Almost a century and half of evidence suggests that only individuals who start saving for retirement in the later … stages of population busts and the early stages of population booms spend most of their retirement planning phase in bull …-age to young population — is the most pertinent determinant of intergenerational variations in retirement planning results …

There is a growing retirement crisis and most of the focus has been on the fact that individuals are not saving enough … for retirement, may not have access to pension schemes, or are financially illiterate. More critically, assets …/financial products available to investors, may not be appropriate for the typical individual saving for retirement. The goal of …

Americans are rapidly losing their pensions — replaced by savings plans disguised as retirement plans.Many sponsors … bearing all of the costs and risks of DB. This paper explores how hybrid plans offer a more flexible approach to retirement …

Collectively, Americans are woefully unprepared financially for retirement. This retirement problem actually reflects a … participants.To achieve success, in our view the retirement plan of the future needs these features:• Contribution levels should be ….• Longevity risk should be minimized by pooling individual participants' assets with others.• Retirement age should be deferred …

retirement security, enhancing welfare by up to 20% of retiree plan accruals. …

The premise of this article is that there is no effective scientific approach to retirement financial planning. Given … attempting to analyze and solve problems where there is no certainty. When I began my own retirement planning, I researched the … subject thoroughly. I could do a reasonable job of estimating my range of spending needs in retirement, but I realized that …

This study completes a series using the Retirement and Pension Plan Coverage Topical Module of the 1996 Survey of … detailed questions concerning workers' employment-based retirement plans. Specifically, it examines not only the percentage of … employment-based retirement plans; and a comparison of the standard of living of individuals age 55 or older with the standard …

used for rebalancing purposes. We argue that the optimal retirement product for a household is much more complex than any …

State sponsored retirement plans have been proposed and implemented to provide people with new access to defined … contribution retirement opportunities. Many of these people have no other options and typically have low income and are less …