Friedman J, Sjogren J
Soc Secur Bull. 1981 Jan;44(1):16-31.
This study, using data from the Retirement History Study, indicates that as older Americans enter their retirement years, their property wealth is generally very limited and can seldom be expected to be much help in maintaining their preretirement standard of living. Although most older Americans own some form of assets, the value of these assets is generally quite small. Equity in the home is usually the most important form of asset for the elderly; liquid or income-producing assets are generally very limited in amount. Only a small proportion of respondents have substantial asset wealth. Married men are much more likely to own homes than nonmarried men and women, and are also more likely to own liquid assets of any magnitude.
这项利用退休历史研究数据开展的研究表明，随着美国老年人步入退休年龄，他们的财产财富通常非常有限，很少能指望其在维持退休前的生活水平方面提供多大帮助。尽管大多数美国老年人拥有某种形式的资产，但这些资产的价值通常相当小。房屋净值通常是老年人最重要的资产形式；流动资产或创收资产的数量通常非常有限。只有一小部分受访者拥有大量资产财富。已婚男性比未婚男性和女性更有可能拥有住房，也更有可能拥有任何规模的流动资产。
