PERSONAL RETIREMENT SAVINGS AND RETIREE WEALTH

个人退休储蓄和退休人员财富

• 批准号: 6299259
• 负责人: JAMES M POTERBA
• 金额: $ 26.2万
• 依托单位: NATIONAL BUREAU OF ECONOMIC RESEARCH
• 依托单位国家: 美国
• 财政年份: 2000
• 资助国家: 美国
• 起止时间: 2000-02-01 至 2000-12-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/6299259
• 关键词: aging; behavioral /social science research tag; health economics; human data; human middle age (35-64); human old age (65+); human population study; income; longitudinal human study; retirement; socioeconomics

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.

在未来几年，退休后获得财政支持的前景 很可能会发生巨大的变化。人员退休储蓄计划 特别是将发挥更重要作用。的快速扩张 401（K）计划在过去15年中发生的可能性似乎很大 401（k）资产将成为退休的新“支柱” 节约。这个子项目的目标是了解持续的 401（K）计划的传播可能会影响财务状况 未来的老年人家庭。该项目将首先项目401（K） 未来退休人员的资产，按终身收入十分位，然后评估 与所选资产分配相关的财务风险 个人退休储蓄计划的参与者。此外，它将 评估个人退休储蓄水平的可能影响， 未来退休人员的财富构成，并评估其充足性 在私人年金市场的巨大增长， 个人指导的退休计划。该次级项目还将监测 伊拉储蓄的任何扩大， 1997年，并评估这些新捐款对 为退休做准备。虽然针对401（k）和 其他个人退休储蓄计划的分析也将提供 与流动相关的潜在不确定性的证据 退休收入的个人储蓄考虑在一些建议 社会保障改革，并将其与当前的退休制度进行比较 收入风险。