About the PRC
The Pension Research Council of The Wharton School of the University of Pennsylvania is committed to generating debate on key policy issues affecting pensions and other employee benefits. We sponsor interdisciplinary research on the entire range of private pension and social security programs, as well as related benefit plans in the United States and around the world.

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  • The image shows two miniature figures in business attire standing on stacks of coins of varying heights. A wooden ladder connects two of the stacks. This represents economic disparity or inequality.

    Racial disparities threaten many Americans’ financial security, but effective policies could mitigate these challenges and help families build a secure retirement foundation, explain Karen Dynan and Doug Elmendorf of the Harvard Kennedy School, via RetireSecure Blog….

  • Stethoscope, pen, and financial report with graphs and charts, symbolizing the intersection of healthcare and financial analysis.

    Employers can design benefits programs encouraging their employees to elevate their financial wellness, report Anil Suri, Nevenka Vrdoljak, and colleagues from Bank of America, via RetireSecure blog….

  • A clipboard titled "401K Rollovers" with a pair of glasses and a wooden gavel placed on a wooden surface, representing legal and financial concepts.

    Who should roll over a 401(k) into an IRA? The answer depends on your level of financial sophistication, explain researchers Olivia S. Mitchell of the Wharton School, Catherine Reilly of CM Reilly Associates, and John A. Turner of the Pension Policy Center, via RetireSecure blog. …

  • A person with short gray hair and glasses is smiling, holding a credit card while using a laptop. A glass of coffee is on the table in a cozy room.

    Men and women both share retirement worries, but women’s unique life circumstances warrant greater attention in retirement planning decisions, including plan participation and investment strategies, report Bank of America’ Nevenka Vrdoljak and Susan Feng: Retire Secure Blog. …

RetireSecure Blog
Book cover with the title "Reducing Retirement Inequality: Building Wealth and Old-Age Resilience," edited by Olivia S. Mitchell and Nikolai Roussanov. The design features diverse silhouetted profiles in a textured, patterned style.
iStock.com/Angelina Bambina

Available for Pre-order:

Reducing Retirement Inequality: Building Wealth and Old-Age Resilience

Olivia S. Mitchell and Nikolai Roussanov, Editors
Spring 2025

Many older people are poorly prepared to finance their retirement years. This volume explores the determinants and dynamics of inequality in retirement income in the United States, with an emphasis on inequality by race and ethnicity. Although there has been a great deal of public emphasis on inequality at the very top of the wealth distribution, our focus is on inequality for more representative Black, Hispanic, and White households. Contributors assess the roles of housing wealth, pensions, and Social Security in reducing the retirement wealth gap, as well as the inequality-mitigating effects of old-age public and private retirement saving programs.

Order online from Oxford University Press

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Pension Research Council
The Wharton School of the University of Pennsylvania
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Philadelphia, PA 19104-6302
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