Plan Types and Their Effect on Retirement Patterns

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In 1993, 38.9 million people were covered by a 401(k) plan, up from 7.1 million in 1983. The rapid growth of 401(k) and other defined contribution pension plans may alter retirement patterns of older workers. Previous research showed that the spread of defined benefit plans, with sharp age-related incentives first discouraging and later encouraging retirement, contributed to the early retirement trend of past decades. Defined contribution plans differ along several dimensions, especially in their smooth rate of pension wealth accrual. Data from the Health and Retirement Study show that retirement patterns have begun to change as defined contribution plans have ... continued below

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Marrone, Mickey M. August 2003.

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This thesis is part of the collection entitled: UNT Student Graduate Works and was provided by UNT Libraries to Digital Library, a digital repository hosted by the UNT Libraries. It has been viewed 91 times . More information about this thesis can be viewed below.

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  • Marrone, Mickey M.

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In 1993, 38.9 million people were covered by a 401(k) plan, up from 7.1 million in 1983. The rapid growth of 401(k) and other defined contribution pension plans may alter retirement patterns of older workers. Previous research showed that the spread of defined benefit plans, with sharp age-related incentives first discouraging and later encouraging retirement, contributed to the early retirement trend of past decades. Defined contribution plans differ along several dimensions, especially in their smooth rate of pension wealth accrual. Data from the Health and Retirement Study show that retirement patterns have begun to change as defined contribution plans have spread. Estimates indicate that the financial incentives in defined benefit pensions lead people to retire almost two years earlier, compared to people with defined contribution plans.

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UNT Student Graduate Works

This collection houses graduate student works other than theses and dissertations. All materials have been previously accepted by a professional organization or approved by a faculty mentor. The collection includes, but is not limited to problems in lieu of thesis, supplemental files associated with theses and dissertations, posters, recitals, presentations, articles, reviews, book chapters, and artwork. __Some items in this collection are restricted to use by the UNT community.__

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  • August 2003

Added to The UNT Digital Library

  • Feb. 15, 2008, 2:51 p.m.

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  • March 24, 2016, 4:17 p.m.

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Marrone, Mickey M. Plan Types and Their Effect on Retirement Patterns, thesis, August 2003; Denton, Texas. (digital.library.unt.edu/ark:/67531/metadc4306/: accessed February 26, 2017), University of North Texas Libraries, Digital Library, digital.library.unt.edu; .