The Female Factor
By Cindy Hounsell, J.D.
Executive Director of the Women’s Institute for a Secure Retirement
and Pat Humphlett, J.D.
A large number of baby boomers are moving closer to retirement age and may be facing increasing personal financial risk during retirement. In response, many policymakers and retirement planning experts are raising questions about the adequacy of traditional sources of retirement income. As the country considers these issues, it is important to recognize that women face an even greater risk than men of experiencing a dramatic decline in their standard of living in retirement. This is an issue that should be addressed and understood by both policymakers and individuals planning for retirement. This study offers an analysis of women’s economic position in retirement and the factors that determine whether they will achieve financial security in what should be their golden years.
To read more, please click here. Click here to go directly to the PDF.
Click here to see a presentation about The Female Factor.
Lifetime Income Crucial to Farmers’ Retirement Security
A Joint Issue Brief by The American Corn Growers Association
and Americans for Secure Retirement
Farm and ranch operators and their workers ("farmers") face significant and unique obstacles in planning and providing for their retirement. They are less likely to be covered by traditional pensions, which make income payments for life, as well as other employer-sponsored retirement plans, as compared to workers in general. Extreme variability in farm income - due to fluctuations in commodity prices, weather, and macroeconomic policies, among other things - also makes it difficult for farmers to plan and save for retirement effectively.
To read more, please click here. Click here to go directly to the PDF.
The New Retirement Challenge
By Jeffrey R. Brown
Assistant Professor of Finance
University of Illinois at Urbana-Champaign
In the coming decades, 77 million baby boomers will enter into their “golden years” of retirement. Thanks to dramatic advances in life expectancy over the past century, the average new retiree can look forward to nearly two decades of retirement; a large and growing number of retirees will spend three or even four decades in retirement. The fortunate among them will spend these years financially secure, able to concentrate their time and energy on family, friends, travel and other personal interests.
To read more, please click here. Click here to go directly to the PDF.
