Saving for Retirement

Research on this topic focuses on the attitudes and behavior of American workers and retirees towards all aspects of saving, retirement planning, and long-term financial security as well as on the savings levels needed to reach retirement income goals.

"How Would Defined Contribution Participants React to Lifetime Income Illustrations? Evidence from the 2014 Retirement Confidence Survey" [March 2014, EBRI Notes, Vol. 35, No. 3]

"The 2014 Retirement Confidence Survey: Confidence Rebounds--for Those With Retirement Plans" [March 2014, EBRI Issue Brief #397]

"What Causes EBRI Retirement Readiness Ratings to Vary: Results from the 2014 Retirement Security Projection Model" [February 2014, EBRI Issue Brief #396]

"The Role of Social Security, Defined Benefits, and Private Retirement Accounts in the Face of the Retirement Crisis" [January 2014, EBRI Notes, Vol. 35, No. 1]

"Lump-Sum Distributions at Job Change, Distributions Through 2012" [November 2013, EBRI Notes, Vol. 34, No. 11]

"401(k) Participants in the Wake of the Financial Crisis: Changes in Account Balances, 2007-2011" [October 2013, EBRI Issue Brief #391]

"The Impact of a Retirement Savings Account Cap" [August 2013, EBRI Issue Brief #389]

"A Little Help: The Impact of On-line Calculators and Financial Advisors on Setting Adequate Retirement-Savings Targets: Evidence from the 2013 Retirement Confidence Survey" [March 2013, EBRI Notes, Vol. 34, No. 3]

"The 2013 Retirement Confidence Survey: Perceived Savings Needs Outpace Reality for Many" [March 2013, EBRI Issue Brief #384]

"Tax Preferences and Mandates: Is the Danish Savings Experience Applicable to the United States?" [January 2013, EBRI Notes, Vol. 34, No. 1]

"Increasing Default Deferral Rates in Automatic Enrollment 401(k) Plans: The Impact on Retirement Savings Success in Plans With Automatic Escalation" [September 2012, EBRI Notes, Vol. 33, No. 9]

"The 2012 Retirement Confidence Survey: Job Insecurity, Debt Weigh on Retirement Confidence, Savings" [March 2012, EBRI Issue Brief #369]

"Retirement Age Expectations of Older Americans Between 2006 and 2010" [December 2011, EBRI Notes, Vol. 32, No. 12]

"Target-Date Fund Use in 401(k) Plans and the Persistence of Their Use, 2007-2009" [August 2011, EBRI Issue Brief #361]

"The Impact of Modifying the Exclusion of Employee Contributions for Retirement Savings Plans From Taxable Income: Results from the 2011 Retirement Survey" [March 2011, EBRI Notes, Vol. 32, No. 3]

"The 2011 Retirement Confidence Survey: Confidence Drops to Record Lows, Reflecting 'the New Normal'" [March 2011, EBRI Issue Brief #355]

"The Impact of Automatic Enrollment in 401(k) Plans on Future Retirement Accumulations: A Simulation Study Based on Plan Design Modifications of Large Plan Sponsors" [April 2010, EBRI Issue Brief #341]

"The 2010 Retirement Confidence Survey: Confidence Stabilizing, But Preparations Continue to Erode" [March 2010, EBRI Issue Brief #340]

"Plan Demographics, Participants' Saving Behavior, and Target-Date Fund Investments" [May 2009, EBRI Issue Brief #329]

"The 2009 Retirement Confidence Survey: Economy Drives Confidence to Record Lows; Many Looking to Work Longer" [April 2009, EBRI Issue Brief #328]

"The Impact of PPA on Retirement Savings for 401(k) Participants" [June 2008, EBRI Issue Brief #318]

"The 2008 Retirement Confidence Survey: Americans Much More Worried About Retirement, Health Costs a Big Concern" [April 2008, EBRI Issue Brief #316]

"The Expected Impact of Automatic Escalation of 401(k) Contributions on Retirement Income" [September 2007, EBRI Notes, Vol. 28, No. 9]

"Minority Workers Remain Confident About Retirement, Despite Lagging Preparations and False Expectations" [June 2007, EBRI Issue Brief #306]

"The Retirement System in Transition: The 2007 Retirement Confidence Survey" [April 2007, EBRI Issue Brief #304]

"Survey Finds Federal Workers Share Poor Retirement Planning With All Workers, but Have More Savings" [December 2006, EBRI Notes, Vol. 27, No. 12]

"Will More of Us Be Working Forever? The 2006 Retirement Confidence Survey" [April 2006, EBRI Issue Brief #292]

"Retirement Plans and Retirement Confidence in Higher Education" [March 2006, EBRI Notes, Vol. 27, No. 3]

"The Influence of Automatic Enrollment, Catch-Up, and IRA Contributions on 401(k) Accumulations at Retirement" [July 2005, EBRI Issue Brief #283]

"Encouraging Workers to Save: The 2005 Retirement Confidence Survey" [April 2005, EBRI Issue Brief #280]

"Measuring Retirement Income Adequacy, Part One: Traditional Replacement Ratios and Results for Workers at Large Companies" [September 2004, EBRI Notes, Vol. 25, No. 9]

"Will Americans Ever Become Savers? The 14th Retirement Confidence Survey, 2004" [April 2004, EBRI Issue Brief #268]

"Findings From the 2003 Small Employer Retirement Survey (SERS)" [September 2003, EBRI Notes, Vol. 24, No. 9]

"Findings From the 2003 Retirement Confidence Survey (RCS) and Minority RCS" [July 2003, EBRI Notes, Vol. 24, No. 7]

"Will Today's Workers Retire With Adequate Income? How Are Today's Retirees Surviving From a Financial Perspective?" [April 2003, EBRI Notes, Vol. 24, No. 4]

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