Description: This is the Phase II report of a two–phase effort. The Phase I report, released in March 2009, consists of defining relevant and actionable consumer segments among middle–income/mid–level net worth households. This Phase II report defines a basic approach that could lead to a set of answers or 'solutions' that address the retirement risks faced by each segment. A second objective of Phase II is to provide insight regarding the nature of the retirement risks faced by varying segments of consumers and suggestions for solutions that address those risks.

Description: This article provides a perspective on the SOA’s Aging and Retirement research reports, and on the types of research that are included. The SOA does a lot of research on different retirement topics, and many people are not aware of the scope of this work. This article offers an overview of the big picture as we think about the future. The article describes longer-term challenges to the US retirement system and recent developments that have affected the system and created uncertainty. It provides an overview of what individuals have said about retirement and their view of post-retirement risks and planning in a variety of consumer research studies. It then reviews some of the research and provides information on summary reports which provide insight on the findings from multiple related research reports. It also provides information about consumer education and what is currently available and in process. It then focuses on how the SOA is helping retirement professionals understand current and expected change and discusses areas of uncertainty as we help those we serve deal with change.

Description: An article presenting updated results as of 12/2021 by using analgorithm that formed part of a paper presented at the AFIR-ERMColloquium which took place in Panama, in 2017. This article starts by proving that the conditions that have to be met in order for the formula to apply that were present in 12/2015 still hold.

Description: The SOA is pleased to make available material from the Stanford Center on Longevity that focuses on predictions of financial security at different life stages.

Description: This paper sets forth challenges presented by an aging society with a focus on the situation of the individual and the implications for actuaries. From Retirement Needs Framework, M-RS00-1.

Description: This report highlights findings from the 2011 Retirement Risks Survey related to economic and financial issues, with additional sources for commentary.

Description: This report provides key findings from the 2005 Risks and Process of Retirement Survey related to Americans' awareness of retirement risk, how their awareness has changed since the previous study performed in 2003, and how it affects the management of their finances.

Description: This is the Questionnaire used for the research study, 'Will Retirement Assets Last a Lifetime?'. That study, sponsored by the Society of Actuaries Committee on Post Retirement Needs and Risks, LIMRA, and the International Foundation for Retirement Education, surveyed approximately 1,500 retirees with $100,000 or more of investable financial assets. The survey questions explored how retirees make decisions about investing their assets and purchasing financial products

Description: This document summarizes the many potential hazards individuals may face during retirement. It is designed to serve as a complement to other retirement planning resources.

Description: The research report focuses on the financial impact student debt can have on both working and retired Americans.