Is the current mix of tax preferences for employer-sponsored pensions and individual retirement saving in the U ….S. delivering the best possible retirement-preparedness across and within generations? Using data from the triennial Survey of … Consumer Finances for 1989 through 2013, cohort-based analysis of life-cycle trajectories shows that (1) overall retirement …

Health and Retirement Study (HRS), for 60 percent of total wealth of HRS households who are in the 45th to 55th wealth …Together, pensions, social security and health insurance account for half of the wealth held by all households in the … percentiles, and even for 48 percent of wealth for those in the 90th and 95th wealth percentiles. The HRS surveys households aged …

criterion to rank them but that the retirement motive is the most important saving motive of European households if the … importance of each saving motive, with saving for the retirement motive being less important in countries with generous public … findings suggest that the retirement motive and the precautionary motive are the dominant motives for saving in Europe partly …

Retirement wealth is often viewed as a great equalizer, offsetting the inequality in standard household net worth. One … Board's Survey of Consumer Finances, I find that retirement wealth (the sum of pension and Social Security wealth) had a … modestly between 1983 and 2001, the inequality of augmented wealth (the sum of retirement wealth and net worth) surged from …

The approaching retirement of the baby boom generation has attracted both research and public policy attention. Many … changes occurred during the second half of the twentieth century, changes likely to affect the retirement economic security of … recent cohorts. Using data from the Health and Retirement Study, we compare pension participation and nonpension net worth of …

most common strategy: delaying tapping housing wealth until financial wealth is exhausted and then taking a line of credit …. In addition, the results show that housing wealth displaces bonds in optimal portfolios, making the low rate of …

equalized. This article contributes to the discussion by studying the determinants of retirement wealth across a range of … ethnicities, including White, Pasifika and Asian. Differences in retirement wealth between ethnic groups is relatively unexplored … economic factors are the main determinants of retirement wealth. Gender and ethnicity are found to be a strong predictor of …

into a more conservative investment portfolio as retirement approaches, as a suitable way to provide for the retirement … wealth. We find that investors with very reasonable amounts of risk aversion may prefer the lifecycle approach, despite the … tendency for aggressive fixed allocation strategies to produce larger expected wealth …

We investigate the wealth decumulation decision from the perspective of a retiree who is averse to the prospect of … choice, the most important self-reported considerations for the wealth decumulation decision are a low probability of … determinants of the decision of how much wealth individuals are willing to draw down, we identify consumers' attitudes towards …