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| http://www.401khelpcenter.com/ff/ff_best_practices_millennials_2011.html, Free
Davidson informs us that “Generation Y” is saving for retirement, but perhaps not saving enough. More effort is needed to engage them, and to “move them from auto pilot to pilot.” |
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| BookSurge Publishing, 2008, $17.99
http://www.amazon.com/Changing-Lanes-Couples-Redifining-Retirement/dp/1419695134#_
A solid general retirement planning book, covering many of the same issues as others do, but explicitly taking a couple’s point of view. |
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| http://www.csmonitor.com/2006/0830/p15s01-lifp.html, Free
A nice summary of some of the issues that married couples face in retirement, and how some people deal with it. |
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| Boston College Center for Retirement Research, February 2011, Free
http://crr.bc.edu/images/stories/Working_Papers/wp_2011-5.pdf
Honoré and de Paula use mathematical modeling to understand the reasons why working couples tend (usually) to retire close to the same time, but sometimes don’t. |
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| http://www.tiaa-cref.org/ucm/groups/content/@ap_ucm_p_tcp/documents/document/tiaa01009256.pdf, Free
Focuses more on financial strategies than lifestyle issues, but covers both. |
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| http://personal.fidelity.com/myfidelity/InsideFidelity/NewsCenter/mediadocs/couples_retirement_checklist.pdf, Free
Focuses more on financial strategies than lifestyle issues, but covers both. |
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| http://www.retirementdictionary.com/articles/fiveretirementplanningtipssamesex41909, Free
Extra precautions same-sex couples must take to make sure their retirement plans are fail-safe. |
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| http://jag.sagepub.com/content/30/1/123.abstract
The authors report that the more gay participants conceal sexual orientation, the more they engage in retirement financial planning. |
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| Transamerica Center for Retirement Studies, May 2011, Free
http://www.transamericacenter.org/resources/TCRS%2012th%20Annual%20Survey%20-%20Worker%20Full%20Report%205-20-11%20FINAL.pdf
This massive, 222-page document focuses on the U.S. workforce (broken down in great detail), with special emphasis on retirement plans and retirement preparedness. |
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| Society of Actuaries, October 25, 2010, Free
http://www.soa.org/files/pdf/news-pub-healthcare-retire-survey-fact.pdf
This report indicates, among other results, that 62 percent of pre-retirees are not at all confident that they are saving enough to handle healthcare costs in retirement. |
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| Employee Benefits Research Institute, March 2010, Free
http://www.ebri.org/pdf/briefspdf/EBRI_IB_03-2010_No340_RCS.pdf
This study shows, not surprisingly, that retirement confidence has taken a big hit from the recession. Only 19% are highly confident of a comfortable retirement.. |
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| http://www.aarp.org/work/retirement-planning/retirement_calculator/, Free
A calculator to help develop a retirement savings plan for a dual-income home, provide an explanation of where an individual is currently at in their retirement planning, and allow experimentation with various aspects of retirement. Best for people still many years from retirement. |
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| Deloitte LLP, December 2010, Free
http://www.iscebs.org/Resources/Surveys/Documents/401(k)Survey_10.pdf
This study note that 62% of plan sponsors surveyed feel that their responsibility includes taking an interest in whether employees are tracking towards a comfortable retirement, but even so, only 15% of plan sponsors believe most employees will, in fact, be prepared for retirement. |
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| National Bureau of Economic Research, December 2010, $5.00
http://www.nber.org/papers/w16612
The authors find that misconceptions about eligibility ages and plan generosity influence workers’ expected age of retirement, and while retirement-related decisions will affect workers’ wellbeing a lifetime, many do not possess enough basic financial knowledge to confidently make optimal choices. |
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| Employee Benefits Research Institute, 2010, Free
http://www.ebri.org/pdf/briefspdf/EBRI_IB_07-2010_No344_RRR_RSPM.pdf
This 2010 update has predictably glum results: among the Baby Boomer population, roughly 45% are at financial risk for their retirement. |
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| Transamerica Center for Retirement Studies, December 2010, Free
http://www.transamericacenter.org/resources/TCRS11thEducationalMattersFinal.pdf
This analysis shows that while most people need more information and help preparing for retirement than they currently have, those with less education have less confidence in their retirement finances, have less knowledge about it, and are looking for somewhat different forms of support. |
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| http://www.esplanner.com/product_catalog2, Free
Planning software for people who want a more detailed than usual analysis of what they need to save for retirement. |
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| http://www.esplanner.com/product_catalog2, $149 for Individual users
Planning software for people who want a detailed analysis of what they need to save for retirement. |
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| July 2010, $5.00
http://www.nber.org/papers/w16211
The authors do find some correlation between drops in the stock market and expectations of delayed retirement, but conclude that much of the current pessimism about retirement timing is due to concerns about the future economy overall, not the stock market specifically. |
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| ING Retirement Research Institute, March 2011, Free
http://ing.us/rri/file_repository/286/mapping_the_mindset_white_paper.pdf
This paper examines the psychological – and often irrational – determinants of investment behavior, and how these affect people’s ability to meet their retirement goals. |
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| Neiser discusses the financial, mental, and cultural lack of preparation for retirement among “at-risk” Americans – i.e., households earning $30-100 thousand annually. |
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| National Academy of Social Insurance, Sepember 2010, Free
http://www.nasi.org/sites/default/files/research/Economic%20Status%20of%20the%20Elderly%20in%20the%20United%20States.pdf
Reno and Veghte report that in 2007, a typical household approaching retirement was worth $676,600, with 44% of that representing the future value of Social Security benefits, and 20% representing home equity. Since then, they say, things have gotten worse. |
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| Towers Watson, September 2010, Free
http://www.towerswatson.com/assets/pdf/2717/TowersWatson-Retirement-Attitudes_NA-2010-17683.pdf
This survey of 9,080 full-time U.S. employees finds confidence in the ability to retire rebounding somewhat from 2009, but still well below pre-recession levels. |
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| Employee Benefits Research Institute, February 2011, Free
http://www.ebri.org/pdf/briefspdf/EBRI_02-2011_No354_Post-Crisis_Ret-IncAd.pdf
VanDerhei analyzes in considerable detail the impact of the recent recession on retirement security in the U.S. Among the key findings: somewhere between 3.8 and 14.3 percent of households moved into the “at risk” category during that interval. |
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| http://www.tiaa-crefinstitute.org/articles/ti_rcstatelocal0811.html, Free
Analaysis of retirement confidence among employees in the public sector. |
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| http://www.tiaa-crefinstitute.org/pdf/research/trends_issues/ti_higheredRCS0611_02.pdf, Free
Analaysis of retirement confidence among employees in the field of higher education. |
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| http://www.tiaa-crefinstitute.org/pdf/research/trends_issues/ti_k12retirement1010.pdf, Free
Analaysis of retirement confidence among employees in the public education sector. |
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| http://www.tiaa-crefinsti-tute.org/pdf/research/trends_issues/ti_hospital0910.pdf, Free
Analaysis of retirement confidence among employees in the health field. |
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| Bernard argues that any version of a systematic withdrawal program exposes the client to unacceptable risks, and that guaranteed income alternatives are needed. |
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| MetLife Mature Market Institute, February 2011, Free
http://www.metlife.com/assets/cao/mmi/publications/studies/2011/mmi-best-case-strategies-flexible-retirement.pdf
Based on surveys and in-depth interviews, this report identifies where older Americans are today, and itemizes the actions and strategies of those who are successfully planning their retirement. |
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| http://www.ebri.org/pdf/FFE.208.2Aug11.LbrPart-1.pdf, Free
Blakely provides historical data showing the recent increase in older people working is a continuation of a nearly 20-year trend, not a sudden response to the recent recession. |
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| MetLife Mature Market Institute, 2008
This document initiates a three-phase analysis of Baby Boomers as a market at risk. |
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| http://money.usnews.com/money/retirement/articles/2009/03/02/10-tips-for-evaluating-an-early-retirement-offer, Free
A good short article you can start with if you receive an early retirement offer. |
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| http://smallbusinessreview.com/for_the_boss/Business_Succession/, Free
Information about the kinds of agreements that are commonly used to set up business succession plans. |
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| http://www.urban.org/UploadedPDF/411756_low-wage_workers.pdf, Free
Butrica and Toder estimate that about a third of low-wage earners are not actually heading for a low-income retirement. |
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| AARP Public Policy Institute, April 2008, Free
http://www.urban.org/UploadedPDF/1001217_low-income_boomers.pdf
The authors provide a detailed analysis of low-income workers and their financial status in retirement, concluding that while they do less well than their higher income peers, they do better than the low-income predecessors. |
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| Urban Institute, May 2011, Free
http://www.urban.org/uploadedpdf/412339-Future-Retirement-Incomes.pdf
The authors find significant negative effects of the recession for many working families, including those that did not lose their jobs. |
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| Boston College Center for Retirement Research, May 2011, Free
http://crr.bc.edu/images/stories/Working_Papers/wp_2011-9_508.pdf
The authors show that the recession will reduce average annual incomes at age 70 by 4.3 percent, or $2,300 per person. They also provide details on which groups are expected to be hurt more, and which less. |
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| Boston College Center for Retirement Research, November 2010, Free
http://crr.bc.edu/images/stories/Briefs/IB_10-17.pdf
Coe and Haverstick identify the household characteristics that relate to decisions to work longer, save more, or both. |
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| Boston College Center for Retirement Research, November 2010, Free
http://crr.bc.edu/images/stories/Working_Papers/wp_2010-16.pdf
Coe and Webb provide the details behind the Coe et al study on how U.S. parents tend to spend rather than save when their children leave home. |
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| Boston College Center for Retirement Research, November 2010, Free
http://crr.bc.edu/images/stories/Briefs/IB_10-18.pdf
The authors find that when the children of American parents leave home, the parents generally increase their own spending rather than apply the potential savings to retirement. |
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| http://laterlifefarming.rutgers.edu/, Free
Provides a very good process for thinking through retirement issues if you are a farmer, and links you to other relevant resources. |
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| http://psychsocgerontology.oxfordjournals.org/content/66B/5/617.abstract
The researchers find that educational investments, job changes, late transitions into parenthood, and late divorces are all associated with weaker intentions to retire early. Midlife health problems are related to stronger early retirement intentions. Links to actual retirement are not as strong. |
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| National Bureau of Economic Research Working Papers, January 2009, $5.00
http://papers.nber.org/papers/w14653
The authors measure the significant extent to which life expectancy, which is greater for rich people, women, and healthy people, affects savings decisions among the elderly. |
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| National Bureau of Economic Research Working Papers, July 2009, $5.00
http://papers.nber.org/papers/w15149
The authors find that for many elderly people, the risk of living long and requiring expensive medical care is a more important driver of old age saving than the desire to leave bequests. |
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| http://www.extension.iastate.edu/finances/personal/retirement/early_retirement.htm, Free
This page summarizes the key issues and links to other pages which discuss them in more detail. |
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| Free Press, 2006, $15.00
http://www.amazon.com/Number-What-Need-Rest-Your/dp/0743270320/ref=sr_1_3?s=books&ie=UTF8&qid=1288037387&sr=1-3
Eisenberg attempts to make the connection between preparing financially for retirement and the importance of creating a life plan that identifies on what the money will be spent. |
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| Principal Financial Group, July 2008, Free
https://secure02.principal.com/publicvsupply/GetFile?fm=PQ8683&ty=VOP&EXT=.VOP.
This white paper compares four strategies for providing retirement income: mutual fund withdrawals, variable annuities with guaranteed withdrawal benefits, income annuities, and a mix of funds and income annuities. |
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| http://www.sba.gov/category/navigation-structure/starting-managing-business/managing-business/getting-out, Free
A group of web pages with information on the various ways to get out of your small business. |
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| http://help.senate.gov/hearings/hearing/?id=c8c1c5c7-5056-9502-5dd5-8b9f87d76457, Free
Includes a brief video and downloadable testimony from Jean Chatzky, Lori Lucas, Julie Agnew, and Jeffrey R. Brown. |
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| University of Michigan Retirement Research Center, May 2008, Free
http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp174.pdf
Hurd and Rohwedder note that in estimating the adequacy of retirement finances, most models fail to take into account that one member of a couple will usually survive the other and be able to continue living on less income. They measure this effect. |
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| National Bureau for Economic Research, July 2011, Free
http://www.nber.org/papers/w17203.pdf
In their study of 66-to-69-year-olds, Hurd and Rohwedder found that 71% seemed to have sufficient resources to maintain their current level of consumption in retirement, but there are important variations, including an 80% to 55% advantage for married vs. unmarried people. |
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| U.S. Social Security Administration, March 2010, Free
http://www.ssa.gov/policy/docs/chartbooks/income_aged/2008/iac08.pdf
This report documents a significant increase in income among the elderly over the years, and breaks down income sources by demographic groups. |
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| Urban Institute, January 2011, Free
http://www.urban.org/uploadedpdf/412283-Unemployed-Older-Workers.pdf
Johnson and Park highlight the difficulties that laid-off older workers are having finding jobs, and the effect this has on the idea of securing one’s retirement by working longer. |
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| Boston College Center for Retirement Research, August 2009
http://crr.bc.edu/images/stories/Working_Papers/wp_2009-13.pdf
The authors have found that persons first accepting Social Security retired worker benefits at ages 62 and 63 experience varying degrees of risk to their well being at these ages, and that these risks condition their well-being in retirement and survival probabilities. |
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| Klinger who models eight different strategies, including the mixing in of varying amounts of immediate annuities. |
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| MetLife Mature Market Institute, May 2010, Free
http://www.metlife.com/assets/cao/mmi/publications/studies/2010/mmi-retirement-readiness-index-.pdf
Rather than merely examining assets saved, this investigation looks at retirement as a transition that requires the completion of multiple tasks, and their findings are therefore more interesting than most evaluations of retirement readiness. |
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| Bankers Life & Casualty Center for a Secure Retirement, May 2011, Free
http://www.centerforasecureretirement.com/media/77155/18249_middle_income_boomers_may2011.pdf
This report finds that older middle-income workers mostly look forward to retirement, but realize that retirement will be different for them than it was for their elders, they are behind in their saving (aggravated by the recession), and they plan to delay retirement in response. |
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| Boston College Center for Retirement Research, August 2008, Free
http://crr.bc.edu/images/stories/ib_8-11.pdf
The authors find that most people do have a realistic fix on their financial readiness for retirement. |
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| Boston College Center for Retirement Research, October 2010, Free
http://crr.bc.edu/images/stories/Working_Papers/wp2010_15.pdf
Munnell summarizes the base study on which numerous mongraphs have been based. |
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| Boston College Center for Retirement Research, August 2011, Free
http://crr.bc.edu/images/stories/Briefs/IB_11-11_508.pdf
Munnell reports that retirement ages in the U.S. have been increasing in recent years (now 64 for men, 62 for women), she discusses the reasons for this, and she predicts that the trend will continue for a while. |
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| Canadian Ministry of Agriculture, 1993, Free
http://www.cnr.berkeley.edu/ucce50/ag-labor/7article/article13.htm
A helpful guide on how to talk about the future of your farm with family members. |
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| Pension Research Council, 2008
http://www.pensionresearchcouncil.org/publications/document.php?file=409
This study measure the extent to which the presence of wealth in the form of pensions, housing equity, and health insurance promotes earlier retirement, while continued good earning prospects delay it. |
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| National Bureau of Economic Research, February 2010, $5.00
http://www.nber.org/papers/w15789
This study finds that assets generally tend to increase in retirement, but that where there is a divorce, the death of a spouse, or poor health, assets are more likely to decline. |
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| Society of Actuaries, February 2011, Free
http://www.soa.org/files/pdf/research-key-finding-process-planning.pdf
This study reveals much the same constellation of concerns about retirement risks as the 2007 survey, but also queries people about planning, finding that most people do not plan much beyond normal life expectancy, and that they are not familiar with financial options that could help them. |
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| Congressional Research Service, October 3, 2008, Free
http://benefitslink.com/articles/guests/RL32697_Oct_2008.pdf
Purcell provides data and analysis of sources of income for older Americans. |
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| Allianz Life, September 2010, Free
https://www.allianzlife.com/MediaCenter/ReclaimingTheFuture.as
This white paper reports on surveys of U.S. adults age 44-to-75 taken in May 2010. The results reveal a generally pessimistic attitude about retirement finances, and a large proportion of respondents recently finding ways to reduce expenses. |
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| http://www.retireonyourterms.org/, Free
This website has assembled a selection of valuable online retirement planning resources. These resources include retirement data, practical retirement planning guidelines and other useful consumer information. |
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| http://aging.senate.gov/hearing_detail.cfm?id=325713&, Free
Hearings featuring testimony from both government and industry representatives. |
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| Vanguard Center for Retirement Research, May 2010, Free
https://institutional.vanguard.com/iam/pdf/IAMRIHO.pdf
This report discusses the need for balance between guaranteed and non-guaranteed sources of retirement income. |
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| U.S. General Accounting Office, June 2011, Free
http://www.gao.gov/new.items/d11400.pdf
The GAO recommends that people save more, work longer, invest wisely, delay Social Security and buy a life annuity. |
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| MetLife Mature Market Institute, June 2008, Free
http://www.metlife.com/FileAssets/MMI/MMIStudiesRetirementIQ.pdf
This study confirms that here remain many widespread pre-retiree
misconceptions around retirement income
issues that could put many at risk for
outliving their assets in retirement. |
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| http://www.RetirementWorks2.com, $189 retail, $89 wholesale, for the first year. $44.50 for renewal years.
Consumer-usable software for individuals, employers, and other sponsors. Performs comprehensive, integrated financial plans for retirees and near-retirees. |
|
| Active in: USA
69 Lancaster County Rd., Harvard, MA 01451
Telephone:978-456-7971
Fax:978-456-7972
info@RetirementWorks2.com
http://www.RetirementWorks2.com
Consumer-usable software for individuals, employers, and other sponsors. Performs comprehensive, integrated financial plans for retirees and near-retirees. |
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| http://ageing.oxfordjournals.org/content/40/1/54.abstract
The authors find that poor health increases the likelihood of early retirement, particularly in older workers who report depressive symptoms or impaired physical mobility, especially with lower limb pain and shortness of breath. |
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| AARP Bulletin, July 1, 2010, Free
http://www.aarp.org/work/retirement-planning/info-06-2010/running_out_of_money_worse_than_death.html
61% of Americans said they feared running out of money in old age more than they feared death, with only 39% fearing death more. |
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| University of Michigan Retirement Research Center, September 2009, Free
http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp214.pdf
The authors use sophisticated analysis to show that on average the traditional recommendations to replace 70-85% are not only reasonable, but a bit on the high side. Even so, depending largely on age and wealth level, appropriate replacement rates in individual cases can be far higher or far lower. |
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| Designations: RFC,CRC,AIF
Active in: USA
Available for speaking
116 Eagleview Ct., Henderson, NV 89074-0657
Telephone:702 898-4683
ray@sicg.net
http://www.sicg.net
SICG is a low cost, independent, fee-based wealthcare firm that offers financial planning, investment management and wealth preservation solutions for investors planning for retirement, or currently retired, specializing in constructing and managing investment income programs. |
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| William Morrow, 2005, $19.95
http://www.amazon.com/Retire-Early-Make-SMART-Choices/dp/0060798661/ref=sr_1_11?ie=UTF8&s=books&qid=1274187998&sr=1-11#_
Silbiger addresses the financial questions and consequences that arise from early retirement. |
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| http://articles.practice.findlaw.com/2008/Aug/20/500.html, Free
Outlines both simple and somewhat more exotic arrangements for small business continuation. |
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| Pension Research Council, 2010, Free
http://www.pensionresearchcouncil.org/publications/document.php?file=857
The Smetters-Chen model balances risky stocks and risk-free bonds in coordination with Social Security. |
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| Stolz reports on problems that the financial crisis has made clear concerning withdrawal rates during retirement and the models that calculate them. |
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| http://www.smallbusinessnotes.com/managing-your-business/succession-planning.html, Free
A good overview page on business succession planning, linking to numerous additional articles on specific subtopics. |
|
| SunAmerica, July 2011, Free
http://retirementreset.com/wp-content/uploads/2011/07/M5124RPT_07111.pdf
This study, based on a representative sample of Americans age 55 and older, and reveals shifts in attitudes and intentions toward retirement. |
|
| Active in: USA
info@transamericacenter.org
http://www.transamericacenter.org/
A non-profit corporation dedicated to educating the American public on trends, issues, and opportunities related to saving and planning for retirement and achieving financial security in retirement.
|
|
| Society of Actuaries, December 2009, Free
http://www.soa.org/research/pension/retire-planning-software-post-retire-risk.aspx
Turner and Witte found a long list of problems with the software they tested for the post-retirement market. |
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| Employee Benefits Research Institute, June 2011, Free
http://www.ebri.org/pdf/briefspdf/EBRI_IB_06-2011_No358_Defr-Ret.pdf
Among the authors' findings is grim news for lower income households: the lowest 25% of households would need to defer retirement age to 84 before 90% of them would have even a 50% probability of success. |
|
| http://psycnet.apa.org/journals/amp/66/3/204/
The authors review empirical findings that are associated with the key research questions in the psychological literature: (a) What is the general impact of retirement on the individual? and (b) What are the factors that influence retirement adjustment quality? |
|
| Boston College Center for Retirement Research, Septmber 2009, Free
http://crr.bc.edu/images/stories/Briefs/ib_9-20.pdf
Webb describes and evaluates alternative strategies for making financial resources last for life during retirement. |
|
| Prudential Retirement, July 2011, Free
http://news.prudential.com/images/20026/WhentoRetireretailarticleFINAL.pdf
This study focuses three key factors affecting retirement decisions, then focuses mainly on the risks of retiring at what turns out to be a bad time from the standpoint of the financial markets, and offering some sound advice about how to cope with it. |
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| Yanikoski argues that even asking how much should be withdrawn each year from retirement savings is inappropriate, and that the answers such models provide are dangerous. |
|
| http://fso.cpasitesolutions.com/Premium/BS/fg/fg-succession.html, Free
An excellent overview, with links to detailed topics, espcially for small business owners who hope to keep their business in the family. |
|
| http://ces.purdue.edu/farmretirement/, Free
A somewhat simplistic calculator, but one of very few designed specifically for farmers. |
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| http://crr.bc.edu/working_papers/the_trajectory_of_wealth_in_retirement_.html
Funds decline more slowly than remaining life expectancy, so that relative to the probable span of their remaining lives, older people tend to become wealthier over time. A planning approach taking into account uncertain lifespans, uncertain medical costs, and intended bequests is urged |
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| Hispanic Institute and Americans for a Secure Retirement, 2009, Free
http://www.paycheckforlife.org/uploads/white-paper-hispanics-and-retirement-english.pdf
This report indicates that Hispanic Americans face greater challenges in obtaining a secure retirement than the average population. |
|
| http://www.brookings.edu/testimony/2010/0901_retirement_saving_john.aspx, Free
In this review article, John summarizes three related research papers for the Brookings Institution. |
|
| Social Science Research Network, May 2011, Free
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1869465
Naylor and Lotoala find that gender and ethnicity are a strong predictor of retirement wealth even after controlling for all other factors. While the focus is on New Zealanders the results are applicable world-wide. |
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|
| Designations: CFP,ChFC, CLU
Active in: FL
7344 SW 48 Street, Suite 301, Miami, FL 33155
Telephone:305-665-2130
Fax:305-665-3504
ellen@siegelplanners.com
http://www.siegelplanners.com
We are advisors primarily. to baby boomer women who have come into a sum of money that needs to last them the rest of their life. We work with them to build the most appropriate portfolio, identify the most realistic spending plan, and identify the dreams they have for the second half of life. |
|
| http://www.urban.org/publications/500224.html, Free
In this video presentation, Johnson explains the financial and health challenges women commonly face with age, what retirement looks like for women in the 21st century, and policy recommendations to help women in their golden years. |
|
| Society of Actuaries / Living to 100 and Beyond Symposium, 2008, Free
http://www.soa.org/library/monographs/retirement-systems/living-to-100-and-beyond/2008/january/mono-li08-3b-orth.pdf
Orth examines the potential of several product and public policy strategies that could reduce the exposure of elderly women to poverty. |
|
| http://psychsocgerontology.oxfordjournals.org/content/66B/2/249.abstract
The authors report that experience of involuntary job loss and exposure to bad jobs are associated with a lower risk of retiring before age 65, whereas labor union membership is associated with a higher likelihood of early retirement – though more so for men than for women. |
|
| Transamerica Center for Retirement Studies, September 17, 2008, Free
http://www.transamericacenter.org/resources/TCRS%201007%200608%20Single%20Women%20in%20USA%20(TCRS%20v4).pdf
The 9th annual report in this series. |
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| http://jag.sagepub.com/cgi/content/abstract/27/5/588
Phua and McNally report that as men age they make less distinction between financial planning and pre-retirement planning. |
|
| Transamerica Center for Retirement Studies, August 2010, Free
http://www.transamericacenter.org/resources/11th%20Women%20and%20Retirement%20Report.pdf
Based on an extensive survey of female workers in the for-profit sector, this report reviews the impact of the recession, the current outlook, and new opportunities, including results pertaining to education and advice. |
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| Transamerica Center for Retirement Studies, 2009, Free
http://www.transamericacenter.org/Resources/TCRS%202009%20WomenRetirement.pdf
Noting that the 2009 recession hurt women’s retirement outlook more than men’s, this report highlights areas of concern, but also reveals opportunities to help women and all workers get back on track with their retirement savings. |
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| National Bureau for Economic Research, June 2011, $5.00
http://www.nber.org/papers/w17110
Th authors examine levels of financial literacy and retirement planning in Germany, finding different patterns than in the U.S. and also different patterns between the former East and West German territories. But overall, their analysis supports the value of financial literacy in Germany. |
|
| HBSC, 2009, Free
http://www.hsbc.com/1/2/retirement/interactive-report
In their fifth annual review, HBSC reports on a “perfect storm” of need and unpreparedness, in countries including Brazil, Canada, China, Dubai, France, Hong Kong, India, Japan, Mexico, Saudi Arabia, Singapore, South Korea, Turkey, the UK, and the US. |
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| http://www.sunlife-usa.com/unretirementindex/index.cfm, Free
Offers results of separate retirement surveys for the U.S. and Canada. |
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| Employee Benefits Research Institute, March 2011, Free
http://www.ebri.org/pdf/briefspdf/EBRI_03-2011_No355_RCS-2011.pdf
The authors find that existing retirees are holding steady, but people still working are concerned about lower savings, delayed retirement, and having to continue to need some earnings during retirement. |
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| U.S. House Committee on Education and Labor, October 2008, Free
http://edlabor.house.gov/hearings/fc-2008-10-07.shtml
Transcripts and webcast of statements and testimony. |
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| National Bureau for Economic Research, June 2011, $5.00
http://www.nber.org/papers/w17108
Lusardi and Mitchell study the prevalence and value of financial literacy in the U.S. as it pertains to retirement planning. |
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| Transamerica Center for Retirement Studies, September 2009, Free
http://www.transamericacenter.org/resources/TCRS%20Age%20Segmentation_PSCA%20FINAL.pdf
Results of the 10th Annual Retirement Survey of the sentiments and behavior of U.S. adults in all age groups. |
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| Bankers Life & Casualty Center for a Secure Retirement, January 2011, Free
http://www.centerforasecureretirement.com/media/38740/18120_report_01-2011_final.pdf
This study finds that over half of U.S. middle-income families do not receive any financial advice, and most of those who do have had to take the initiative themselves. |
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| Pfau concludes that consistent rates of retirement saving during employment are much more important than consistent rates of withdrawal during retirement, though he observes that there is no one rate that is right for everyone. |
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| Bankers Life & Casualty Center for a Secure Retirement, January 2011, Free
http://www.centerforasecureretirement.com/media/38097/18122_insightreport_01-2011_final.pdf
This supplement to the Bankers Life report on middle-income families, aims to debunk the three most common reasons such people say they do not seek advice: that they can do it themselves (47%), that they don’t have enough assets (37%), and that advice is too expensive (23%). |
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| https://guidance.fidelity.com/viewpoints/retirement-questions-for-couples, Free
This is a follow-up to an earlier survey Fidelity conducted that found that that 62% of pre-retiree couples don’t agree on their respective retirement ages and 34% have different lifestyle expectations once they are no longer working. |