-owning households. In mid-2020, 37 percent of US households owned individual retirement accounts (IRAs), most commonly traditional IRAs. More than eight in 10 IRA-owning households...

This paper presents survey results on the incidence of individual retirement account (IRA) ownership in the United States and the contribution, rollover, and withdrawal activity of IRA-owning households. In mid-2021, 37 percent of US households owned IRAs. More than eight in 10 IRA-owning...

This paper presents survey results on the incidence of individual retirement account (IRA) ownership in the United States and the contribution, rollover, and withdrawal activity of IRA-owning households. IRAs play an important role in US households’ retirement saving: In mid-2022, more than...

New research was prepared for this testimony to explore how the probability of a “successful” retirement varies with the percentage of the 401(k) balance that is used to purchase a deferred income annuity (DIA). Results are provided for all households (with a 401(k) balance) combined as well...

This paper helps answer one of the most important questions that many defined contribution participants face before retirement: How much do I need to save each year for a “successful” retirement? It begins with a brief description of EBRI's Retirement Security Projection Model,® followed by...

In recent years, the prospect of increasing individual interest in annuitizing retirement savings has been enhanced through an insurance product designed to provide monthly benefits only after a significant deferral period in retirement. In 2014, one of the major constraints of using this type...