This paper examines the relationship between student loans and retirement saving behavior
by 30-year-old workers. Total outstanding student loan debt in the United States has …

The rapid rise in student loan debt has received much attention from policymakers and the
media. Student debt nearly tripled in real terms between 2005 and 2017, and both the share …

… Rutledge, April Yanyuan Wu, Francis Vitagliano … Rutledge, April Yanyuan Wu, Francis
Vitagliano. All rights reserved. Short sections of text, not to exceed two paragraphs, may be …

As a result of rollovers from 401 (k) plans, Individual Retirement Accounts (IRAs) have become
the biggest form of retirement savings –bigger than 401 (k) s. This development raises …

As the role of 401 (k) and similar defined-contribution plans continues to expand in our
retirement system, plan participants are paying more of the cost of financing their retirement …

The shift in pension coverage from defined benefit plans to 401 (k) s has been underway since
1981. This shift is the result of three developments: 1) the addition of 401 (k) provisions to …

Beginning this year, people can convert all or a portion of their traditional IRA balances into
Roth IRAs. Although this new allowance for conversions applies explicitly to traditional IRAs, …

Changes in the retirement landscape–rising life expectancy, declining Social Security
replacement rates, and vanishing traditional pensions–increase the need for individuals to save. …

In 2010, the US Department of Labor proposed changes that would eliminate third-party
incentive payments, such as 12b-1 fees, that may encourage broker-dealers to sell high-fee …

Increasingly, employers who provide their employees with a retirement plan are relying on
401 (k) and similar defined contribution plans instead of defined benefit plans. As a result, …