Chapter Chapter <b>The Role of 401(k) Accumulations in Providing Future Retirement Income</b>

Sarah Holden and Jack VanDerhei

in Restructuring Retirement Risks

Published in print August 2006 | ISBN: 9780199204656
Published online September 2006 | e-ISBN: 9780191603822 | DOI:
Chapter  Chapter   The Role of 401(k) Accumulations in Providing Future Retirement Income

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As defined contribution plans are increasingly being offered as the primary employer-sponsored pension, it is of interest to ask whether these accumulations are likely to yield sufficient retirement income. This chapter uses a projection model to explore alternative future scenarios for retirees who had 401(k) plans available to them over their full working careers. It also assesses the impact of ‘catch-up’ contributions, saving through an individual retirement account when an employer does not offer a 401(k) plan, and changing retirement ages.

Keywords: pensions; projections; forecast; adequacy; retirement saving; retirement age

Chapter.  5295 words.  Illustrated.

Subjects: Financial Markets

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