收益波动变化对退休财富的影响

A. Nichols, Melissa M. Favreault
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引用次数: 12

摘要

在过去的几十年里,家庭收入的波动性显著增加,而个人收入的波动性保持相对平稳。波动性可能会影响退休财富,这取决于波动性是否影响累积养老金缴款或提款,或记入未来社会保障福利的收入。本项目利用与行政收入记录相匹配的调查数据,评估个人和家庭收入波动对资产积累和预计退休财富的影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Impact of Changing Earnings Volatility on Retirement Wealth
Over the last several decades, the volatility of family income has increased markedly, and own earnings volatility has remained relatively flat. Volatility may affect retirement wealth, depending on whether volatility affects accrued pension contributions or withdrawals or earnings credited toward future Social Security benefits. This project assesses the effect of the volatility of individual and family earnings on asset accumulation and projected retirement wealth using survey data matched to administrative earnings records.
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