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Article

New Evidence on the Effect of Economic Shocks on Retirement Plan Withdrawals

Teresa Ghilarducci, Siavash Radpour and Anthony Webb
The Journal of Retirement Spring 2019, jor.2019.1.046; DOI: https://doi.org/10.3905/jor.2019.1.046
Teresa Ghilarducci
is Bernard L. and Irene Schwartz Professor at The New School for Social Research and director of the Schwartz Center for Economic Policy Analysis (SCEPA)
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Siavash Radpour
is an economics PhD student at the New School for Social Research and a research associate at SCEPA
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Anthony Webb
is the Retirement Equity Lab Research Director at SCEPA
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Abstract

Using data from the Survey for Income and Program Participation (SIPP), this study investigates the relationship between withdrawals from 401(k) and IRA accounts and household level economic shocks such as job loss, job change, divorce, and the onset of poor health. Workers in low-wage households are more likely to withdraw from their accounts than those in middle and high income households, in part because they are more likely to withdraw when they experience a shock and also experience more shocks. Shocks are associated with about 20% of all retirement account withdrawals and exacerbate pre-existing inequalities in financial preparation for retirement.

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New Evidence on the Effect of Economic Shocks on Retirement Plan Withdrawals
Teresa Ghilarducci, Siavash Radpour, Anthony Webb
The Journal of Retirement Mar 2019, jor.2019.1.046; DOI: 10.3905/jor.2019.1.046

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New Evidence on the Effect of Economic Shocks on Retirement Plan Withdrawals
Teresa Ghilarducci, Siavash Radpour, Anthony Webb
The Journal of Retirement Mar 2019, jor.2019.1.046; DOI: 10.3905/jor.2019.1.046
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