Pursuing Universal Retirement Security Through Automatic IRAs

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Pursuing Universal Retirement Security Through Automatic IRAs

This paper proposes an ambitious yet practical set of initiatives to expand dramatically retirement saving in the United States-especially for the 75 million Americans working for employers that do not offer a retirement plan.  The fact that half of our workforce does not have access to an employer savings plan along with a declining national saving rate and the expectation that Social Security is unlikely to provide adequate benefits, make the lack of retirement saving a major national problem.  Research and experience both point to a simple and effective solution, which we call the "Automatic IRA."

Pew is no longer active in this line of work, but for more information visit the Retirement Security Project on PewHealth.org.

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