December 17, 2018
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
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December 13, 2018
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.).
How Have Workers Responded to Oregon’s Auto-IRA?
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.).
Trends in Retirement Security by Race/Ethnicity
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November 8, 2018
“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
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September 5, 2018
“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
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June 28, 2018
“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
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May 24, 2018
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:
www.iza.org/publications/dp/11538
Comments Off on CAAR – Institute for the Study of Labor (IZA) [University of Bonn, Germany] Working Papers – May 24, 2018
May 2, 2018
“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.).
401(k) Lawsuits: What Are the Causes and Consequences?
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April 17, 2018
“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
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April 3, 2018
“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.).
www.ebri.org/pdf/EBRI_IB_445_SCF.13Mar18.pdf
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March 5, 2018
“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.).
www.gao.gov/products/GAO-18-19
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January 11, 2018
“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
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January 3, 2018
“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/
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November 30, 2017
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.).
Is Working Longer a Good Prescription for All?
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October 31, 2017
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
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October 30, 2017
“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.).
www.ebri.org/pdf/EBRI_IB_439_Long-K.24Oct17.pdf
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October 12, 2017
“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/
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September 18, 2017
“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
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August 17, 2017
“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
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May 23, 2017
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
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May 19, 2017
Comments Off on CAAR – Pew Charitable Trusts Issue Brief – May 19, 2017
May 17, 2017
A. “Higher Initial Contribution Levels in Automatic Enrollment Plans May Result in Greater Retirement Savings: A Review of the Evidence,” by William Shiflett and David C. John (April 2017, .pdf format, 3p.).
www.aarp.org/ppi/info-2017/default-contribution-rate.html
B. “Maintaining Privacy and Security while Connected to the Internet,” by Neal Walters (May 2017, .pdf format, 5p.).
www.aarp.org/ppi/info-2017/maintaining-privacy-and-security-while-connected-to-the-internet.html
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May 2, 2017
“Who Contributes to Individual Retirement Accounts?” by Anqi Chen and Alicia H. Munnell (IB 17-8, April 2017, .pdf format, 8p.).
crr.bc.edu/briefs/who-contributes-to-individual-retirement-accounts/
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March 15, 2017
“How Has the Shift to 401(k) Plans Affected Retirement Income?” by Alicia H. Munnell, Wenliang Hou, Anthony Webb, and Yinji Li (IB No. 17-5, March 2017, .pdf format, 8p.).
crr.bc.edu/briefs/how-has-the-shift-to-401k-plans-affected-retirement-income/
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February 27, 2017
“Access to Workplace Retirement Plans by Race and Ethnicity,” by Catherine Harvey (February 2017, .pdf format, 2p.).
www.aarp.org/ppi/info-2017/Access-to-Workplace-Retirement-Plans-by-Race-and-Ethnicity.html
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February 16, 2017
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February 7, 2017
A. “Drawing Down Retirement Wealth: Interactions between Social Security Wealth and Private Retirement Savings,” by Philip Armour and Angela Hung (WR-1165, January 2017, .pdf format, 49p.). Note: Links to the abstract and the full text of the paper available at:
www.rand.org/pubs/working_papers/WR1165.html
B. “Opting out of Retirement Plan Default Settings,” by Jeremy Burke, Angela Hung, and Jill Luoto (WR-1162, January 2017, .pdf format, 39p.). Note: Links to the abstract and the full text of the paper available at:
www.rand.org/pubs/working_papers/WR1162.html
Comments Off on CAAR – Rand Corporation Labor and Population Program Working Papers – February 7, 2017
February 1, 2017
“Target Date Funds: What’s Under the Hood?” by Edwin J. Elton, Martin J. Gruber, Andre de Souza and Christopher R. Blake (IB No. 17-2, January 2017, .pdf format, 7p.).
crr.bc.edu/briefs/target-date-funds-whats-under-the-hood/
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January 24, 2017
Comments Off on CAAR – Pew Charitable Trusts Report, Issue Brief – January 24, 2017
January 17, 2017
“Individual Retirement Account Balances, Contributions, Withdrawals, and Asset Allocation Longitudinal Results 2010–2014: The EBRI IRA Database,” by Craig Copeland (EBRI Issue Brief No. 429, January 2017, .pdf format, 32p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3409
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December 13, 2016
A. “State Auto-IRA Programs: The Keys to Financial Self-Sufficiency,” by Alicia H. Munnell, Anek Belbase and Geoffrey T. Sanzenbacher (IB 16-19, December 2016, .pdf format, 7p.).
crr.bc.edu/briefs/state-auto-ira-programs-the-keys-to-financial-self-sufficiency/
B. “Cognitive Aging and Ability to Work,” by Anek Belbase and Geoffrey T. Sanzenbacher (IB 16-18, November 2016, .pdf format, 7p.).
crr.bc.edu/briefs/cognitive-aging-and-ability-to-work
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December 8, 2016
Note: Free registration is required to access any content.
A. “Older Peoples’ Willingness to Delay Social Security Claiming,” by Raimond Maurer and Olivia S. Mitchell (WP2016-10, December 2016, .pdf format, 21p.). Note: Links to the abstract and the full text of the paper available at:
www.pensionresearchcouncil.org/publications/document.php?file=1351
B. “Putting the Pension Back in 401(k) Plans: Optimal versus Default Longevity Income Annuities,” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (WP2016-9, September 2016, .pdf format, 36p.). Note: Links to the abstract and the full text of the paper available at:
www.pensionresearchcouncil.org/publications/document.php?file=1349
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November 28, 2016
“401(K) Plans: Effects of Eligibility and Vesting Policies on Workers’ Retirement Savings,” (GAO-17-69, October 2016, .pdf format, 93p.).
www.gao.gov/products/GAO-17-69
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October 10, 2016
Links to an abstract are available. For full text availability check your organization’s library.
A. “Putting the Pension Back in 401(k) Plans: Optimal versus Default Longevity Income Annuities,” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (w22717, October 2016, .pdf format, 36p.).
www.nber.org/papers/w22717
B. “Late-in-Life Risks and the Under-Insurance Puzzle,” by John Ameriks, Joseph Briggs, Andrew Caplin, Matthew D. Shapiro, and Christopher Tonetti (w22726, October 2016, .pdf format, 58p.).
www.nber.org/papers/w22726
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September 13, 2016
Comments Off on CAAR – Pew Charitable Trusts Issue Brief – September 13, 2016
September 8, 2016
“401(K) PLANS: DOL Could Improve Use of Lifetime Income Options,” (GAO-16-433, August 2016, .pdf format, 91p.).
www.gao.gov/products/GAO-16-433
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“What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Plan Account Balances, 2010–2014,” by Jack VanDerhei, Sarah Holden, Luis Alonso and Steven Bass (Issue Brief No. 426, September 2016, .pdf format, 28p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3384
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August 25, 2016
“2014 Update of the EBRI IRA Database: IRA Balances, Contributions, Rollovers, Withdrawals, and Asset Allocation,” by Craig Copeland (Issue Brief No. 424, August 2016, .pdf format, 48p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3375
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June 2, 2016
“Guaranteed Returns in Retirement Savings Plans: Are They Worth the Cost?” by William G. Gale (April 2016, .pdf format, 4p.).
www.aarp.org/ppi/info-2016/guaranteed-returns-in-retirement-savings-plans.html
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April 28, 2016
“401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2014,” by Jack VanDerhei, Sarah Holden, Luis Alonso, and Steven Bass (EBRI Issue Brief No. 423, April 2016, .pdf format, 80p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3347
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April 13, 2016
A. “How Do Job Skills That Decline With Age Affect White-Collar Workers?” by Anek Belbase, Geoffrey T. Sanzenbacher, and Christopher M. Gillis (IB No. 16-6, April 2016, .pdf format, 11p.).
crr.bc.edu/briefs/how-do-job-skills-that-decline-with-age-affect-white-collar-workers/
B. “State Savings Initiatives: Lessons from California and Connecticut,” by Anek Belbase, Alicia H. Munnell, Nari Rheeand, and Geoffrey T. Sanzenbacher (IB No. 16-5, April 2016, .pdf format, 8p.).
crr.bc.edu/briefs/state-savings-initiatives-lessons-from-california-and-connecticut/
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March 3, 2016
“State Initiatives to Cover Uncovered Private Sector Workers,” by Alicia H. Munnell, Anek Belbase, and Geoffrey T. Sanzenbacher (IB No. 16-4, March 2016, .pdf format, 10p.).
crr.bc.edu/briefs/state-initiatives-to-cover-uncovered-private-sector-workers-2/
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January 29, 2016
“Helping Americans Prepare for Retirement: Increasing Access, Participation and Coverage in Retirement Savings Plans,” a hearing held January 28, 2016 (witness statements available in .pdf format, video of the full hearing available at the site, running time 1 hour 29 minutes). Note: Hearing begins at the 28:40 mark
www.finance.senate.gov/hearings/helping-americans-prepare-for-retirement-increasing-access-participation-and-coverage-in-retirement-savings-plans
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January 14, 2016
“A Look at Access to Employer-based Retirement Plans and Participation in the States: Who’s in, who’s out,” (January 2016, .pdf format, 37p.).
www.pewtrusts.org/en/research-and-analysis/reports/2016/01/a-look-at-access-to-employer-based-retirement-plans-and-participation-in-the-states
Comments Off on CAAR – Pew Charitable Trusts Report – January 14, 2016
December 17, 2015
EBRI Notes (Vol. 36, No. 12, December 2015, .pdf format). Note: The article is this issue are: “The Effect of the Current Population Survey Redesign on Retirement-Plan Participation Estimates,” by Craig Copeland; and, “Worker Opinions About Employee Benefits: Differences Among Millennials, Baby Boomers, and Generation X Have Implications for Plan Sponsors,” by Paul Fronstin and Ruth Helman.
www.ebri.org/publications/notes/index.cfm?fa=notesDisp&content_id=3299
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December 16, 2015
“Investment Returns: Defined Benefit vs. Defined Contribution Plans,” by Alicia H. Munnell, Jean-Pierre Aubry and Caroline V. Crawford (IB No. 15-21, December 2015, .pdf format, 15p.).
crr.bc.edu/briefs/investment-returns-defined-benefit-vs-defined-contribution-plans/
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November 19, 2015
“Automatic Enrollment in Retirement Savings Vehicles: Evidence from the Health and Retirement Study,” by Jeremy Burke, Angela A. Hung, and Jill E. Luoto (WR-1117, September 2015, .pdf format, 36p.). Note: Links to the abstract and the full text of the paper available at:
www.rand.org/pubs/working_papers/WR1117.html
Comments Off on CAAR – Rand Corporation Labor and Population Program Working Paper – November 19, 2015
November 16, 2015
“Defaulting In and Cashing Out? The Impact of Retirement Plan Design on the Savings Accumulation of Separating Employees,” by Angela A. Hung, Jill E. Luoto, and Jeremy Burke (WR-1115, September 2015, .pdf format, 46p.). Note: Links to the abstract and the full text of the paper available at:
www.rand.org/pubs/working_papers/WR1115.html
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October 22, 2015
EBRI Notes (Vol. 36, No. 10, October 2015, .pdf format, 24p.). Note: The two articles in this issue are: “Amount of Savings Needed for Health Expenses for People Eligible for Medicare: Unlike the Last Few Years, the News Is Not Good,” by Paul Fronstin, Dallas Salisbury, and Jack VanDerhe; and, “How Does the Probability of a “Successful” Retirement Differ Between Participants in Final-Average Defined Benefit Plans and Voluntary Enrollment 401(k) Plans?” by Jack VanDerhei.
www.ebri.org/publications/notes/index.cfm?fa=notesDisp&content_id=3284
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September 22, 2015
“How Has Shift to Defined Contribution Plans Affected Saving?” by Alicia H. Munnell, Jean-Pierre Aubry and Caroline V. Crawford (IB No. 15-16, September 2015, .pdf format, 8p.).
crr.bc.edu/briefs/how-has-shift-to-defined-contribution-plans-affected-saving/
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September 17, 2015
EBRI Notes (Vol. 36, No. 9, September 2015, .pdf format, 38p.). Note: The articles in this issue are: “2015 EBRI/Greenwald & Associates Health and Voluntary Workplace Benefits Survey: Most Workers Continue to Give Low Ratings to Health Care System, but Declining Number Report Health Care Cost Increases,” by Paul Fronstin and Ruth Helman; and, “IRA Asset Allocation, 2013, and Longitudinal Results, 2010-2013,” by Craig Copeland.
www.ebri.org/publications/notes/index.cfm?fa=notesDisp&content_id=3277
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