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Senior man calculating finances

Abstract This analysis uses data from the Health and Retirement Study (HRS) to examine the sources of variation in mortality for individuals of varying socio-economic status.  The use of the HRS allows a distinction between education and a measure of career earnings as primary determinants of socio-economic status for men and women separately.  We us…

Saving and pension planning

The brief’s key findings are: Although the introduction of defined contribution plans by some states has received considerable press attention, activity to date has been modest. Moreover, most recent shifts involve either hybrid plans or cash balance plans, rather than stand-alone defined contribution plans. The changes appear driven by a desire to avoid future unfunded liabilities, to…