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Thursday, May 21 • 6:00pm - 6:00pm
209 What Factors Effect Generational and Gender Differences in Subjective Retirement Income Adequacy?

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Comparing Baby Boomers (Boomers) and Generation X (Gen X), our research seeks to identify factors that may affect subjective retirement income adequacy (RIA) of these two generations, the importance of which is based on the fact that each has faced a different retirement planning environment. Potential influential factors include the projected availability and amount of Social Security benefits, type and accessibility of employer-based retirement plans, economic conditions, labor market participation pattern, gender and racial equity, educational attainment, marital status, investment risk tolerance, and debt load. Data are from the 1989, 2001, and 2016 Survey of Consumer Finances. Ordinal logistic regression allows regression of gender and generation on a 5-level subjective measure of retirement income adequacy while controlling for various socioeconomic, demographic, and financial planning behavior characteristics. While there was no significant relationship between 2001 and 1989, being female in 2016 was associated with a 108% greater likelihood of rating subjective RIA at a higher level than men. This shift in effect may be attributable to such factors as the shrinking wage gap, increased educational attainment, and greater workforce participation of women.

Author(s): Dalisha Herring, Deanna Sharpe, Joan Hermsen

avatar for Dalisha Herring, PhD, CFP

Dalisha Herring, PhD, CFP

Dalisha D. Herring, Ph.D., CFP®, earned her doctorate at the University of Missouri in the Department of Personal Financial Planning’s CFP Board-Registered doctoral program. She earned her Master of Business Administration degree from Florida State University and Bachelor of Science... Read More →

Thursday May 21, 2020 6:00pm - 6:00pm CDT
ACCI YouTube

Attendees (6)