CRR Director Alicia Munnell writes a weekly blog post for MarketWatch.

Recent Posts

Working Longer is Possible for Most People (7/26/21)

Private Equity Does Not Belong in 401(k) Plans (7/20/21)

401(k) Participants Flourished in 2020 with a Soaring Stock Market (7/13/21)

Proposed Legislation Would Allow $1,000 Penalty-free 401(k) Withdrawal (7/6/21)

What Long-Term Services and Supports do Retirees Need? (6/29/21)

Proposed Legislation Would Allow ESG Funds as Default in 401(k) Plans (6/21/21)

Shoring up Supplemental Security Income Would Help Many of the Nation’s Poorest (6/14/21)

Will Millennials be Ready for Retirement? (6/8/21)

What Does the Inflation Spike Say About the Social Security COLA? (6/1/21)

What Happens to Government Workers Who Don’t Receive Social Security? (5/26/21)

Your 401(k) Balances Aren’t All Yours (5/18/21)

Biden’s Plan to Fully Tax Capital Gains is Good Policy (5/10/21)

To What Extent will Working from Home Continue? (5/3/21)

What Happens When Worker Benefits are Cut? Some Suggest that Workers Offset Benefit Loss with More Saving Elsewhere (4/26/21)

Has COVID-19 Pushed More People Into Retirement? (4/20/21)

Can Investors Solve the Climate Change Problem? (4/13/21)

COVID $1.9 Trillion Package Temporarily Expands Earned-Income Tax Credit (3/30/21)

Critics Leap on Aid to Multiemployer Pension Plans (3/23/21)

What is the Value of Annuities? (3/17/21)

Do Men and Women Save Differently for Retirement? (3/8/21)

Has COVID-19 Really Affected Life Expectancy? (3/1/21)

Few 401(k) Participants Changed Portfolio Allocation When Market Tanked (2/23/21)

Retirement Income Security for Everyone (RISE) Raises Many Questions (2/17/21)

Low Interest Rates Make It Harder to Save for Retirement (2/8/21)

What’s Happening to State and Local Government Finances? (2/1/21)

Retirement Security in 2019 and 2020: We Need to Fix Our Retirement System (1/25/21)

How to Get Steady Income for Life (1/21/21)

COVID Pressured Some Employers to Suspend their 401(k) Match (1/12/21)

Eliminating Social Security’s WEP and GPO Provisions Is Not the Way to Help Retirees (1/5/21)

COVID Is Not a Retirement Story (12/21/20)

Auto-IRA Programs Are Closing the Coverage Gap (12/18/20)

Social Security Actuaries Update Projections for COVID-19 (12/8/20)

How Has COVID-19 Affected Older Workers (11/30/20)

Social Security Lets You Change Your Mind (11/16/20)

401(k) and IRA Balances Are Up Modestly, a Key Survey Shows (11/10/20)

Here’s an Easier Way to Think About ESG Investing (11/2/20)

DOL Punts on SECURE Act Lifetime Income Illustrations (10/27/20)

Social Security Benefits Will Increase by 1.3% in 2021 — Is This Keeping Up with How Seniors Actually Spend? (10/20/20)

Social Insurance Is the Best Way to Save — Now More Than Ever (10/13/20)

How Rich Is the ‘Middle Class’? (10/6/20)

Are We Undercounting or Overcounting COVID-19 Deaths? (9/30/20)

Payroll Tax Deferral Messes with Social Security — One of the Few Good Things in This Crazy World (9/21/20)

Biden’s 401(k) Plan: Changing Tax Incentive for Retirement Is a Great Idea (9/14/20)

A Drop in Social Security’s Average Wage Index Could Hurt Four Million People (9/8/20)

Department of Labor Rules on Both Sides of the Social Investing Issue (8/31/20)

Should We Rethink How We Tax Social Security Benefits? (8/24/20)

Don’t Trust the TRUST Act (8/17/20)

Paying Off Unfunded Pensions Liabilities Will Be a Low Priority After COVID-19 (8/10/20)

Department of Labor Comes Down Hard on Social Investing (8/4/20)

Don’t Cut the Payroll Tax — Let’s Help Those without a Job (7/28/20)

Tapping Social Security for Anything — Including COVID-19 Payments — Is Wrongheaded (7/21/20)

What Will COVID-19 Mean for Social Security Claiming? (7/16/20)

Will COVID-19 Force Older Workers to Retire? (7/8/20)

New Labor Department Rule Changes Default Retirement Plan Disclosure from Paper to Electronic (6/29/20)

Social Security’s Average Wage Index Likely to Decline in 2020 (6/23/20)

COVID-19 Is Not as Big a Threat to Typical Older Workers as You Might Think (6/16/20)

Older Workers Are as Well Situated as Younger Workers to Work Remotely (6/9/20)

Pre-COVID-19 Survey Shows Employers Positive on Older Workers (6/1/20)

Can People Really Work from Home? (5/27/20)

Social Security and COVID-19: 3 Ways the Shutdown Could Impact the Program (5/18/20)

Job Losses Have Hit Older Workers Harder than Prime-age Workers (5/11/20)

Social Security Report Shows Uptick in 75-Year Deficit, No Change in Trust Fund Depletion Date (5/6/20)

How Will the Coronavirus Pandemic Affect Social Security’s Finances? (4/30/20)

Employers Start to Suspend Their 401(k) Match (4/21/20)

Why Suspending the RMD Rules for 2020 Is a Good Move (4/14/20)

Congress Missed a Big Opportunity in the CARES Legislation (4/6/20)

Why Do So Many People Need Financial Help? (3/30/20)

Suspending the Social Security Payroll Tax Is a Terrible Idea (3/24/20)

Scattering of Death Rates Has Huge Implications for Social Security (3/20/20)

Yes, Retirement Benefits for Police and Fire are Expensive (3/10/20)

There are No Magic Fixes for Social Security (3/2/20)

Health Savings Accounts are Crazy Bad Tax Policy (2/26/20)

Do Millennials Really Deserve a ‘Gold Star’ for Retirement Saving? (2/18/20)

Life Expectancy is Up Slightly — and That’s Good News (2/11/10)

No Need to Talk About the Saver’s Credit in a Presidential Campaign (2/4/20)

Are Retiree Housing Patterns Stable Enough to Borrow Against Home Equity? (1/28/20)

How Can We Fix Social Security’s Coming Cash Shortfall? (1/22/20)

Secure Act is Likely to Have a Positive — but Small — Impact (1/15/20)

Middle-Income Households Haven’t Recovered Since the Great Recession — Here’s a Reason Why (1/7/20)

Recent Surveys Show Sharp Decline in Retirement Wealth for Typical Household (1/2/20)

How Valuable is Medicare Part D Prescription Drug Insurance? 12/17/19)

The Only Way to Ensure Retirement Plan Coverage for the Uncovered is an Employer Mandate (12/10/19)

Social Security is a Great Economic Equalizer (12/3/19)

How Far Off are the Actuarial Adjustments of Social Security Benefits? (11/19/19)

What Will Retirement Look like in 50 Years? (11/11/19)

Social Security Reform Proposal: Why Do Estimates of the 2100 Act’s Impact Differ? (11/4/19)

Can You Save Your Way Out of Trouble? (10/30/19)

GE Freezes its Pension Plans and Offers Former Employees Lump Sum Buyouts (10/23/19)

How Much Would People Take Out of Retirement Accounts if Left on their Own? (10/15/19)

Massachusetts Just Imposed a Payroll Tax to Pay for Family Leave (10/7/19)

How Would Negative Interest Rates Impact your Retirement Security? (10/2/19)

Elizabeth Warren Calls for a Dramatic Expansion of Social Security Benefits (9/23/19)

The Overlooked Data Point in the New Census Report: Most Families Don’t Have Much Income (9/16/19)

Are Fears of a Retirement Crisis Overblown? (9/11/19)

New Labor Department Rule on Multiple Employer Retirement Plans Seeks to Expand Access (9/3/19)

Only a Minority of People Ages 50 to 62 Work Steadily in Jobs with Benefits (8/27/19)

These 4 Factors Explain Why 401(k) Balances are So Far Below their Potential (8/27/19)

This Recent Report Suggests Steady Saving for Retirement is Not Important (8/17/19)

Why Do Politicians Keep Running Up the Debt? (8/10/19)

Annuities Need to Be a 401(k) Default (7/31/19)

The Treasury’s I-bond is a Wonderful Product (7/24/19)

401(k) Balances Increased Very Little in the Last 10 Years (7/15/19)

Why so Many Households Find it Difficult to Cover a $400 Emergency Expense (7/15/19)

How Has the Decline in Assumed Investment Returns Affected Public Pension Costs? (7/2/19)

ESG — or Socially Responsible — Funds May Soothe Your Conscience but Could Weaken Your Portfolio (6/25/19)

Married Women More at Risk in Retirement than Singles (6/17/19)

Making Sense of Bankruptcy and Retirement Plans (6/10/19)

Age Discrimination is Still a Major Obstacle for Older Workers (6/3/19)

Do Pension Benefit Cuts Encourage Public Employees to Leave? (5/29/19)

Why the Decline in Homeownership is Bad for Americans (5/13/19)

Should Annuities Pay Out the Same for Men and Women? (5/6/19)

Social Security Could Provide Cheaper and Better Annuities Than the Private Sector (4/30/19)

Millennials’ Late Marriage Should Have Only a Minor Effect on their 401(k) Saving (4/23/19)

Is the Brexit Mess Linked to the Conservatives’ Long-term Care Proposals? (4/15/19)

Treasury and IRS Move Backward by Giving a Green Light to Offering Retiree Pension Buyouts (4/11/19)

This Change Could Help Solve Social Security’s Long-term Financial Challenge (4/1/19)

Two-income Couples Are Surprisingly Unprepared for Retirement — Here’s One Reason Why (3/26/19)

Should Governments Contribute Parks to Fund their Pension Plans? (3/18/19)

People Need to Use Their Home Equity in Retirement (3/14/19)

Politicians Suggest That Public Pension Plans Divest (3/5/19)

Why Do 37% of Older Workers Retire Earlier than Planned? (2/27/19)

This New Social Security Bill Could Make Social Security Even Better (2/23/19)

Future Retirees: Brace Yourself for Three Major Financial Risks (2/5/19)

Minorities — Particularly Hispanics — Are Increasingly Unprepared for Retirement (1/30/19)

The Money in Your 401(k) and IRA Accounts Doesn’t Belong Entirely to You (1/24/19)

Mayor de Blasio Proposes Auto-IRAs to Help New Yorkers Save for Retirement  (1/14/19)

Should the Government be Allowed to Negotiate Drug Prices? (1/8/19)

‘Yellow vest’ Protests are a Good Excuse to Look at Tax Burdens (1/2/19)

Recent Tax Cuts and Spending Hikes Should Not be Used to put Social Security and Medicare at Risk (12/18/18)

The First State Auto-IRA Program is Up and Running (12/11/18)

Combining Small 401(k) Accounts Helps Preserve Retirement Saving (12/4/18)

How Well do Household Surveys Measure Retirement Income? (11/27/18)

IRS Ruling Allows 401(k) Student Loan Benefits (11/14/18)

Want to Keep People Working Longer? Expand the Earned-income Tax Credit (11/14/18)

What’s Causing the Epidemic in Drug-related Deaths Among Whites? (11/5/18)

People Aren’t Giving Up their Day Jobs for Uber (10/30/18)

Women Live Longer than Men Everywhere — Here’s Why (10/23/18)

An Easier and Cheaper Way for Retirees to Tap Home Equity (10/16/18)

New Census Data Suggest that Retirement Savers Face a Daunting Challenge (10/9/18)

Bad Ideas Die Hard: Why We Shouldn’t Use Social Security to Finance Parental Leave (10/1/18)

These Accounts Should Help People Save for a Rainy Day — and Protect their Retirement Savings (9/25/18)

President Trump Opens the Door to Changing Retirement Distributions (9/19/18)

Multiemployer Pension Plans Can’t Cut their Way to Solvency (9/12/18)

Do Higher Fees Help State and Local Pension Plans Hit their Benchmarks? (9/5/18)

IRS Ruling Allows 401(k) Student Loan Benefits (8/27/18)

Massachusetts Public Pension Benefits are Stingy (8/23/18)

Don’t Confuse Public Pension Cost with Generosity (8/14/18)

It’s Time to Take Another Look at the Taxation of Capital Gains (8/6/18)

State Auto-IRAs are a Necessary Initiative (7/30/18)

The U.S. Needs a Pension Registry to Help People Keep Track of their Savings (7/24/18)