Pursuing Universal Retirement Security Through Automatic IRAs

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Pew is no longer active in this line of work, but for more information visit the Retirement Security Project on PewHealth.org.

National Homeownership Month

Composite image of modern city network communication concept

Learn the Basics of Broadband from Our Limited Series

Sign up for our four-week email course on Broadband Basics

Quick View

How does broadband internet reach our homes, phones, and tablets? What kind of infrastructure connects us all together? What are the major barriers to broadband access for American communities?

Pills illustration
Pills illustration

What Is Antibiotic Resistance—and How Can We Fight It?

Sign up for our four-week email series The Race Against Resistance.

Quick View

Antibiotic-resistant bacteria, also known as “superbugs,” are a major threat to modern medicine. But how does resistance work, and what can we do to slow the spread? Read personal stories, expert accounts, and more for the answers to those questions in our four-week email series: Slowing Superbugs.