Helman Ruth, Salisbury Dallas, Paladino Variny, Copeland Craig
Mathew Greenwald & Associates, Inc., USA.
EBRI Issue Brief. 2005 Apr(280):1-29.
This Issue Brief reports findings of the 15th annual Retirement Confidence Survey (RCS), which points to potential solutions to the American retirement savings problem, specifically ways that could help workers save more through their employment-based retirement plans. IMPORTANCE OF EMPLOYER MATCH: More than 7 in 10 workers not currently contributing to their employer-sponsored retirement plan say an employer contribution of up to 5 percent of their salary would make them much more or somewhat more likely to participate (72 percent). SIMPLIFIED OPTIONS: Other retirement plan options that nonparticipants say would make them more likely to contribute are an investment option that automatically becomes more conservative as their retirement date approaches (66 percent) and a feature that automatically raises workers' contributions by a fixed amount or percentage when they receive a pay raise (55 percent). Two-thirds of nonparticipants indicate they would be very or somewhat likely to remain in their employer's plan if they were automatically enrolled (66 percent). SOCIAL SECURITY: Nearly 7 in 10 of today's workers are skeptical that Social Security will continue to provide benefits of at least equal value to those received by current retirees (68 percent). This proportion has remained relatively constant in recent years, but is below the 1995 level (79 percent). Workers continue to be unable to identify the age at which they will be eligible for full Social Security benefits. MOST BEHIND SCHEDULE IN SAVING: A majority of workers believe they are behind schedule when it comes to planning and saving for retirement (55 percent). Most of those behind schedule say that high expenses, particularly everyday expenses (49 percent), child-rearing expenses (39 percent), and medical costs (35 percent), are a major factor in keeping them from saving. LESS THAN HALF HAVE TRIED TO CALCULATE NEEDED SAVINGS: Approximately 4 in 10 workers say they have tried to calculate how much they need to accumulate for retirement. More than one-third of these workers say they asked a financial advisor to calculate this number or used their own estimates; 10 percent say they simply guessed how much they will need in retirement.
本问题简报报告了第15次年度退休信心调查（RCS）的结果，该调查指出了美国退休储蓄问题的潜在解决方案，特别是有助于员工通过雇主提供的退休计划增加储蓄的方法。雇主匹配的重要性：在目前未参与雇主赞助退休计划的员工中，超过十分之七的人表示，雇主缴纳相当于其工资5%的款项会使他们更有可能或更有可能参与计划（72%）。简化选项：未参与者表示会使他们更有可能缴费的其他退休计划选项包括：随着退休日期临近自动变得更加保守的投资选项（66%），以及在员工加薪时自动按固定金额或百分比提高缴费的功能（55%）。三分之二的未参与者表示，如果自动加入，他们非常或有点可能继续留在雇主计划中（66%）。社会保障：近十分之七的在职员工怀疑社会保障能否继续为他们提供与当前退休人员所获福利至少等值的福利（68%）。这一比例近年来相对保持稳定，但低于1995年的水平（79%）。员工仍然无法确定自己何时有资格领取全额社会保障福利。储蓄最落后：大多数员工认为自己在为退休进行规划和储蓄方面落后于计划（55%）。大多数落后于计划的人表示，高额开支，特别是日常开支（49%）、育儿费用（39%）和医疗费用（35%），是阻碍他们储蓄的主要因素。不到一半的人尝试计算所需储蓄：约十分之四的员工表示，他们曾尝试计算退休需要积累多少钱。这些员工中，超过三分之一的人表示他们请财务顾问计算这个数字或自行估算；10%的人表示他们只是猜测退休需要多少钱。
