White Papers

June 2011
3-D Hurricane and the New Normal
Research Affiliates
By Jason Hsu, Chief Investment Officer

June 2011
Retirement Security: Challenges Confronting Pension Plan Sponsors, Workers, and Retirees
American Enterprise Institute
By Alex Brill | Testimony before the House Committee on Education and the Workforce Subcommittee on Health, Employment, Labor, and Pensions
(June 14, 2011)

Read the full testimony as a PDF.
Introduction
Sound retirement security policy for future retirees requires planning. Ensuring the goal of adequate asset accumulation at retirement necessitates sufficient savings throughout an individual's career. To that end, workers need to be engaged; employers need to be responsible; and policymakers must ensure that pension law, tax law, and the Social Security system operate in a manner that promotes opportunities for private saving, appropriate retirement asset management, and sustainability and predictability. Together, these programs should complement the goal to strengthen the financial security of our workforce.

June 2011
Research Shows Estimates for Cutting Retirement Savings Exaggerated; Actual Savings are 55 - 75 Percent Less than Forecast
 

Understanding the Accidental Investor: Baby Boomers on Retirement
May 2011
Near-retirees and retirees are feeling uncertain about the future, fearful of poverty, not confident in their investing abilities, and distrustful of unscrupulous financial services and insurance firms, according to a new white paper issued by Financial Engines (FNGN), the nation's largest independent registered investment advisor. Those were the four most common emotions expressed by baby boomers in over 300 interviews and surveys that Financial Engines conducted between 2008 and 2011. The white paper entitled, "Understanding the Accidental Investor: Baby Boomers on Retirement," provides insight on the emotions, behaviors, and needs that near-retirees and retirees exhibit around retirement. 
 

Reclaiming the Future
October 2010
The Allianz "Reclaiming the Future" study looks at the unique needs, perceptions, and strategies that define the baby boomer generation's need to rethink retirement. The study revealed several key findings which will be of interest to those concerned with how currently designed 401(k) plans will provide financial security to future retirees.

Shedding Light on Retirement
October 2010
55% of retirement consumers are not sure how to reach their goals. ING study examines the new dynamics of retirement savings in light of increased individual responsibility, and retirement consumers' desires for more information, guidance and services.

Scottrade_American Retirement_Study(2762 KB)
June 2010
In 2009, Americans endured turmoil in the economy that caused many to rethink their retirement plans, tighten the reins on their finances and keep a closer ...

How to Maximize Your Retirement Savings- Investing in Your Retirement
May 2007
As you approach retirement, there are a number of steps you can take to wring the most out of your retirement savings and put yourself in a position to live the retirement you desire. Some of the strategies are at your fingertips while others require a bit more planning. Combine the ideas that work for you to help you meet your objectives. Along the way, your MetLife representative is available to help you get organized, help you make more informed decisions for you and your family and help you create income that you cannot outlive to replace your paycheck.