IRA withdrawals

Winter 2020 Newsletter: MRDRC releases key findings from 2019 papers

• March 9, 2020
• Susan Barnes
• Interest Rates, IRA withdrawals, Labor force participation, Mortality trends, News, pensions, Retirement, Totalization

MRDRC published eight working papers in 2019 on topics such as totalization agreements, global interest rate trends, and retirement inequality. Informing projections Interest Rate Trends in a Global Context Dmitriy Stolyarov and Linda Tesar WP 2019-402; UM19-05 Two methodologies are…

Wealthy, educated retirees benefit from tax-advantaged retirement savings

• September 18, 2019
• Susan Barnes
• Financial well-being, Health and Retirement Study, IRA withdrawals, retirement savings

Tax-advantaged savings plans—such as IRAs, Keogh, 401ks—have a significant tax cost. Understanding their roles and effectiveness in retirement funding is crucial to assessing whether their benefits outweigh their price. Until fairly recently, measuring these accounts’ economic impact was difficult because…

Tracking the elusive irregular IRA withdrawal

• August 14, 2019
• Susan Barnes
• Financial well-being, Health and Retirement Study, IRA withdrawals, retirement savings, Uncategorized

If Michael Hurd, Erik Meijer, Philip Pantoja, and Susann Rohwedder’s “Addition to the RAND HRS Longitudinal Files: IRA Withdrawals in the HRS, 2000-2014” were a home improvement project, the researchers would have put up spacious bookshelves in the Health and…

Wealth and Savings Key Findings, 2014 to 2018

• July 30, 2019
• Susan Barnes
• Financial well-being, IRA withdrawals, Life-cycle model, Retirement, retirement savings

Addition to the RAND HRS Longitudinal Files: IRA Withdrawals in the HRS, 2000 to 2014

• May 21, 2019
• Susan Barnes
• Financial well-being, Health and Retirement Study, IRA withdrawals, retirement savings

Addition to the RAND HRS Longitudinal Files: IRA Withdrawals in the HRS, 2000 to 2014

• January 10, 2019
• Susan Barnes
• Financial well-being, Health and Retirement Study, IRA withdrawals, retirement savings

In support of research on the older population, we produced cleaned variables based on data from the Health and Retirement Study (HRS) to capture information on withdrawals from individual retirement accounts (IRAs). Where necessary, imputations for missing values have been…

Savings, Portfolio Choice, and Retirement Expectations

• June 14, 2018
• Health and Retirement Study, IRA withdrawals, Retirement, Social Security

Studying household investment behavior is essential for understanding the full consequences of old age social security benefits. Using data from six waves of the Health and Retirement Study, we analyze the dynamics of portfolio composition before respondents start claiming social…

Personal Accounts and Family Retirement

• June 14, 2018
• Behavioral economics, Family dynamics, Health and Retirement Study, IRA withdrawals, Retirement, retirement savings, Social Security

This paper constructs a model of retirement and saving by two earner couples. The model includes three dimensions of behavior: the joint determination of retirement and saving; heterogeneity in time preference; and the interdependence of retirement decisions of husbands and…