Center for Retirement Research
Issues in Brief
Contact information of Center for Retirement Research:
Postal: Hovey House, 140 Commonwealth Avenue, Chestnut Hill, MA 02467
Phone: (617) 552-1762
Fax: (617) 552-0191
Email:
Web page: http://crr.bc.edu/
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Series handle: repec:crr:issbrf
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Undated material is presented at the end, although it may be more recent than other items
2013
- ibslp31 Public Sector Workers and Job Security
by Alicia H. Munnell & Rebecca Cannon Fraenkel - ibslp30 State and Local Pension Costs: Pre-Crisis, Post-Crisis, and Post-Reform
by Alicia H. Munnell & Jean-Pierre Aubry & Anek Belbase & Joshua Hurwitz - ibslp29 Locally-Administered Pension Plans
by Alicia H. Munnell & Jean-Pierre Aubry & Joshua Hurwitz - ibslp28 Compensation Matters: The Case of Teachers
by Alicia H. Munnell & Rebecca Cannon Fraenkel - ib2013-6 Can Incentives for Long-Term Care Insurance Reduce Medicaid Spending?
by Wei Sun & Anthony Webb - ib2013-5 Australia’s Retirement System: Strengths, Weaknesses, and Reforms
by Julie Agnew - ib2013-4 Do Income Projections Affect Retirement Saving?
by Gopi Shah Goda & Colleen Flaherty Manchester & Aaron Sojourner - ib2013-3 Subsidies vs. Nudges: Which Policies Increase Saving the Most?
by Raj Chetty & John N. Friedman & Soren Leth-Petersen & Torben Heien Nielsen & Tore Olsen - ib2013-2 Will Regulations to Reduce IRA Fees Work?
by Alicia H. Munnell & Anthony Webb & Francis Vitagliano - ib2013-1 How Do Employers’ 401(k) Mutual Fund Selections Affect Performance?
by Edwin J. Elton & Martin J. Gruber & Christopher R. Blake
2012
- ibslp27 How Retirement Provisions Affect Tenure of State and Local Workers
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp25 Legal Constraints on Changes in State and Local Pensions
by Alicia H. Munnell & Laura Quinby - ibslp24 The Funding of State and Local Pensions: 2011-2015
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Madeline Medenica & Laura Quinby - ib2012-21 A Nudge Isn’t Always Enough
by Erin Todd Bronchetti & Thomas S. Dee & David B. Huffman & Ellen Magenheim - ib2012-20 The National Retirement Risk Index: An Update
by Alicia H. Munnell & Anthony Webb & Francesca Golub-Sass - ib2012-19 Can Retirees Base Wealth Withdrawals on the IRS’ Required Minimum Distributions?
by Wei Sun & Anthony Webb - ib2012-18 Are Aging Baby Boomers Squeezing Young Workers Out of Jobs?
by Alicia H. Munnell & Rebecca April Yanyuan Wu - ib2012-17 Using Participant Data to Improve 401(k) Asset Allocation
by Zhenyu Li & Rebecca Anthony Webb - ib2012-16 The Pension Coverage Problem in the Private Sector
by Alicia H. Munnell & Rebecca Cannon Fraenkel & Josh Hurwitz - ib2012-15 2010 SCF Suggests Even Greater Retirement Risks
by Alicia H. Munnell - ib2012-13 401(k) Plans in 2010: An Update from the SCF
by Alicia H. Munnell - ib2012-12 National Retirement Risk Index: How Much Longer Do We Need to Work?
by Alicia H. Munnell & Anthony Webb & Luke Delorme & Francesca Golub-Sass - ib2012-11 How Important Is Asset Allocation to Retirement Security? Financial planners devote considerable energy to advising Americans how to invest their retirement savings. Of course, wise investment of one’s hard-earned money is important. But the fact is that many Americans have saved very little – the typical house-hold approaching retirement has less than $100,000 in 401(k) and other financial assets. Thus, for many people, even perfect investing is unlikely to have a significant effect on their well-being in retirement. Fortunately, people have a number of other levers that can affect their retirement security. And these strategies – unlike the stock market – are within the individual’s control: working longer, using a reverse mortgage to access home equity, and controlling con-sumption when the kids leave home. Moreover, even for many with substantial assets, these non-financial levers may be as powerful as asset allocation in attain-ing retirement security. This brief, adapted from a recent paper, compares the non-financial levers to asset allocation to deter-mine the relative power of each strategy in boosting retirement preparedness. The first section describes the potential benefits of the non-financial strategies. The second section summarizes the methodology used to compare their effectiveness with asset al-location. The third section presents the results. The conclusion is that, for the population as a whole, asset allocation is less potent than the alternatives, particularly working longer. And, even for those with substantial financial assets, it is less important than one would expect
by Alicia H. Munnell & Natalia Sergeyevna Orlova & Anthony Webb - ib2012-10 Should You Buy an Annuity from Social Security?
by Steven A. Sass - ib2012-9 Social Security's Financial Outlook: the 2012 Update in Perspective
by Alicia H. Munnell - ib2012-8 Why Do More People Die During Economic Expansions?
by Ann Huff Stevens & Douglas L. Miller & Marianne Page & Mateusz Filipski - ib2012-7 How Can Employers Encourage Young Workers to Save for Retirement?
by Nicole Votolato Montgomery & Lisa R. Szykman & Julie R. Agnew - ib2012-6 Can the Actuarial Reduction for Social Security Early Retirement Still Be Right?
by Alicia H. Munnell & Steven A. Sass - ib2012-5 The Rise of Financial Fraud
by Kimberly Blanton - ib2012-4 What’s the Tax Advantage of 401(k)s?
by Alicia H. Munnell & Laura Quinby & Anthony Webb - ib2012-3 Do Income Taxes Affect the Progressivity of Social Security?
by Norma B. Coe & Zhenya Karamcheva & Richard Kopcke & Alicia H. Munnell - ib2012-2 Why Do State Disability Application Rates Vary Over Time?
by Norma B. Coe & Kelly Haverstick & Alicia H. Munnell & Anthony Webb - ib2012-1 What Explains Variation in Disability Application Rates Across States?
by Norma B. Coe & Kelly Haverstick & Alicia H. Munnell & Anthony Webb
2011
- slp20 Comparing Compensation: State-Local versus Private Sector Workers
by Alicia H. Munnell & Jean-Pierre Aubry & Laura Quinby - ibslp23 How Would GASB Proposals Affect State and Local Pension Reporting?
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp22 How Prepared Are State and Local Workers for Retirement
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp19 Unions and Public Pension Benefits
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp18 An Update on Locally-Administered Pension Plans
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp16 A Role for Defined Contribution Plans in the Public Sector
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp15 Can State and Local Pensions Muddle Through?
by Alicia H. Munnell & Jean-Pierre Aubry & Josh Hurwitz & Laura Quinby - ibslp14 The Impact of Pensions on State Borrowing Costs
by Alicia H. Munnell & Jean-Pierre Aubry & Laura Quinby - ib2011-15 Do Low-Income Workers Benefit From 401(k) Plans?
by Eric Toder & Karen E. Smith - ib2011-14 Disability Insurance: Does Extending Unemployment Benefits Help?
by Matthew S. Rutledge - ib2011-13 How Much to Save for a Secure Retirement
by Alicia H. Munnell & Anthony Webb & Francesca Golub-Sass - ib2011-12 Implications of a 'Chained' CPI
by Alicia H. Munnell & William M. Hisey - ib2011-11 What Is the Average Retirement Age?
by Alicia H. Munnell - ib2011-10 Did the Housing Boom Increase Household Spending?
by Shenyi Jiang & Wei Sun & Anthony Webb - ib2011-9 Social Security's Financial Outlook: The 2011 Update in Perspective
by Alicia H. Munnell - ib2011-8 Does Medicare Part D Protect the Elderly from Financial Risk?
by Gary V. Engelhardt & Jonathan Gruber - ib2011-7 Is Today's Price-Earnings Ratio Too High?
by Richard W. Kopcke & Zhenya Karamcheva - ib2011-6 Do Social Security Statements Affect Knowledge and Behavior?
by Giovanni Mastrobuoni - ib2011-5 Equity Returns in the Coming Decade
by Richard W. Kopcke & Zhenya Karamcheva - ib2011-4 How Can Customized Information Change Financial Plans?
by Norma B. Coe & Kelly Haverstick - ib2011-3 What Is 'CLASS'? And Will It Work?
by Alicia H. Munnell & Josh Hurwitz - ib2011-2 Improving Sweden's Automatic Pension Adjustment Mechanism
by Nicholas Barr & Peter Diamond - ib2011-1 How Important Are Inheritances for Baby Boomers?
by Alicia H. Munnell & Anthony Webb & Zhenya Karamcheva & Andrew Eschtruth
2010
- slp10 The Funding of State and Local Pensions: 2009-2013
by Alicia H. Munnell & Jean-Pierre Aubry & Laura Quinby - ibslp13 The Impact of Public Pensions on State and Local Budgets
by Alicia H. Munnell & Jean-Pierre Aubry & Laura Quinby - ib2010-10 Did the Housing Boom Increase Household Spending
by Anthony Webb & Shenyi Jiang & Wei Sun - ib2009-10-2 Why Did Some Employers Suspend Their 401(k) Match?
by Alicia H. Munnell & Laura Quinby - ib2010-20 Responding to the Downturn: How Does Information Change Behavior?
by Norma B. Coe & Kelly Haverstick - ib2010-19 How Will Higher Tax Rates Affect the National Retirement Risk Index?
by Alicia H. Munnell & Anthony Webb & Francesca Golub-Sass - ib2010-18 Do Parents Live It Up When Children Fly the Coop?
by Anthony Webb & Norma B. Coe - ib2010-17 How Do Responses to the Downturn Vary by Household Characteristics?
by Norma B. Coe & Kelly Haverstick - ib2010-16 Why Did Poverty Drop for the Elderly?
by Alicia H. Munnell & April Wu & Joshua Hurwitz - ib2010-15 Social Security's Financial Outlook: the 2010 Update in Perspective
by Alicia H. Munnell - ib2010-14 Will Better Access to Health Care Change How Much Older Men Work?
by Melissa A. Boyle & Joanna N. Lahey - ib2010-13 Pension Participation and Uncovered Workers
by Geoffrey Sanzenbacher & Nadia Karamcheva - ib2010-11 Reducing Costs of 401(k) Plans with ETFs and Commingled Trusts
by Francis M. Vitagliano & Richard W. Kopcke & Zhenya Karamcheva - ib2010-10-3 Workers' Response to the Market Crash: Save More, Work More?
by Courtney Monk & Kelly Haverstick & Steven A. Sass - ib2010-7 How to Close the Funding Gap in Dutch Pension Plans? Impact on Generations
by Eduard Ponds & Niels Kortleve - ib2010-6 Returns on 401(k) Assets by Cohort
by Alicia H. Munnell & Jean-Pierre Aubry - ib2010-5 Should You Convert a Traditional IRA Into a Roth IRA?
by Francis M. Vitagliano & Richard W. Kopcke - ib2010-4 What is the Distribution of Lifetime Health Care Costs from Age 65?
by Anthony Webb & Natalia A. Zhivan - ib2009-10-1 Is Pension Inequality Growing?
by Nadia Karamcheva & Geoffrey Sanzenbacher
2009
- ib2009-9-9 Strange But True: Claim Social Security Now, Claim More Later
by Alicia H. Munnell & Alex Golub-Sass & Nadia Karamcheva - ib2009-9-8 How Do Emotions Influence Saving Behavior
by Gergana Y. Nenkov & Deborah J. MacInnis & Maureen Morrin - ib2009-9-7 Long-term Care Costs and The National Retirement Risk Index
by Alicia H. Munnell & Anthony Webb & Francesca Golub-Sass & Dan Muldoon - ib2009-9-6 Strange But True: Free Loan From Social Security
by Alicia H. Munnell & Alex Golub-Sass & Nadia Karamcheva - ib2009-9-5 An Update on 401(k) Plans: Insights From the 2007 SCF
by Alicia H. Munnell & Francesca Golub-Sass & Dan Muldoon - ib2009-9-4 What Does It Cost To Guarantee Returns?
by Alicia H. Munnell & Alex Golub-Sass & Richard W. Kopcke & Anthony Webb - ib2009-9-3 The Structure of 401(k) Fees
by Richard W. Kopcke & Francis Vitagliano & Dan Muldoon - ib2009-9-26 Pension Coverage and Retirement Security
by Alicia H. Munnell & Laura Quinby - ib2009-9-25 The Swedish Pension System and the Economic Crisis
by Annika Sundén - ib2009-9-24 401(k) Plans and Race
by Alicia H. Munnell & Christopher Sullivan - ib2009-9-22 The National Retirement Risk Index: After The Crash
by Alicia H. Munnell & Anthony Webb & Francesca Golub-Sass - ib2009-9-21 Pension Buyouts: What Can We Learn From the UK Experience?
by Ashby H.B. Monk - ib2009-9-20 Making Your Nest Egg Last a Lifetime
by Anthony Webb - ib2009-9-2 Recessions and Older Workers
by Alicia H. Munnell & Dan Muldoon & Steven A. Sass - ib2009-9-19 Older Americans On The Go: Financial and Psychological Effects of Moving
by Esteban Calvo & Kelly Haverstick & Natalia A. Zhivan - ib2009-9-18 Older Americans On The Go: How Often, Where, and Why?
by Kelly Haverstick & Natalia A. Zhivan - ib2009-9-17 The Case For Investing in Bonds During Retirement
by Anthony Webb - ib2009-9-16 Should social Security Rely Solely On The Payroll Tax?
by Alicia H. Munnell - ib2009-9-15 Should You Carry A Mortgage Into Retirement
by Anthony Webb - ib2009-9-14 Is Latin America Retreating From Individual Retirement Accounts?
by Fabio Bertranou & Esteban Calvo & Evelina Bertranou - ib2009-9-13 Employers' (Lack of) Response to the Retirement Income Challenge
by Steven A. Sass & Kelly Haverstick & Jean-Pierre Aubry - ib2009-9-12 Risk Pooling and the Market Crash: Lessons From Canada's Pension Plan
by Ashby H.B. Monk & Steven A. Sass - ib2009-9-11 Strange But True: Claim and Suspend Social Security
by Alicia H. Munnell & Alex Golub-Sass & Nadia Karamcheva - ib2009-9-10 Why Are Older Workers At Greater Risk of Displacement?
by Alicia H. Munnell & Steven A. Sass & Natalia A. Zhivan - ib2009-9-1 Can the Bottom Third Work Longer?
by Alicia H. Munnell & Geoffrey Sanzenbacher & Steven A. Sass - ib2010-12 What is the Age of Reason?
by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson - ib2010-9 A New Social Security 'Notch'? Bad News for People Born in 1947
by Andrew Biggs - ib2010-8 Does Staying Healthy Reduce Your Lifetime Health Care Costs?
by Wei Sun & Anthony Webb & Natalia Zhivan - ib2009-9-23 Why Are Stocks So Risky?
by Richard W. Kopcke & Dan Muldoon
2008
- ib2008-8-9 How Much Do Older Workers Value Employee Health Insurance?
by Leora Friedberg & Wei Sun & Anthony Webb - ib2008-8-8 How Can We Improve Long-Term Care Financing?
by Howard Gleckman - ib2008-8-7 Are People Claiming Social Security Benefits Later?
by Dan Muldoon & Richard W. Kopcke - ib2008-8-6 Why Do More Older Men Work in Some States?
by Alicia H. Munnell & Mauricio Soto & Natalia A. Zhivan - ib2008-8-5 Social Security's Financial Outlook: The 2008 Update in Perspective
by Alicia H. Munnell - ib2008-8-4 When Should Married Men Claim Social Security Benefits?
by Steven A. Sass & Wei Sun & Anthony Webb - ib2008-8-3 Health Care Costs Drive Up the National Retirement Risk Index
by Alicia H. Munnell & Mauricio Soto & Anthony Webb & Francesca Golub-Sass & Dan Muldoon - ib2008-8-21 Is CalPERS a Sovereign Wealth Fund?
by Ashby H. B. Monk - ib2008-8-20 How Much Risk is Acceptable?
by Alicia H. Munnell & Anthony Webb & Alex Golub-Sass - ib2008-8-2 An "Elastic" Earliest Eligibility Age for Social Security
by Natalia Zhivan & Steven A. Sass & Margarita Sapozhnikov & Kelly Haverstick - ib2008-8-19 The Financial Crisis and State/Local Defined Benefit Plans
by Alicia H. Munnell & Jean-Pierre Aubry & Dan Muldoon - ib2008-8-18 The Financial Crisis and Private Defined Benefit Plans
by Alicia H. Munnell & Jean-Pierre Aubry & Dan Muldoon - ib2008-8-17 Are Older Men Healthy Enough to Work?
by Alicia H. Munnell & Mauricio Soto & Alex Golub-Sass - ib2008-8-16 Are Retirement Savings Too Exposed to Market Risk?
by Alicia H. Munnell & Dan Muldoon - ib2008-8-15 The Impact of Inflation on Social Security Benefits
by Alicia H. Munnell & Dan Muldoon - ib2008-8-14 The Decline of Career Employment
by Alicia H. Munnell & Steven A. Sass - ib2008-8-13 Do State Economics or Individual Characteristics Determine Whether Older Men Work?
by Alicia H. Munnell & Mauricio Soto & Robert K. Triest & Natalia A. Zhivan - ib2008-8-12 The Housing Bubble and Retirement Security
by Alicia H. Munnell & Mauricio Soto - ib2008-8-10 The Annuity Puzzle and Negative Framing
by Julie R. Agnew & Lisa R. Anderson & Jeffrey R. Gerlach & Lisa R. Szykman - ib2008-8-1 Pension Wealth and Income: 1992, 1998, and 2004
by Olga Sorokina & Anthony Webb & Dan Muldoon - ib2008-8-11 Do Households Have a Good Sense of Their Retirement Preparedness?
by Alicia H. Munnell, & Francesca Golub-Sass & Mauricio Soto & Anthony Webb
2002
- ib-10 How Will The Rise In 401(K) Plans Affect Bequests?
by Alicia H. Munnell & Annika Sunden & Mauricio Soto & Catherine Taylor - ib-9 401(k)s And Company Stock: How Can We Encourage Diversification?
by Alicia H. Munnell & Annika Sunden - ib-8 How Important Are Private Pensions?
by Alicia H. Munnell & Annika Sunden & Elizabeth - ib2002-11 Is Working Longer the Answer for an Aging Workforce?
by Gary Burtless & Joseph F. Quinn
2001
- ib-7 Are Americans Saving Enough For Retirement?
by Cori E. Uccello - ib-6 Should A Lump-Sum Payment Replace Social Security's Delayed Retirement Credit?
by Peter Orszag
2000
- ib-5 How Would Financial Risk Affect Retirement Income Under Individual Accounts?
by Gary Burtless - ib-4 How Should We Insure Longevity Risk In Pensions And Social Security?
by Jeffrey R. Brown - ib-3 How Will Sweden's New Pension System Work?
by Annika Sunden
1999
- ib-2 What Stock Market Returns To Expect For The Future?
by Peter A. Diamond - ib-1 What To Do About The Social Security Earnings Test?
by Jonathan Gruber & Peter Orszag
Undated
- ib2012-14 Who Claimed Social Security Early Due to the Great Recession?
by Matthew S. Rutledge & Norma B. Coe & Kendrew Wong