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Key Findings Details

Are All Americans Saving 'Optimally' for Retirement?
John Karl Scholz and Ananth Seshadri
WP 2008-189

  • There is little evidence that Americans born before 1954 have prepared poorly for retirement.
  • We find only 4 percent of HRS households have net worth below their optimal targets in 2004, though this percentage is somewhat higher for more recent HRS cohorts.