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Retirement Income Security: Denial and Deflection in the Age of Individual Responsibility

Published by: TowerGroup

Published: Jul. 31, 2006 - 9 Pages


Table of Contents



TowerGroup Take-Aways

Report Coverage

Poor Retirement Preparedness of Most US Households

Exhibit 1 Shift in Retirement Funding and Investing from Employer to Employee (1978-2001)

Exhibit 2 Median US Household Stock Holdings and Net Worth (1992-2001)

Exhibit 3 Average Balances in 401(k) Accounts Insufficient to Fund Retirement Despite Growth (1999-2004)
Loss of Financial Structure Along with Paycheck

Exhibit 4 Challenges of Retirement Due to Loss of Financial Benefits and Structure

Exhibit 5 Cost for Retiree Health Care by Age at Death: A Major Unplanned Expense
Making the Money Last

Exhibit 6 Longevity Probability at Age 65 for Male, Female, and at Least One Member of a Couple

Exhibit 7 Consequences of the Sequencing of Returns on the Sustainability of Retirement Income

Summary


Abstract

For over two decades, tectonic shifts have been under way in retirement benefits and planning. The net result of these trends is that many individuals and households can no longer count on pensions for retirement income and are more on their own to plan for a comfortable retirement. This Research Note exposes the poor state of preparedness of the average US household and identifies and dissects many of the challenges faced by future retirees. Forthcoming TowerGroup research will highlight opportunities for financial services institutions to provide products and services that address households' urgent need to ensure they will have sufficient income for their retirement years.

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