withdrawals than older households, both in absolute dollar amounts as well as a percentage of IRA account balance. The bottom-income … annual percentage of account balance withdrawn (17.4 percent) was higher than the rest of the income distribution. Among … to 70) that made IRA withdrawals spent most of it, while for those between 71 and 80 there was some increase in savings …

analysis (from 2006), which quantified how different types of risk (investment income, longevity, and long-term care risk …), asset allocation, and percentage of annuitization affect retirement income adequacy. It analyzes how differently immediate … and longevity annuities can affect probable income adequacy in retirement by taking into account long-term health care …

earners are higher. Additional savings made over the seven years remaining until retirement will raise those replacement rates … adjustments made for the absence of preretirement savings, children, taxes, work related expenses and other factors, these … are not consistent with a simple life cycle explanation for savings. They also raise questions about whether pensions are …

-varying investment opportunities and countercyclical risky labor income dynamics. We show that households near retirement will reduce …

these relate to financial resources in retirement. Retirement income and wealth at retirement is, as expected, positively … correlated with lifetime earnings but there is also substantial dispersion in retirement income and retirement wealth among … earnings ; savings ; wealth ; retirement …

those who remain in the labor force after leaving a job. Second, a decision to take cash out of accumulated savings declined …

highly likely to maintain the IRA as a source of income throughout retirement, further study is needed to see if these … and Health Savings Accounts, 2006-2013.” …