“Wealth Distribution and Retirement Preparation among Early Savers Wealth Distribution and Retirement Preparation among Early Savers,” by Lindsay Jacobs, Elizabeth Llanes, Kevin Moore, Jeffrey P. Thompson, and Alice Henriques Volz (Working Paper No. 20-4, June 2020, .pdf format, 52p.). Note: Links to the abstract and the full text of this paper available at:
June 24, 2020
CAAR – Federal Reserve Bank of Boston Working Paper – June 24, 2020
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June 23, 2020
CAAR – Center for Retirement Research at Boston College Issue Brief – June 23, 2020
“How Exposed Are Retirement Savings to Market Risk?” by Anqi Chen and Nilufer Gok (IB No. 2020-10, June 2020, .pdf and Excel format, 9p.).
crr.bc.edu/briefs/how-exposed-are-retirement-savings-to-market-risk/
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May 18, 2020
CAAR – Urban Institute Report, Brief – May 18, 2020
A. “Evaluating Connecticut’s Pension Benefits during the Pandemic,” by Richard W. Johnson (May 2020, .pdf and HTML format, 21p.).
www.urban.org/research/publication/evaluating-connecticuts-pension-benefits-during-pandemic
B. “Tax Incentives for Retirement Savings,” by Eric Toder, Surachai Khitatrakun, and Aravind Boddupalli (May 2020, .pdf format, 22p.).
www.urban.org/research/publication/tax-incentives-retirement-savings
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May 12, 2020
April 28, 2020
CAAR – National Bureau of Economic Research Working Papers – April 28, 2020
Links to an abstract are available. For full text availability check your organization’s library.
A. “Financial Education Affects Financial Knowledge and Downstream Behaviors,” by Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, and Carly J. Urban (w27057, April 2020, .pdf format, 39p.).
B. “Demographic Perspectives on Mortality of Covid-19 and Other Epidemics,” by Joshua R. Goldstein and Ronald D. Lee (w24043, April 2020, .pdf format, 17p.).
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April 13, 2020
CAAR – National Bureau of Economic Research Working Paper – April 13, 2020
Links to an abstract are available. For full text availability check your organization’s library. “The Wealth Decumulation Behavior of the Retired Elderly in Italy: The Importance of Bequest Motives and Precautionary Saving,” by Luigi Ventura and Charles Yuji Horioka (w26986, April 2020, .pdf format, 36p.).
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March 2, 2020
CAAR – National Bureau of Economic Research Working Paper – March 2, 2020
Links to an abstract are available. For full text availability check your organization’s library. “Can Low Retirement Savings Be Rationalized?” by Jason S. Scott, John B. Shoven, Sita N. Slavov, and John G. Watson (w26784, February 2020, .pdf format, 35p.).
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February 5, 2020
CAAR – Employee Benefit Research Institute Issue Brief – February 6, 2020
“Retirement Plan Participation and the Current Population Survey: The Impact of New Income Questions on These Estimates,” by Craig Copeland (January 2020, .pdf format, 14p.). Note: NBER requires free registration in order to access full-text content.
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January 14, 2020
CAAR – National Bureau of Economic Research Working Papers – January 14, 2020
Links to an abstract are available. For full text availability check your organization’s library.
A. “Socioeconomic Decline and Death: Midlife Impacts of Graduating in a Recession,” by Hannes Schwandt and Till M. von Wachter (w26638, January 2020, .pdf format, 67p.).
B. “How Are Employers Responding to an Aging Workforce?” by Robert L. Clark and Beth M. Ritter (w26633, January 2020, .pdf format, 28p.).
C. “Dynastic Precautionary Savings,” by Corina Boar (w26635, January 2020, .pdf format, 78p.).
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January 8, 2020
CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Paper – January 8, 2020
“Optimal Default Retirement Saving Policies: Theory and Evidence from OregonSaves,” by Mingli Zhong (WP2020-01, January 2020, .pdf format, 54p.). Note: Links to the abstract and the full text of this paper available at:
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December 18, 2019
December 2, 2019
CAAR – National Bureau of Economic Research Working Paper – December 2, 2019
Links to an abstract are available. For full text availability check your organization’s library.
A. “Demographic Obstacles to European Growth,” by Thomas F. Cooley, Espen Henriksen, and Charlie Nusbaum (w26503, November 2019, .pdf format, 44p.).
B. “Building Emergency Savings Through Employer-Sponsored Rainy-day Savings Accounts,” by John Beshears, James J. Choi, Mark Iwry, David John, David Laibson, and Brigitte C. Madrian (w26498, November 2019, .pdf format, 71p.).
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November 14, 2019
CAAR – Institute for the Study of Labor (IZA) [University of Bonn, Germany] Working Papers – November 14, 2019
A. “Early Life Environments and Frailty in Old Age among Chinese Older Adults,” by Yaxi Li, Qian-Li Xue, Michelle C. Odden, Xi Chen, and Chenkai Wu (Discussion Paper No. 12764, November 2019, .pdf format, 29p.). Note: Links to the abstract and the full text of this paper available at:
www.iza.org/publications/dp/12764
B. “The Effect of Increasing the Early Retirement Age on Savings Behavior Before Retirement,” by Stefan Etgeton, Björn Fischer, and Han Ye (Discussion Paper No. 12764, November 2019, .pdf format, 39p.). Note: Links to the abstract and the full text of this paper available at:
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October 31, 2019
CAAR – Employee Benefit Research Institute Issue Brief – October 31, 2019
“What if OregonSaves Went National: A Look at the Impact on Retirement Income Adequacy,” by Jack VanDerhei (October 2019, .pdf format, 14p.). Note: EBRI requires free registration to access content.
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CAAR – Institute for Fiscal Studies [UK] Working Paper – October 31, 2019
“Should generations differ in their wealth accumulation?” by Rowena Crawford and David Sturrock (WP19/28, October 2019, .pdf format, 50p.). Note: Links to the abstract and the full text of this paper available at:
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October 22, 2019
CAAR – Center for Retirement Research at Boston College Issue Brief – October 22, 2019
“How Would More Saving Affect the National Retirement Risk Index?” by Alicia H. Munnell, Wenliang Hou, and Geoffrey T. Sanzenbacher (IB No. 19-16, October 2019, .pdf and Excel format, 6p.).
crr.bc.edu/briefs/how-would-more-saving-affect-the-national-retirement-risk-index/
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October 10, 2019
CAAR – AARP Public Policy Institute Report – October 10, 2019
“Unlocking the Potential of Emergency Savings Accounts,” by Catherine S. Harvey (October 2019, .pdf format, 23p.).
www.aarp.org/ppi/info-2019/unlocking-the-potential-of-emergency-savings-accounts.html
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October 9, 2019
CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Papers – October 9, 2019
A. “How Much Should the Poor Save for Retirement? Data and Simulations on Retirement Income Adequacy Among Low-Earning Households,” by Andrew G. Biggs (wp2019-15, May 2019, .pdf format, 29p.). Note: Links to the abstract and the full text of this paper available at:
repository.upenn.edu/prc_papers/537/
B. “Financial Well-being of State and Local Government Retirees in North Carolina,” by Robert L. Clark and Siyan Liu (WP2019-16, May 2019, .pdf format, 34p.). Note: Links to the abstract and the full text of this paper available at:
repository.upenn.edu/prc_papers/538/
C. “Household Debt and Aging in Japan,” by Charles Yuji Horioka and Yoko Niimi (WP2019-17, May 2019, .pdf format, 32p.). Note: Links to the abstract and the full text of this paper available at:
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September 9, 2019
CAAR – National Bureau of Economic Research Working Paper – September 9, 2019
Links to an abstract are available. For full text availability check your organization’s library. “Impact of Defaults in Retirement Saving Plans: Public Employee Plans,” by Robert L. Clark and Denis Pelletier (w26234, September 2019, .pdf format, 35p.).
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September 3, 2019
CAAR – Employee Benefits Research Institute Issue Brief – September 3, 2019
“Emergency Savings: The Reality of Workers’ Liquid Savings — Evidence From the Survey of Consumer Finances,” by Craig Copeland (August 2019, .pdf format, 20p.).
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August 9, 2019
CAAR – Institute for the Study of Labor (IZA) [University of Bonn, Germany] Working Paper – August 9, 2019
“Who Is a Passive Saver under Opt-In and Auto-Enrollment?” by Gopi Shah Goda, Matthew R. Levy, Colleen Flaherty Manchester, Aaron J. Sojourner, and Joshua Tasoff (Discussion Paper No. 12497, July 2019, .pdf format, 44p.). Note: Links to the abstract and the full text of this paper available at:
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July 31, 2019
CAAR – University of California-Berkeley Center for Labor Research and Education Data Brief – July 29, 2019
“Half of California Private Sector Workers Have No Retirement Assets,” by Nari Rhee (July 2019, .pdf format, 16p.).
laborcenter.berkeley.edu/pdf/2019/Retirement-in-California.pdf
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July 24, 2019
CAAR – National Bureau of Economic Research Working Papers – July 24, 2019
Links to an abstract are available. For full text availability check your organization’s library.
A. “SeaTE: Subjective ex ante Treatment Effect of Health on Retirement,” by Pamela Giustinelli and Matthew D. Shapiro (w26087, July 2019, .pdf format, 56p.).
B. “Who is a Passive Saver Under Opt-In and Auto-Enrollment?” by Gopi Shah Goda, Matthew R. Levy, Colleen Flaherty Manchester, Aaron Sojourner, and Joshua Tasoff (w26078, July 2019, .pdf format, 44p.).
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July 18, 2019
CAAR – US Congressional Budget Office Working Paper – July 18, 2018
“The Effect of the Employer Match and Defaults on Federal Workers’ Savings Behavior in the Thrift Savings Plan,” by Justin Falk and Nadia Karamchev (Working Paper 2019-06, July 2019, .pdf format, 63p.). Note: Links to the abstract and the full text of this paper available at:
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July 10, 2019
CAAR – Center for Retirement Research at Boston College Issue Brief – July 10, 2019
“Why Are So Many Households Unable to Cover a $400 Unexpected Expense?” by Anqi Chen (IB No. 19-11, July 2019, .pdf and Excel format, 9p.).
crr.bc.edu/briefs/why-are-so-many-households-unable-to-cover-a-400-unexpected-expense/
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June 19, 2019
CAAR – AARP Public Policy Institute Report – June 19, 2019
“Achieving Economies of Scale in State-Facilitated Retirement Savings Programs: The Case for Multi-State Collaboration,” by Angela M. Antonelli, J. Mark Iwry, and David C. John (June 2019, .pdf format, 31p.).
www.aarp.org/ppi/info-2019/achieving-economies-of-scale.html
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May 29, 2019
CAAR – National Bureau of Economic Research Working Paper – May 29, 2019
Links to an abstract are available. For full text availability check your organization’s library. “Borrowing to Save? The Impact of Automatic Enrollment on Debt,” by John Beshears, James J. Choi, David Laibson, Brigitte C. Madrian, and William L. Skimmyhorn (w25876, May 2019, .pdf format, 45p.).
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May 16, 2019
CAAR – US Senate Finance Committee Hearing Testimony – May 16, 2019
“Challenges in the Retirement System,” a hearing held May 14, 2019 (witness statements available in .pdf format, video of the full hearing available at the site, running time 2 hours 7 minutes). Note: The hearing begins at the 30:45 mark.
www.finance.senate.gov/hearings/challenges-in-the-retirement-system
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CAAR – US House Committee on the Budget Hearing Testimony – May 16, 2019
“Keeping Our Promise to America’s Seniors: Retirement Security in the 21st Century,” a hearing held May 15, 2019 (witness statements available in .pdf format, video of the full hearing available at the site, running time 2 hours 37 minutes). Note: Hearing begins at the 10:40 mark.
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CAAR – Employee Benefit Research Institute Issue Brief – May 16, 2019
“Savings Medicare Beneficiaries Need for Health Expenses in 2019: Some Couples Could Need as Much as $363,000,” by Paul Fronstin and Jack VanDerhei (May 2019, .pdf format, 10p.). Note: EBRI requires free registration to access full-text.
www.ebri.org/content/savings-medicare-beneficiaries-need-for-health-expenses-in-2019
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April 29, 2019
CAAR – US Government Accountability Office Report – April 29, 2019
“Retirement Savings: Additional Data and Analysis Could Provide Insight into Early Withdrawals,” (GAO-19-179, March 2019, .pdf format, 60p.).
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April 24, 2019
CAAR – Center for Retirement Research at Boston College Issue Brief – April 24, 2019
“Do People Save More After They Marry?” by Geoffrey T. Sanzenbacher and Wenliang Hou (IB No. 19-7, April 2019, .pdf and Excel format, 7p.).
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March 28, 2019
CAAR – Brookings Institution Reports – March 28, 2019
A. “How will retirement saving change by 2050? Prospects for the millennial generation,” by William G. Gale, Hilary Gelfond, and Jason Fichtner (March 2019, .pdf format, 49p.).
B. ““RESA”: A look at 2019 legislative proposals to improve retirement security and saving,” by Martin Neil Baily, Benjamin H. Harris, and J. Mark Iwry (March 2019, .pdf format, 14p.).
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March 27, 2019
CAAR – US Government Accountability Office Reports – March 27, 2019
A. “Medicare and Medicaid: CMS Should Assess Documentation Necessary to Identify Improper Payments,” (GAO-19-277, March 2019, .pdf format, 60p.).
www.gao.gov/products/GAO-19-277
B. “Retirement Security: Most Households Approaching Retirement Have Low Savings, an Update,” (GAO-19-442R, March 2019, .pdf format, 4p.).
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March 14, 2019
CAAR – Center for Retirement Research at Boston College Issue Brief – March 14, 2019
“Do Individuals Know When They Should Be Saving for a Spouse?” by Geoffrey T. Sanzenbacher and Wenliang Hou (IB No. 19-5, March 2019, .pdf and Excel format, 7p.).
crr.bc.edu/briefs/do-individuals-know-when-they-should-be-saving-for-a-spouse/
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March 11, 2019
CAAR – Employee Benefit Research Institute Issue Brief – March 11, 2019
Note: EBRI requires free registration in order to access full-text content. “Retirement Savings Shortfalls: Evidence From EBRI’s 2019 Retirement Security Projection Model,” by Jack VanDerhei (March 2019, .pdf format, 14p.).
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February 15, 2019
CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Papers – February 16, 2019
A. “Trust and Retirement Preparedness: Evidence from Singapore,” by Benedict Koh, Olivia S. Mitchell, and Joelle H. Fong (WP2019-3, February 2019, .pdf format, 38p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2019/02/WP-2019-3-Koh-et-al.pdf
B. “Ambiguity Attitudes about Investments: Evidence from the Field,” by Kanin Anantanasuwong, Roy Kouwenberg, Olivia S. Mitchell, and Kim Peijnenburg (WP2019-2, February 2019, .pdf format, 18p.).
C. “Retirement Preparedness and Financial Literacy in Singapore: How Do the Self-Employed Compare?” by Benedict Koh and Olivia S. Mitchell (WP2019-1, January 2019, .pdf format, 34p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2019/02/WP-2019-1-Koh-and-Mitchell.pdf
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February 7, 2019
CAAR – US Senate Special Committee on Aging Hearing Testimony – February 7, 2019
“Financial Security in Retirement: Innovations and Best Practices to Promote Savings,” a hearing held February 6, 2019 (witness statements in .pdf format, video of the full hearing available at the web site, running time 1 hour 45 minutes). Note: The hearing begins at the 35 second mark.
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January 24, 2019
CAAR – Employee Benefit Research Institute Issue Brief – January 24, 2019
“How Retirement Readiness Varies by Gender and Family Status: A Retirement Savings Shortfall Assessment of Gen Xers,” by Jack VanDerhei (January 2019, .pdf format, 19p.). Note: EBRI requires free registration in order to access content.
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December 19, 2018
CAAR – UK Department of Work and Pensions Reports – December 19, 2018
A. “Enabling retirement savings for the self-employed: pensions and long-term savings trials,” (December 2018, .pdf format, 44p.).
www.gov.uk/government/publications/pensions-and-long-term-savings-trials-for-self-employed-people
B. “Automatic enrolment evaluation report 2018,” (Research Report No. 68, December 2018, .pdf format, 119p.).
www.gov.uk/government/publications/automatic-enrolment-evaluation-report-2018
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November 12, 2018
October 11, 2018
CAAR – National Bureau of Economic Research Working Papers – October 11, 2018
Links to an abstract are available. For full text availability check your organization’s library.
A. “Happiness at Different Ages: The Social Context Matters,” by John F. Helliwell, Max B. Norton, Haifang Huang, and Shun Wang (w25121, October 2018, .pdf format, 36p.).
B. “Navigating Complex Financial Decisions at Retirement: Evidence from Annuity Choices in Public Sector Pensions,” by Robert L. Clark, Robert G. Hammond, and David Vanderweide (w25129, October 2018, .pdf format, 34p.).
C. “Fatal Attraction? Extended Unemployment Benefits, Labor Force Exits, and Mortality,” by Andreas Kuhn, Stefan Staubli, Jean-Philippe Wuellrich, and Josef Zweimüller (w25124, October 2018, .pdf format, 42p.).
D. “How Will Persistent Low Expected Returns Shape Household Economic Behavior?” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (w25133, October 2018, .pdf format, 20p.).
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September 24, 2018
CAAR – AARP Public Policy Institute Report – September 24, 2018
“Saving at Work for a Rainy Day: Perspectives from Employees,” by Catherine Harvey, David John, and Kathi Brown (September 2018, .pdf format, 40p.).
www.aarp.org/ppi/info-2018/saving-at-work-for-a-rainy-day-perspectives-from-employees.html
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September 11, 2018
CAAR – Employee Benefit Research Institute Issue Brief – September 11, 2018
“Perceived Helpfulness of Financial Well-being Programs: Results From the 2017 and 2018 Retirement Confidence Survey,” by Craig Copeland (EBRI Issue Brief No. 457, September 2018, .pdf format, 19p.).
www.ebri.org/publications/ib/index.cfm?fa=ibDisp&content_id=3708
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September 10, 2018
CAAR – Oxford University Press Book – September 10, 2018
How Persistent Low Returns Will Shape Saving and Retirement, edited by Olivia S. Mitchell, Robert Clark, and Raimond Maurer (August 2018, ISBN: 9780198827443, 256p.).
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August 29, 2018
CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Paper – August 29, 2018
“How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors,” by Justine Hastings and Olivia S. Mitchell (WP2018-10, August 2018, .pdf format, 26p.).
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August 23, 2018
CAAR – Center for Retirement Research at Boston College Issue Brief – August 23, 2018
“How Do Fees Affect Plans’ Ability to Beat Their Benchmarks?” by Jean-Pierre Aubry and Caroline V. Crawford (SLP No. 61, August 2018, .pdf format, 8p.).
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August 22, 2018
CAAR – Pew Charitable Trust Issue Brief – August 22, 2018
“Will Congress Act on Retirement Savings? A summary of current legislative proposals,” by John Scott (August 2018, .pdf format, 8p.).
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July 18, 2018
CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Paper – July 18, 2018
“How Will Persistent Low Expected Returns Shape Household Behavior?” by Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell (WP2018-7, July 2018, .pdf format, 18p.).
pensionresearchcouncil.wharton.upenn.edu/wp-content/uploads/2018/07/WP-2018-7-Horneff-et-al.pdf
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June 28, 2018
CAAR – Center for Retirement Research at Boston College Issue Brief – June 28, 2018
“Do Young Adults with Student Debt Save Less for Retirement?” by Matthew S. Rutledge, Geoffrey T. Sanzenbacher, and Francis M. Vitagliano (IB No. 18-13, June 2018, .pdf and Excel format, 8p.).
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