Retirement Accounts (IRAs) workers who are not offered a retirement plan by their employer. But the designers of state-run auto …-IRA plans fail to consider three questions: Do the poor need to save more for retirement? Will state-run auto-IRA plans increase … net household savings? And, after accounting for interactions with means-tested government transfer programs, will state …

can be a useful tool in approximating the life cycle model's predictions for how households wish to prepare for retirement … retirement income replacement rates, each of which find that Social Security benefits replace about 40 percent of a typical … retiree's pre-retirement earnings. Some interpret these figures as indicating that Social Security benefits are insufficiently …

There are adjustment factors for early and late claiming of retirement benefits in Social Security which depend on the …, under current interest and mortality rates, the early retirement factors for workers should be about 16 percent higher than … current factors; this change, reducing the early retirement penalty, would generally favor the poorer and minorities, who …

Working paper on thepolicy implicationsof pay-as-you-go retirement plansin regard totax and benefit timing. …