This paper reports findings of the 15th annual Retirement Confidence Survey (RCS), which points to potential solutions to the American retirement savings problem, specifically ways that could help workers save more through their employment-based retirement plans. The RCS again finds that a...

The two main savings vehicles designed for accumulating assets for retirement are individual retirement accounts (IRAs) and employment-based retirement savings plans such as 401(k) plans. This paper examines the ownership of IRAs (in aggregate, but not by type) and 401(k)-type plans by Americans...

Using Survey of Income and Program Participation (SIPP) data from the U.S. Census Bureau, characteristics of individual retirement account (IRA) owners ages 21 and over are examined. Approximately, 16 percent of Americans ages 21 and over owned an IRA early in 1997, with an average balance of...

This paper presents key findings from the 23rd annual Retirement Confidence Survey (RCS), a survey that gauges the views and attitudes of working-age and retired Americans regarding retirement, their preparations for retirement, their confidence with regard to various aspects of retirement, and...