Some of the many recent assessments of how much American workers should save and when they should save it underestimate the sufficiency of retirement savings for many households, according to a decidedly contrarian report from Towers Watson.

In “American Workers’ Retirement Income Security Prospects: A Critique of Recent Assessments,” authors Gaobo Pang and Sylvester J. Schieber argue that some these assessments rely on models that don’t adequately reflect changes over a worker’s life cycles.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.