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.

"The 2017 Retirement Confidence Survey: Many Workers Lack Retirement Confidence and Feel Stressed About Retirement Preparations" [March 21, 2017, EBRI Issue Brief #431]

"Reducing Retirement Savings Leakage" [August 2016, EBRI Notes, Vol. 37, No. 9]

"What Moves the Retirement Readiness Needle: Quantification of Risk and Evaluation of New Proposals" [April 2016, EBRI Notes, Vol. 37, No. 5]

"The 2016 Retirement Confidence Survey: Worker Confidence Stable, Retiree Confidence Continues to Increase" [March 2016, EBRI Issue Brief #422]

"Evidence on Defined Contribution Health and Retirement Benefits: The Road Ahead" [November 2015, EBRI Notes, Vol. 36, No. 11]

"The 2015 Retirement Confidence Survey: Having a Retirement Savings Plan a Key Factor in Americans' Retirement Confidence" [April 2015, EBRI Issue Brief #413]

"How Much Needs to be Saved for Retirement After Factoring In Post-Retirement Risks: Evidence from the EBRI Retirement Security Projection Model" [March 2015, EBRI Notes, Vol. 36, No. 3]

"What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Account Balances, 2007-2012" [July 2014, EBRI Issue Brief #402]

"Take it or Leave it? The Disposition of DC Accounts: Who Rolls Over into an IRA? Who Leaves Money in the Plan and Who Withdraws Cash?" [May 2014, EBRI Notes, Vol. 35, No. 5]

"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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