A. “401(k)/IRA Holdings in 2019: An Update from the SCF,” by Alicia H. Munnell and Anqi Chen (IB No. 20-14, October 2020, .pdf and Excel format, 12p.).
crr.bc.edu/briefs/401k-ira-holdings-in-2019-an-update-from-the-scf/
B. “2020 Public Plan Investment Update and COVID-19 Market Volatility,” by Jean-Pierre Aubry (SLP No. 73, September 2020, .pdf and Excel format, 7p.).
crr.bc.edu/briefs/2020-public-plan-investment-update-and-covid-19-market-volatility/
“What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Plan Account Balances, 2010–2018,” by Sarah Holden, Jack VanDerhei, and Steven Bass (September 2020, .pdf format, 19p.). Note: EBRI requires free registration prior to providing access at full-text.
“EBRI IRA Database: IRA Balances, Contributions, Rollovers, Withdrawals, and Asset Allocation, 2017 Update,” by Craig Copeland (September 2020, .pdf format, 54p.). Note: EBRI requires free registration prior to providing content.
“Having Both a 401(k) Plan and an IRA: How Much Does This Change the Retirement Asset Picture?” by Craig Copeland (August 2020, .pdf format, 32p.). Note: EBRI requires free registration prior to providing full-text.
“IRA Withdrawal Patterns in Times of Crisis,” by Zahra Ebrahimi (August 2020, .pdf format, 18p.). Note: EBRI requires free registration prior to providing access to full-text.
www.ebri.org/content/ira-withdrawal-patterns-in-times-of-crisis
“Withdrawal Activity of Individuals Owning Both Traditional and Roth Individual Retirement Accounts,” by Craig Copeland (March 2020, .pdf format, 25p.). Note: EBRI requires free registration prior to providing access to content.
“Auto-IRA Rollout Gradually Speeding Up,” by Anek Belbase, Laura D. Quinby and Geoffrey T. Sanzenbacher (IB No. 20-5, March 2020, .pdf and Excel format, 8p.).
A. “Individual Retirement Accounts: IRS Could Better Inform Taxpayers about and Detect Noncompliance Related to Unconventional Assets,” (GAO-20-210, January 2020, .pdf format, 40p.).
www.gao.gov/products/GAO-20-210
B. “Private Pensions: IRS and DOL Should Strengthen Oversight of Executive Retirement Plans,” (GAO-20-70, January 2020, .pdf format, 76p.).
Links to an abstract are available. For full text availability check your organization’s library. “Target Date Funds and Portfolio Choice in 401(k) Plans,” by Olivia S. Mitchell and Stephen Utkus (w26684, January 2020, .pdf format, 32p.).
A. “How Cognitive Ability and Financial Literacy Shape the Demand for Financial Advice at Older Ages,” by Hugh Hoikwang Kim, Raimond Maurer, and Olivia S. Mitchell (WP2020-02, January 2020, .pdf format, 28p.). Note: Links to the abstract and the full text of this paper available at:
repository.upenn.edu/prc_papers/574/
B. “Target Date Funds and Portfolio Choice in 401(k) Plans,” by Olivia S. Mitchell and Stephen P. Utkus (WP2020-03, January 2020, .pdf format, 33p.). Note: Links to the abstract and the full text of this paper available at:
“Participation and Leakages in Oregon’s Auto-IRA,” by Laura D. Quinby, Wenliang, Hou Anek Belbase, and Geoffrey T. Sanzenbacher (WP 2019-15, November 2019, .pdf and Excel format, 20p.). Note: Links to the abstract and the full text of this paper available at:
crr.bc.edu/working-papers/participation-and-leakages-in-oregons-auto-ira/
“Why Are 401(k)/IRA Balances Substantially Below Potential?” by Andrew G. Biggs, Alicia H. Munnell, and Anqi Chen (WP No. 2019-14, November 2019, .pdf and Excel format, 27p.). Note: Links to the abstract and the full text of this paper available at:
crr.bc.edu/working-papers/why-are-401k-ira-balances-substantially-below-potential/
“Comparing Asset Allocation Before and After a Rollover From 401(k) Plans to Individual Retirement Accounts,” by Craig Copeland (November 2019, .pdf format, 23p.). Note: EBRI requires free registration to access content.
“How Would 401(k) ‘Rothification’ Alter Saving, Retirement Security, and Inequality?” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (WP 2019-20, October 2019, .pdf format, 34p.). Note: Links to the abstract and the full text of this paper available at:
Links to an abstract are available. For full text availability check your organization’s library.
A. “Implications of Money-Back Guarantees for Individual Retirement Accounts: Protection Then and Now,” by Vanya Horneff, Daniel Liebler, Raimond Maurer, and Olivia S. Mitchell (w26406, October 2019, .pdf format, 56p.).
B. “Spending Reductions in the Medicare Shared Savings Program: Selection or Savings?” by J. Michael McWilliams, Laura A. Hatfield, Bruce E. Landon, and Michael E. Chernew (w26403, October 2019, .pdf format, 60p.).
“Implications of Money-Back Guarantees for Individual Retirement Accounts: Protection Then and Now,” by Vanya Horneff, Daniel Liebler, Raimond Maurer, and Olivia S. Mitchell (WP2019-19, October 2019, .pdf format, 56p.). Note: Links to the abstract and the full text of this paper available at:
Links to an abstract are available. For full text availability check your organization’s library.
A. “Retirement Policy and Annuity Market Equilibria: Evidence from Chile,” by Gastón Illanes and Manisha Padi (w26285, September 2019, .pdf format, 58p.).
B. “Work after Retirement: Worklife Transitions of Career Public Employees,” by Robert L. Clark, Robert G. Hammond, and Siyan Liu (w26272, September 2019, .pdf format, 34p.).
C. “Does Automatic Enrollment Increase Contributions to Supplement Retirement Programs by K-12 and University Employees?” by Robert L. Clark and Denis Pelletier (w26263, September 2019, .pdf format, 31p.).
D. “Primary Care Physician Practice Styles and Patient Care: Evidence from Physician Exits in Medicare,” by Itzik Fadlon and Jessica N. Van Parys (w26269, September 2019, .pdf format, 38p.).
“The Impact of Auto Portability on Preserving Retirement Savings Currently Lost to 401(k) Cashout Leakage,” by Jack VanDerhei (August 2019, .pdf format, 24p.). Note: EBRI requires registration prior to providing access to full-text.
Links to an abstract are available. For full text availability check your organization’s library. “Tax-Sheltered Retirement Accounts: Can Financial Education Improve Decisions?” by M. Martin Boyer, Philippe d’Astous, and Pierre-Carl Michaud (w26128, August 2019, .pdf format, 50p.).
“Reducing regulatory obstacles to annuities in 401(k) plans,” by J. Mark Iwry, William G. Gale, David C. John, and Victoria Johnson (July 2019, .pdf format, 36p.).
www.brookings.edu/research/reducing-regulatory-obstacles-to-annuities-in-401k-plans/
“Individual Retirement Accounts: Formalizing Labor’s and IRS’s Collaborative Efforts Could Strengthen Oversight of Prohibited Transactions,” (GAO-19-495, June 2019, .pdf format, 30p.).
“Automatic enrollment in 401(k) annuities: Boosting retiree lifetime income,” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (June 2019, .pdf format, 14p.).
www.brookings.edu/research/automatic-enrollment-in-401k-annuities-boosting-retiree-lifetime-income/
A. “Using behavioral insights to increase annuitization rates: The role of framing and anchoring,” by Abigail Hurwitz (June 2019, .pdf format, 18p.).
B. “Automatic enrollment in 401(k) annuities: Boosting retiree lifetime income,” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (June 2019, .pdf format, 14p.).
www.brookings.edu/research/automatic-enrollment-in-401k-annuities-boosting-retiree-lifetime-income/
C. “Can annuities become a bigger contributor to retirement security?” by Martin Neil Baily and Benjamin H. Harris (June 2019, .pdf format, 20p.).
www.brookings.edu/research/can-annuities-become-a-bigger-contributor-to-retirement-security/
“Current Population Survey: Checking in on the Retirement Plan Participation and Retiree Income Estimates,” by Cairg Copeland (May 2019, .pdf format, 19p.).
“Individual Retirement Accounts: How Balances of Older Account Owners Change Over Time,” by Craig Copeland (March 2019, .pdf format, 31p.).
“Retirement Accounts: Federal Action Needed to Clarify Tax Treatment of Unclaimed 401(k) Plan Savings Transferred to States,” (GAO-19-88, January 2019, .pdf format, 59p.).
“How Much Would It Take? Achieving Retirement Income Equivalency Between Final-Average-Pay Defined Benefit Plan Accruals and Automatic Enrollment 401(k) Plans in the Private Sector,” by Jack VanDerhei (February 2019, .pdf format, 22p.). Note: EBRI requires free registration in order to access content.
A. “The Emergence of the Robo-advisor,” by Jill E. Fisch, Marion Labouré, and John A. Turner (WP2018-12, December 2018, .pdf format, 59p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/12/WP-2018-12-Fisch-et-al.pdf
B. “Transformation of Investment Advice: Digital Investment Advisors as Fiduciaries,” by Jennifer L. Klass and Eric L. Perelman (WP2018-13, December 2018, .pdf format, 33p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/12/WP-2018-13-Klass-Perelman.pdf
C. “Benefit Plan Cybersecurity Considerations: A Recordkeeper and Plan Perspective,” by Timothy Rouse, David Levine, Allison Itami, and Benjamin Taylor (WP2018-16, December 2018, .pdf format, 27p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/12/WP-2018-16-Rouse-et-al.pdf
D. “The Big Spenddown: Digital Investment Advice and Decumulation,” by Steven Polansky, Peter Chandler, and Gary R. Mottola (WP2018-18, December 2018, .pdf format, 33p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/12/WP-2018-18-Polansky-et-al.pdf
E. “Behavioral Finance, Decumulation and the Regulatory Strategy for RoboAdvice,” by Tom Baker and Benedict Dellaert (WP2018-19, December 2018, .pdf format, 37p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/12/WP-2018-19-Baker-Dellaert.pdf
F. “FinTech Disruption: Opportunities to Encourage Financial Responsibility,” by Julianne Callaway (WP2018-14, December 2018, .pdf format, 23p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/12/WP-2018-14-Callaway.pdf
A. “How Have Workers Responded to Oregon’s Auto-IRA?” by Anek Belbase and Geoffrey T. Sanzenbacher (IB No. 18-22, December 2018, .pdf and Excel format, 9p.).
B. “Trends in Retirement Security by Race/Ethnicity,” by Alicia H. Munnell, Wenliang Hou, and Geoffrey T. Sanzenbacher (IB No. 18-21, November 2018, .pdf and Excel format, 9p.).
“What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Plan Account Balances, 2010–2016,” by Jack VanDerhei, Sarah Holden, Luis Alonso, and Steven Bass (EBRI Issue Brief No. 464, November 2018, .pdf format, 21p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3734
“EBRI IRA Database: IRA Balances, Contributions, Rollovers, Withdrawals, and Asset Allocation, 2016 Update,” by Craig Copeland (Issue Brief No. 456, August 2018, .pdf format, 48p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3702
“Current Population Survey: Issues Continue for Retirement Plan Participation and Retiree Income Estimates,” by Craig Copeland (EBRI Issue Brief No. 452, June 2018, .pdf format, 17p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3644
A. “The Shadow Prices of Voluntary Caregiving: Using Panel Data of Well-Being to Estimate the Cost of Informal Care,” by Rebecca McDonald and Nattavudh Powdthavee (Discussion Paper No. 11545, May 2018, .pdf format, 35p.). Note: Links to the abstract and the full text of the paper available at:
www.iza.org/publications/dp/11545
B. “Less Is Not More: Information Presentation Complexity and 401(k) Planning Choices,” by Eric Cardella, Charlene M. Kalenkoski, and Michael Parent (Discussion Paper No. 11538, May 2018, .pdf format, 38p.). Note: Links to the abstract and the full text of the paper available at:
“401(k) Lawsuits: What Are the Causes and Consequences?” by George S. Mellman and Geoffrey T. Sanzenbacher (IB No. 18-8, May 2018, .pdf format, 23p.).
“Small Business Retirement Plans and the IRS’ Employee Plans Fee Change,” a hearing held April 17, 2018 (witness statements available in .pdf format, video of the full hearing available at the site, running time 40 minutes 40 seconds). Note: The hearing begins at the 11:11 mark.
smallbusiness.house.gov/calendar/eventsingle.aspx?EventID=400758
“Individual Account Retirement Plans: An Analysis of the 2016 Survey of Consumer Finances,” by Craig Copeland (EBRI Issue Brief No. 445, March 2018, .pdf format, 25p.).
“Workplace Retirement Accounts: Better Guidance and Information Could Help Plan Participants at Home and Abroad Manage Their Retirement Savings,” (GAO-18-19, January 2018, .pdf format, 86p.).
“Individual Retirement Account Balances, Contributions, Withdrawals, and Asset Allocation Longitudinal Results 2010–2015,” by Craig Copeland (EBRI Issue Brief No. 440, January 2018, .pdf format, 32p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3531
“Optimizing Retirement Income by Integrating Retirement Plans, IRAs, and Home Equity,” by Wade Pfau, Joe Tomlinson, and Steve Vernon (November 2017, .pdf format, 146p.).
www.soa.org/research-reports/2017/2017-optimize-retire-income-plans-iras-equity/
A. “Dodged a Bullet? “Rothification” Likely to Reduce Retirement Saving,” by Alicia H. Munnell and Gal Wettstein (IB No. 17-20, November 2017, .pdf format, 7p.).
Dodged a Bullet? “Rothification” Likely to Reduce Retirement Saving
B. “Is Working Longer a Good Prescription for All?” by Geoffrey T. Sanzenbacher and Steven A. Sass (IB No. 17-21, November 2017, .pdf format, 7p.).
A. “Restructuring Medicare: The False Promise of Premium Support,” by Robert A. Berenson, Laura Skopec, and Stephen Zuckerman (October 2017, .pdf format, 24p.).
www.aarp.org/ppi/info-2017/premium-support-is-the-wrong-direction-for-medicare.html
B. “The Interaction Between IRAs and 401(k) Plans in Savers’ Portfolios,” by William G. Gale, Aaron Krupkin, and Shanthi Ramnath (October 2017, .pdf format, 25p.).
www.urban.org/research/publication/interaction-between-iras-and-401k-plans-savers-portfolios
“What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Plan Account Balances, 2010–2015,” by Sarah Holden, Jack VanDerhei, Luis Alonso, and Steven Bass (Issue Brief No. 439, October 2017, .pdf format, 21p.).
“401(k)/IRA Holdings in 2016: An Update from the SCF,” by Alicia H. Munnell and Anqi Chen (IB No. 17-18, October 2017, .pdf format, 12p.).
crr.bc.edu/briefs/401kira-holdings-in-2016-an-update-from-the-scf/
“2015 Update of the EBRI IRA Database: IRA Balances, Contributions, Rollovers, Withdrawals, and Asset Allocation,” by Craig Copeland (Issue Brief No. 437, September 2017, .pdf format, 44p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3493
“401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015,” by Jack VanDerhei, Sarah Holden, Luis Alonso, and Steven Bass (Issue Brief No. 436, August 2017, .pdf format, 60p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3478
EBRI Notes (Vol. 38, No. 7, May 2017, .pdf format, 16p.). Note: The title of this issue is “Importance of Individual Account Retirement Plans and Home Equity in Family Total Wealth,” by Craig Copeland.
www.ebri.org/publications/notes/index.cfm?fa=notesDisp&content_id=3454
“Retirement Plan Knowledge Among State and Local Government Workers Under 40,” (May 2017, .pdf format, 7p.).
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