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Wealth, Income, and Poverty

Social Security and Retirement Income Adequacy

Publication

Experts say that retirees need 70-80 percent of their prior earnings to keep up their standards of living in retirement. Social Security today replaces less than that – about 40 percent for an average earner at 65. Yet most retirees rely on Social Security for most of their income. This brief focuses on the role of Social Security in producing adequate retirement income.

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National Savings Rate Guidelines for Individuals

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This study creates savings guidelines for typical individuals with different ages, income levels, and initial accumulated wealth so the public can more easily determine how much to save for retirement...The authors recommend that their findings be adopted as national savings guidelines.

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Retirement Savings: How Much Will Workers Have When They Retire?

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This report presents information on trends in retirement plan design and then summarizes data collected by the Federal Reserve Board on the retirement savings accumulated by workers and the rates at which they are saving for retirement.

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Households 'At Risk': A Closer Look at the Bottom Third

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This brief takes a closer look at the National Retirement Risk Index for the bottom third of the population.

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What Moves the National Retirement Risk Index? A Look Back and an Update

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In June 2006, the Center for Retirement Research released the National Retirement Risk Index. This brief looks at the three major factors that have caused the Index to increase since the early 1980s and updates the Index from 2004 to 2006.

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What Happens to Household Portfolios After Retirement?

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This brief analyzes how portfolios evolve with age and how health shocks such as the death of a spouse or a heart attack or stroke affect the composition of household portfolios.

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Will Reverse Mortgages Rescue the Baby Boomers?

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This brief examines the extent to which homeowners can count on housing wealth to support their consumption in retirement, using reverse mortgages.

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Topics in Aging: Income and Poverty Among Older Americans in 2005

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Older persons receive income from a variety of sources, including earnings, pensions, personal savings, and public programs such as Social Security and Supplemental Security Income.

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A New National Retirement Risk Index

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The National Retirement Risk Index measures the share of working-age households who are at risk of being unable to maintain their pre-retirement standard of living in retirement.

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Retirement Savings and Household Wealth: Trends from 2001 to 2004

Publication

Once every three years, the Federal Reserve Board collects data on household assets and liabilities through the Survey of Consumer Finances (SCF). According to the most recent survey, 47.9% of workers under age 65 participated in employersponsored retirement plans — both DB and DC — in 2004, down from 49.6% in 2001.

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