Retirement Security in an Aging Population
研究发现老年人收入来源差异大，低收入者依赖社会保障，高收入者依赖私人养老金和资产；从固定收益到固定缴款养老金的转变将退休保障责任转移给个人，许多人需增加储蓄以维持退休生活水平。
Elderly individuals exhibit wide disparities in their sources of income. For those in the bottom half of the income distribution, Social Security is the most important source of support; program changes would directly affect their well-being. Income from private pensions, assets, and earnings are relatively more important for higher-income elderly individuals, who have more diverse income sources. The trend from private sector defined benefit to defined contribution pension plans has shifted responsibility for retirement security to individuals. A significant subset of the population is unlikely to be able to sustain their standard of living in retirement without higher pre-retirement saving.