Gustman Alan L, Steinmeier Thomas L, Tabatabai Nahid
Dartmouth College, USA.
Soc Secur Bull. 2012;72(4):47-66.
This article uses household wealth and labor market data from the Health and Retirement Study (HRS) to investigate how the recent "Great Recession" has affected the wealth and retirement of those approaching retirement age as the recession began, a potentially vulnerable population. The retirement wealth of people aged 53-58 in 2006 declined by a relatively modest 2.8 percent by 2010. Relative losses were greatest among those with the highest wealth when the recession began. Most of the loss in wealth is due to a declining net value of housing, but several factors may provide this cohort with time to recover its housing losses. Although unemployment rose during the Great Recession, that increase was not mirrored by flows out of full-time work or partial retirement. To date, the retirement behavior of the Early Boomer cohort does not differ much from that of older cohorts at comparable ages.
本文利用健康与退休研究（HRS）中的家庭财富和劳动力市场数据，来调查近期的“大衰退”如何影响那些在衰退开始时接近退休年龄的人群的财富和退休状况，这是一个潜在的弱势群体。2006年年龄在53 - 58岁之间的人群的退休财富到2010年相对适度地下降了2.8%。衰退开始时财富最高的人群相对损失最大。财富损失的大部分归因于住房净值的下降，但有几个因素可能为这一群体提供时间来弥补其住房损失。尽管在大衰退期间失业率上升了，但从全职工作或部分退休状态流出的情况并未出现相应增加。迄今为止，早期婴儿潮一代的退休行为与同龄的较老群体相比并没有太大差异。
