Ef fect of Par ticipant Behaviors on Projected
نویسندگان
چکیده
I. OVERVIEW AND SUMMARY The 401(k) plan is only about 20 years old, which means that individuals retiring today could have participated in 401(k) plans for at most half of a typical full working career. As more American workers participate in 401(k) plans and become increasingly responsible for their own retirement security, the question of whether their 401(k) accumulations will produce sufficient income in retirement is a significant policy concern. This issue of Perspective develops a model that projects the proportion of an individual’s pre-retirement income that might be replaced by 401(k) plan accumulations at retirement, under several different projected scenarios.
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