RetireSecure Blog

The Pension Research Council’s curated blog features insights from the industry’s leading professionals. Views of our Guest Bloggers are theirs alone, and not of the Pension Research Council, the Wharton School, or the University of Pennsylvania.

How Have Historical Housing Barriers Shaped Wealth Inequality?

Racial covenants in the US have hindered Black Americans from acquiring homes and contributed to economic disparities, concludes Larry Santucci of the Federal Reserve Bank of Philadelphia. Via RetireSecure blog….

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Debt Delinquency Among Older Americans: A Growing Challenge for Retirement Security

Older Americans in racial/ethnic communities are struggling with debt in retirement, highlighting the role for targeted interventions to ensure more equitable retirement outcomes and improve retiree financial security, explains Senior Research Associate, Mingli Zhong of the Urban Institute, via the RetireSecure blog….

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Understanding and Addressing Trends in Racial Disparities in Retirement Security

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….

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Congress Considers Adding CIT Access for 403(b) Plans

Bipartisan legislation is pending in Congress to grant public-sector workers, including those in 403(b) retirement plans, access to collective investment trusts (CITs), long available only to private-sector employees. With CITs offering lower costs and improved transparency, fiduciaries should consider including them in their fund lineups once the legislation is passed, explains Jason Levy of Great Gray Trust Company, via RetireSecure Blog….

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Employee Financial Wellness Has Suffered

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….

Should You Roll Over Your 401(k) When You Retire? Here’s How to Think About It

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. …

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Defined Contribution Plan Behavior through a Gender Lens

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. …

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Enhancing Retirement Planning with AI-Based Tools

Daniel G. Goldstein of Microsoft Research examines how AI advancements could transform retirement planning by improving financial decision-making and addressing challenges like bias and accessibility, via RetireSecure blog….

Health Savings Accounts through a Gender Lens

Health Savings Accounts (HSA) have grown over the past 16 years, providing retirees with added financial security, explain Nevenka Vrdoljak and Susan Feng of Bank of America. Via RetireSecure blog….

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Should I stay or should I go: When does it make sense to stay in my employer 401k plan after retirement?

Though IRAs can provide great investment options and sophisticated advice for retirees, many may benefit from remaining in company 401(k) plans after leaving their jobs, explains Catherine Reilly, retirement and investment expert, via RetireSecure blog….

A small group of people having a meeting or consultation. An older person with short white hair is discussing documents with two younger individuals, seated on a sofa. A laptop and glass of water are visible.

Young Adults Perspectives on Global Issues versus Personal Finance

Young adults are committed to solving global problems yet they are less optimistic and less engaged in financial matters. Financial education, retirement planning, and workplace benefits participation can help manage financial stress and improve long-term outcomes for this cohort, report Surya Kolluri and Emily Watson of the TIAA Institute and Jeanne de Cervens of the Georgetown University McDonogh School of Business. Via RetireSecure blog. …

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Racial, Ethnic, and Gender Gaps in Retirement Knowledge among Older Adults: What Do We Know?

Differential access to employer-provided retirement plans is a key indicator of racial, ethnic, and gender disparities in retirement preparedness, find researchers Luisa Blanco of Pepperdine University and Ron Hays of UCLA Department of Medicine, via RetireSecure blog. …