Section Banner
spacer
spacer
spacerspacerspacerspacerspacer
spacer home > research > research key findings > key findings details
Key Findings Details

Are All Americans Saving 'Optimally' for Retirement?
by 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.