Approximately 56.7 percent of early baby boomers, 58.5 percent of late boomers, and just under 58 percent of gen Xers are projected to not run short of money in retirement, according to an updated analysis of the EBRI's Retirement Readiness Ratings (RRRs).
Those results are somewhat higher than EBRI's 2013 analysis, based on changes in the market value of defined contribution and individual retirement account (IRA) assets, as well as the increase in housing values during that period.
The RRRs increased by1.6 percentage points, from 55.1, for the Early Boomers; by 1.0 percentage points, from 57.5 percent, for Late Boomers; and by 0.5 percentage points, from 57.2 percent, for Gen Xers.
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The EBRI found the results can vary based on several factors, including age, income, and eligibility for a defined contribution plan such as a 401(k).
A household is considered to run short of money in EBRI's model if resources in retirement are not sufficient to meet minimum expenditures, which include a combination of expenses from the Consumer Expenditure Survey, some health insurance and out-of-pocket health-related expenses, and expenses from nursing-home and home-health care (until the point such expenses are covered by entitlement benefits).
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