Description: This paper suggests a number of legislative changes, educational efforts, and changes in annuity products and asset allocation software that could assist workers and retirees to better prepare for and respond to declining mortality rates and future increases in income needs. From Retirement Needs Framework, M-RS00-1.

Description: This paper talks about the risks of defined benefit and defined contribution plans.

Description: This paper talks about shifting from defined benefit to defined contribution plans and the risk involved.

Description: This paper offers ideas on new retirement plan designs that share investment risk or longevity risk, or both, between employers and employees.

Description: This paper suggests a possible framework for the mandatory annuitization of U.S. retirement savings, considers the experience of other countries and analyzes the advantages and disadvantages of mandatory annuitization.

Description: Presented at Living to 100 Symposium, January 2011. The U.S. retirement system has many defects that affect individuals’ ability to survive living to 100. This paper explores some of the problems that individuals face and recommends changes that could make the U.S. system work better.

Description: This paper examines the current presence of more females in the work force, and the Social Security/retirement issues that are raised by this trend. From Retirement Implications of Demographic and Family Change Symposium Monograph, M-RS02-2.