This study examines the divergence between objective and subjective assessment of retirement adequacy, analyzing U … with objective inadequacy, and what factors were related to being an optimist despite having objective retirement …

I review the academic literature on defined contribution retirement plan design and participant behavior. While … employer-based retirement savings and liquid savings, the pros and cons of target date funds as default investment options …

Empirical analyses of the effects of public and private pensions on household saving impose strong assumptions in order … results indicate that private pensions in the US crowd out less than $0.15 of household saving per dollar of pension wealth … to obtain a tractable empirical model: fixed retirement and pension claiming ages, no borrowing constraint, little or no …

-owning households. In mid-2020, 37 percent of US households owned individual retirement accounts (IRAs), most commonly traditional IRAs …. More than eight in 10 IRA-owning households also had employer-sponsored retirement plan accumulations or had defined … benefit plan coverage. All told, more than six in 10 US households had retirement plans through work or IRAs; more than three …

This paper presents survey results on the incidence of individual retirement account (IRA) ownership in the United … households owned IRAs. More than eight in 10 IRA-owning households also had employer-sponsored retirement plan accumulations or … employer-sponsored IRAs. Rollovers from employer-sponsored retirement plans have fueled the growth in IRAs. In mid-2021, 57 …

households’ retirement saving: In mid-2022, more than four in 10 US households owned IRAs. Traditional IRAs were the most common …This paper presents survey results on the incidence of individual retirement account (IRA) ownership in the United … often also had employer-sponsored retirement plan accumulations or had DB plan coverage. Rollovers from employer …

We extend previous studies of retirement adequacy by testing the effect of financial sophistication on projected … retirement adequacy. In an analysis of the 2010 Survey of Consumer Finances (SCF) dataset, we found that only 42% of households … are adequately prepared for retirement compared to 58% in 2007. We tested the effects of three proxies for financial …

We estimate the effect of employer offers of retiree health benefits (RHBs) on the timing of retirement using a sample … of men observed over a period of up to 12 years in the Health and Retirement Study (HRS). Our main concern is that such … estimates may be contaminated by unobserved heterogeneity-workers with a taste for early retirement sort into jobs offering RHBs …