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Savings & Pensions
Private retirement savings includes employer pensions and private accounts such as employer-sponsored 401(k)s and privately-purchased plans like Individual Retirement Accounts (IRAs) of all types, including traditional, Roth and Spousal IRAs. With government programs over-promising benefits and benefit cuts increasingly likely, and with companies freezing or closing their traditional pensions, Americans must save more on their own. But rules and regulations on private accounts make that difficult for some. In addition, there is another debt on the horizon that has received little attention: The growing unfunded liabilities of state and local employees’ retirement benefits.
Key Research
- Brief Analysis #615 - 401(k) Loans = Retirement Insecurity
- Study #310 - Does it Pay to Work More?
- Study #298 - Does It Pay to Save?
- Brief Analysis #554 - Would You Benefit from a Roth IRA?
- Study #283 - Ten Steps to Reforming Baby Boomer Retirement
- Brief Analysis #495 - Retirement Savings Reforms on which the Left and the Right Can Agree
- Study #249 - Tax-Favored Savings Accounts: Who Gains? Who Loses?