Access the latest news and research from the National Institute of Retirement Security.
In a Forbes column, NIRS Executive Director Dan Doonan writes that as America ages and income inequality deepens, concerns about retirement security are mounting. Some voices, however, indicate that retirement concerns are exaggerated, relying on data indicating that older Baby Boomers have largely fared well in retirement. But new research published in The Journal of Retirement […]
Happy birthday, Social Security! President Franklin D. Roosevelt signed the Social Security Act into law on August 14, 1935, establishing a program that would grow over 90 years to become the foundation of retirement security in the United States. As we celebrate the remarkable accomplishments of Social Security during this anniversary month, it’s also important […]
A new report finds U.S. public pension plan investment strategies have adapted to meet changing market conditions.
Fear-driven decision making, like claiming Social Security early, can undermine long-term retirement security.
U.S. public policy typically encourages saving. Our retirement system has undergone a major transformation over the past four decades, shifting workers to an individual savings-based system. Public policy supports saving for college costs, health costs, and emergencies, so it seems odd when a specific group of Americans is denied the ability to save, but that […]
For decades, Americans have been told that Social Security is teetering on the brink. Warnings about a looming mismatch between the program’s revenues and expenses have become part of the Social Security narrative. As a result, it seems like the system is in constant need of reform. It’s a compelling story, but it’s not the […]
In a new Forbes column NIRS Executive Director Dan Doonan writes that pension income is so much more than just income for retirees – it’s also a reliable economic engine that impacts virtually every community across the U.S. When pension income lands in a retiree’s bank account, that money doesn’t just sit in an account. […]
In 2025, will more employers offer pensions to workers who are worried about their financial future?
The upcoming election is only days away, and the two presidential candidates remain in a statistical dead heat. Control of the U.S. Congress seems likely to be narrow as well, with either party having a chance to win control. Clearly, the electorate is deeply divided, and it is increasingly rare to find issues that transcend […]