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Diane Publishing Books
Automatic IRAs: Lower-Earnings Households Could Realize Increases in Retirement Income
Charles A. Jeszeck (au)
Participants in defined contribution (DC) plans and individual retirement accounts (IRAs) may receive tax incentives for their contributions and lower-earning households may qualify for the Saveräó»s Credit, an additional tax incentive for their contributions. However, less than half of the workforce participates in an employer-sponsored plan and upper-income workers have been more likely to take advantage of associated tax incentives. Proposals have been put forth to modify the Saveräó»s Credit and create automatic IRAs, under which employers who do not sponsor a plan would generally be required to offer their employees the opportunity to save in an IRA through payroll deduction. This report examined examined (1) the earnings and tax rates of households that do not have DC plans or IRAs; (2) the effects of the Saveräó»s Credit on retirement income; and (3) the effects of automatic IRAs on retirement income, especially for low- and middle-income workers. Tables and figures. This is a print on demand report.
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