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1 Million Affected by De-Risking in 5 Years, PBGC Says

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More than a million defined benefit plan participants in larger plans were affected by pension de-risking activities from 2009 through 2013, and more than half of those were involved in 2012 transactions, the Pension Benefit Guaranty Corporation said in a report.

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The Inefficiencies of Existing Retirement Savings Incentives (October 2015)

Publication

America’s middle class faces a growing retirement crisis. More than half of all working-age households are expected to be at risk of having to cut back their standard of living—often making painful adjustments—when they retire. There are several reasons for the ever-larger looming crisis, but people’s inability to save enough money is a key obstacle to achieving more retirement security.

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A Tale of Two Retirements (October 2015)

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This report is a “Tale of Two Retirements”: one for CEOs of large U.S. corporations and the other for the rest of us. Retirement benefits for CEOs at corporations have exploded while the rest of Americans struggle to save for retirement.

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2015 Gender Gap in Financial Wellness

Publication

This study quantifies the gender gap in retirement preparedness and money management between men and women, both of which have significant implications to employers and the economy as a whole.

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Women and the Retirement Gap

Publication

The report details how women often struggle with financial hardship in retirement more than men, and among women 65 and older, the poverty rate is nearly double that of men in the same age group.

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Retirement Security 2015: Roadmap for Policy Makers | Americans’ Views of the Retirement Crisis

Publication

A new nationwide public opinion research report finds that an overwhelming majority of Americans – 86 percent – believe the nation faces a retirement crisis. These findings are contained in a new research report...

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Retirement Savings Flows and Financial Advice: Should You Roll Over Your 401(k) Plan?

Publication

This paper addresses several issues relating to rollovers from 401(k) plans to IRAs, including the extent of inertia among pension participants, the extent to which defaults (which are to not rollover) are effective in influencing behavior of participants, the extent of financial errors made by pension participants, the quality of advice pension participants are receiving (and how that may be a

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Fixing the Drain on Retirement Savings

Publication

Less than one in five American workers in private industry has access to defined benefit pension plans. As a result, most Americans’ quality of life during retirement depends on whether they have invested in retirement savings vehicles such as 401(k)s and Individual Retirement Accounts, or IRAs, and how their investments perform.

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Women hit harder than men by retirement

News Item

Both men and women are facing a retirement crisis, but it disproportionately affects women, according to the Pension Rights Center. The retirement income deficit is $6.6 trillion, which is the gap between what people have currently saved and what they will need to retire comfortably. Women continue to be hit the hardest, even though more women are working than ever before.

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Private Pensions: Pension Tax Incentives Update

Publication

We issued reports in 2001 and 2011 that, among other things, examined the trends in plan formation and the characteristics of participants affected by the statutory limits for contributions to defined contribution (DC) plans.

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