How exposed are retirement savings to market risk?

Chen, Anqi, and Nilufer Gok. “How exposed are retirement savings to market risk?”. Issue in Brief 20-10, Chestnut Hill, Mass.: Center for Retirement Research at Boston College, June 2020. http://hdl.handle.net/2345/bc-ir:108897.
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Abstract

The brief's key findings are: (1) When COVID-19 emerged earlier this year, the stock market fell by 35 percent in one month. While the market has largely recovered since, it remains very volatile. (2) Market shocks are a growing concern to the more than half of U.S. households who now own equities, mainly due to the shift from traditional pensions to 401(k) plans. (3) For most households, 401(k)/IRA assets are their largest financial asset - other than Social Security - which puts them at risk from market downturns. (4) The time may have come to consider some type of risk sharing for employer plans so that individuals do not shoulder the full burden.

Title
How exposed are retirement savings to market risk?
Author
Chen, Anqi
Gok, Nilufer
Center
Center for Retirement Research
Genre
report
Date Issued
June 2020
Publisher
Center for Retirement Research at Boston College
Series Title
Issue in Brief
Series Number
20-10
Persistent Link
http://hdl.handle.net/2345/bc-ir:108897
Use Restrictions
These materials are made available for use in research, teaching and private study, pursuant to U.S. Copyright Law. The user must assume full responsibility for any use of the materials, including but not limited to, infringement of copyright and publication rights of reproduced materials. Any materials used for academic research or otherwise should be fully credited with the source. The publisher or original authors may retain copyright to the materials.
Subject
Financing Retirement

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