PERSONAL RETIREMENT SAVINGS AND RETIREE WEALTH

在未来几年，退休后的经济支持前景 可能会发生戏剧性的变化。人员退休储蓄计划 尤其是将发挥更核心的作用。的快速扩张 过去15年中出现的401(K)计划似乎有可能 继续，401(K)资产将成为退休的新“支柱” 在存钱。这个子项目的目标是了解如何继续 401(K)计划的传播可能会影响财务状况 未来的老年家庭。该项目将首先计划401(K) 未来退休人员的资产，按终身收入十进制，然后评估 与所选择的资产配置相关的财务风险 个人退休储蓄计划的参与者。此外，它还将 评估个人退休储蓄对收入水平的可能影响 未来退休人员的财富构成，并评估其充分性 在私人年金市场大幅增长的情况下 个人指导的退休计划。该分项目还将监测 由《纳税人救济法》导致的爱尔兰共和军储蓄的任何扩大 1997年，并评估这些新缴款对 家庭为退休做准备。虽然是针对401(K)和 其他个人退休储蓄计划的分析也将提供 与流动的潜在不确定性有关的证据 一些拟议中考虑的个人储蓄退休收入 社会保障改革，并与目前的退休制度进行比较 收入风险。

In the coming years, the prospects for financial support in retirement are likely to change dramatically. Personnel retirement savings programs in particular will play a much more central role. The rapid expansion of 401(K) plans that has occurred in the last fifteen years seems likely to continue, and 401 (k) assets will become a new "pillar" of retirement saving. The goal of this sub-project is to understand how the continued spread of 401(K) plans is likely to affect the financial circumstances of future elderly households. The project will first project the 401(K) assets of future retirees, by lifetime earnings decile, and then assess the financial risk associated with the asset allocations chosen by participants in personal retirement savings plans. In addition it will assess the likely effect of personal retirement saving on the level and the composition of wealth of future retirees, and evaluate the adequacy of the private annuity market in the face of an enormous increase in personally directed retirement plans. The sub-project will also monitor any expansion of IRA saving that results from the Taxpayer Relief Act of 1997 and evaluate the net saving effect of these new contributions on household preparation for retirement. Although directed to 401(k) and other personal retirement savings plan the analysis will also provide evidence on the potential uncertainties associated with the flow of retirement income from personal savings contemplated in some proposed Social Security reforms, and compare these with current retirement income risks.