 Retirement Issues and Perspectives
Retirement security is one of the most critical financial issues in America for individuals and the investment professionals and institutions that support them. As part of its commitment to helping Americans along the path to a secure retirement, Prudential publishes papers, reports, articles, and other materials on retirement issues and solutions, which are available on this site.
Prudential has developed the "Four Pillars of U.S. Retirement" as a framework to discuss how Americans will prepare for and live in retirement. We define the Four Pillars as Social Security, Employment-Based Plans, Personal Savings, and Retirement Choices. Read more about the Four Pillars. If you would like to automatically receive retirement-related or other news from Prudential, sign up for our news service. |
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 Retirement Reports & Articles by Prudential>
Redefining Defined Contribution Plans to Enhance Retirement Security
This white paper explores how redefined DC plans that build in risk protection, provide autopilot retirement planning, and streamline plan administration can increase retirement security. >
Impact of the Market Crisis on Retirement Preparedness
This study reveals how Americans are reacting to the impact of the market crisis on their retirement prospects, how they are planning to rebuild their retirement, and the guarantees they are considering to protect their future. > Profiles in The Retirement Red Zone: Job Changers >
Managing Retirement Benefits Amid Capital Market Disruption
This research report, commissioned by Prudential and prepared by CFO Research Services, demonstrates that finance executives are more involved than ever in managing their companies' retirement benefit programs, and are prepared to take concrete steps to strengthen these programs. >
The Importance of the Life Insurance Industry in the U.S.
This flyer describes the important role played by the life insurance industry in the U.S. economy and capital markets, as well as in helping individuals manage key financial and retirement security risks. In that context, it also outlines how Prudential meets the financing, employee benefit, and retirement security needs of the institutions and individuals that it serves. >
What “The Great Recession” Can Teach Us About Target-Date Funds
This article, bylined by David Rowe, Managing Director of Prudential Retirement, in the Western Benefits Pension Conference, discusses how implementing DC plans with guaranteed risk protection features can improve retirement security. >
Conversations About Retirement: What Do I Do Now? - Consumer Webinar Q&A
In early 2009, Prudential sponsored a webinar for individual investors looking for help in getting their retirement planning back on track. This Q&A provides responses to common questions posed by the live webinar participants. >
Riders on the Storm: CFOs and the Credit Crisis
This paper reviews the impact of the financial crisis on credit availability and risk management. >
Target-Date Funds and the Need for Guarantees (Podcast)
Mark Foley, VP of Institutional Income Solutions for Prudential Retirement, talks with Plan Sponsor about his target-date fund testimony at a Department of Labor/Securities and Exchange Commission joint hearing on why guarantees are imperative. >
The Search for a Safe Way to Save for Retirement
This white paper describes the need for a "safe" investment option in DC plans and the factors that sponsors should consider in selecting the best option for their plans and their participants. Stable value products are a compelling solution to help sponsors meet this need, and offer advantages over alternatives such as money market funds and intermediate-term bond funds. >
Private Sector a Breeding Ground for Retirement Security Solutions
An opinion article describing the role insurance products can play in helping Americans achieve financial security in retirement. The article was written by Bernard Winograd, Executive Vice President and Chief Operating Officer of Prudential's U.S. Businesses, and was published online by Pensions & Investments on July 13, 2009. >
Strengthening Target-Date Funds with Guarantees to Enhance Retirement Security
This white paper explores combining target-date funds with guarantees to provide defined contribution plan participants with a more secure retirement. Retirement Income
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The Modern Annuity
This article describes the new generation of annuities, with guaranteed lifetime income benefits, and the role they can play in retirement income planning. >
Guaranteed Lifetime Income Solutions
The Pension Protection Act of 2006 significantly strengthened the savings aspect of retirement planning by supporting the use of certain automatic DC plan features. However, more needs to be done to help individuals generate a guaranteed retirement income from their DC plan accumulations. This article suggests ways that Congress can help. >
Retirement Income: The Value of Guarantees
Compares two product approaches to creating retirement income within a 401(k) plan—guaranteed withdrawal benefit solutions offered by the new generation of annuities, and systematic withdrawal programs from target maturity date mutual funds. Supporting research and analysis by Ernst & Young. >
Retirement Security in the 21st Century:
Guaranteed Lifetime Income A discussion of the growing need for guaranteed retirement income, as well as a promising solution. > How Congress and Regulators Can Help A discussion of the ways in which Congress and Regulators can encourage Americans to create guaranteed retirement income. >
Defined Contribution Plans: 12 Practical Recommendations to Help Encourage Better Outcomes
Outlines best practices that Prudential considers to be essential building blocks for helping participants achieve retirement security. Four Pillars of U.S. Retirement
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The Fourth Pillar: Retirement Choices
An overview of lifestyle and financial choices that are taking on greater significance given the changing nature of retirement in America. >
The Four Pillars of U.S. Retirement
Prudential has developed the Four Pillars as a framework to discuss how Americans will prepare for, and live in, retirement. Retirement Preparedness
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Hispanic Americans On the Road to Retirement
A report on Hispanic Americans' attitudes and behaviors regarding retirement savings and expectations. >
The Future of Retirement in the U.S.
A high-level overview of the changing landscape of retirement in the U.S. >
Behavioral Risk in the Retirement Red Zone
Explores the link between emotions and financial decision-making. >
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Learning the Two-Step: A New Approach to Asset Allocation for the Retiree
The limitations of current retirement planning approaches, fresh insights into income planning, and the role certain products might play. Public Policy
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The Four Pillars and Public Policy
Prudential has also developed positions on legislative issues impacting retirement security in America. Employment-Based Plans
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Turbulent Markets: Challenges and Opportunities for the Institutional Investor
This white paper discusses the key drivers of the current financial crisis and implications for institutional investors such as defined benefit plan sponsors. >
Saving for Retirement at Work: Employee and Business Reactions to an Automatic IRA Concept
Gauges early reactions to an Automatic IRA concept and its features from employers and employees of small businesses that don't have workplace retirement plans. >
Corporate Defined Benefit Plans at a Crossroads
Discusses factors contributing to the increase in plan terminations and benefit freezes, as well as implications for investment management, corporate policy, and defined contribution and defined benefit plan design. Prudential's Participation in the U.S. Retirement Market
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Smart Steps for Today's Retirement Challenges
A guide to help individuals along the path to retirement. >
Our Commitment to the U.S. Retirement Market
Facts-at-a-glance about Prudential's participation in the retirement marketplace. International Perspectives on Retirement
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Common Themes in Global Retirement: New Realities, Shifting Responsibilities
In the U.S., Korea, and Taiwan, pre-retirees share similar challenges and concerns. >
Retirement in South Korea: Expanding Investment Options
South Koreans are committed to saving, but seek to expand their retirement investment options. >
Retirement in Taiwan: Learning to Take Control
Consumers in Taiwan question their investment strategies as they seek to take control of their retirement planning. >
China's Long March to Retirement Reform
China's aging population could usher in an era of slower economic growth and social stress. This report evaluates China's recent progress in dealing with its aging population and offers a comprehensive new reform plan. 0156518-00010-00 |
For information, tips, and expert
advice on retirement issues, listen to Conversations About Retirement Retirement at a Glance
- Hispanic Americans On the Road to Retirement, 2008
- 2008-2009 Study on the Financial Experience & Behaviors Among Women
- Retirement Income: The Value of Guarantees, 2008
- The Fourth Pillar: Retirement Choices, 2008
- Behavioral Risk in The Retirement Red Zone®, 2007
- Roadblocks to Retirement, 2005
- Roadblocks to Retirement, 2005
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