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Defined Benefit vs. Defined Contribution Plans

A Better Bang for the Buck: The Economic Efficiencies of DB Plans

Publication

This report finds that a defined benefit (DB) pension plan can deliver the same level of retirement income to a group of employees at 46% lower cost than an individual defined contribution (DC) account. The report finds that certain built-in features of DB plans enable the systems to be the most fiscally efficient way to provide retirement income. 

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Patience is a Virtue: Asset Allocation Patterns of DB & DC Plans

Publication

This Issue Brief examines how both defined benefit and defined contribution plans invest their assets and how these investments have changed over time.

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Retirement Readiness: What Difference Does A Pension Make?

Publication

This brief reviews the evidence on the role defined benefit pensions play in ensuring that older Americans have the resources they need to be self-sufficient in retirement.

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Investment Returns: Defined Benefit vs. 401(k) Plans

Publication

This report compares and analyzes investment returns from defined benefit pension plans to those of 401(k) plans and IRAs from 1998 to 2004.

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The Value of Defined Benefit Plans

Publication

This brief discusses the differences between defined benefit and defined contribution pension plans, what they mean to long-term retirement goals, and ways to achieve parity between the two types of plans.

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Future Retirement Income Security Needs Defined Benefit Pensions

Publication

The retirement landscape is characterized by three major problems, which can be better addressed by well regulated DB plans than by defined contribution (DC) plans. For one, many private sector employees are not covered by a pension plan. Second, retirement wealth creation has proceeded rather unequally, leaving many low and moderate income families with too few savings.

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