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Key Findings Details

Are 401(k) Saving Rates Changing? Cohort/Period Evidence from the Health and Retirement Study
Irena Dushi and Marjorie Honig
WP 2007-160

  • Participation in 401(k) pensions is nearly 50 precent greater among workers born 1948-1953 (early baby boom) compared to workers born 1931-41.
  • This large growth in participation over a short period may reflect differences in saving preferences between the two cohorts, changes over this time in the retirement savings environment, or the joint effect of both.