Earnings, Savings, And Investments

These sites are listed to show the range of information available regarding savings and investment behavior. WISER does not endorse any of these sites, and recommends that you investigate the sources before obtaining any services.

"Shortchanged in Retirement: Continuing Challenges to Women's Financial Future"
The study finds that across all age groups, women have substantially less income in retirement than men.
Source: National Institute on Retirement Security
March 2016  

"Breadwinner Moms: Mothers Are the Sole or Primary Provider in Four-in-Ten Households with Children," explores the growing trend and the differences between breadwinning moms who are single and those who are married.
May 2013
Source: Public Conflicted about the Growing Trend; Pew Research Center

"The Simple Truth about the Gender Pay Gap," explains the pay gap in the United States, how it affects women of all ages, races, and education levels, and what you can do to close it.
April 2013
Source: American Association of University Women

"The 2013 Retirement Confidence Survey: Perceived Savings Needs Outpace Reality for Many," looks at Americans’ confidence in their ability to afford a comfortable retirement.
March 2013
Source: Employee Benefit Research Institute

"Is Household Debt Growing for Older Americans?," looks at the increasing number of Americans entering old age with outstanding debt and how this affects their retirement.
January 2013
Source: Urban Institute

"Older Americans and Credit Card Debt," examines how the recession, its aftermath, and implementation of new consumer credit card protections have affected the relationship between Americans and credit card debt, with a focus on differences by age bracket.
January 2013
Source: AARP

"The Allianz Women, Money, and Power Study: Empowered and Underserved," examines how new and changing social dynamics are impacting the "typical family," and how these changes are placing women in new roles where they must be responsible for long-term financial needs and security.
2013
Source: Allianz

"New Ways to Promote Retirement Saving," proposes retirement saving reforms designed to help boost saving among low- and middle-income households.
October 2012
Source: Brookings Institute

"Graduating to a Pay Gap: The earnings of Women and Men One Year after College Graduation."
October 2012
Source: American Association of University Women

"What Every Woman Should Know About Retirement Savings And How To Make it Last."
July 2012
Source: United States Department of Labor

"Financial Experience & Behaviors Among Women: 2010-2011 Prudential Research Study," looks at the current landscape of women’s financial security and preparedness, and identifies the progress women have made as well as some of the challenges they continue to face in achieving their financial goals.
2012
Source: Pridential

"Marriage, Employments and Inequality of Women's Lifetime Earned Income," summarize changes in marital histories for different birth cohorts of women and project the associated changes in women’s own lifetime earnings and in spousal earnings.
September 2011
Source: The National Bureau of Economic Research

"Women in America: Indicators of Social and Economic Well-Being."
March 2011
Source: White House Council on Women and Girls

"Selection and Specialization in the Evolution of Couple's Earnings," looks at marriage patterns and the affect that marriage has on earnings.
September 2010
Source: The National Bureau of Economic Research

"Disparities For Women and Minorities in Retirement Saving."
September 2010
Source: The Brookings Institute

"How Well Are Employees Saving and Investing in 401(k) Plans," evaluates employee savings trends.
2010
Source: Hewitt Associates

"Retirement Income Adequacy at Large Companies: The Real Deal," explores the relationship between employers and employees in retirement savings and predicts which groups will be most successfully in establishing a secure retirement.
2010
Source: Hewitt Associates

"Shattering the Retirement Glass Ceiling: Women Need a Three-Legged Stool," looks at the specific challenges facing women in retirement, and assess thespolicies that may help to achieve retirement security for women.
May 2009
Source: National Institute on Retirement Security

"Saving among Low-Income Women: Motivation and Obstacles."
September 2008
Source: University of Michigan Retirement Research Center

"Planning and Financial Literacy: How Do Women Fare?," discusses different levels of financial literacy and financial security in women and makes recommendations for further research.
2008
Source: Lusardi, Annamaria and Mitchell, Olivia S., American Economic Review

"Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience," investigates how presentation of information regarding retirement plans can greatly affect consumer choices and success in retirement planning.
May 2004
Source: Agnew, Julie and Szykman, Lisa R., Center for Retirement Research at Boston College

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