In our average retirement age in the United States piece we briefly discussed retiring for health reasons... then didn't dive deeper. Through the lens of 2017 Survey of … [Read more...]
Average Retirement Age in the United States
The average retirement age in the United States among currently living retirees was 59.88 years old. The median living retiree left work at 62 years old, and the most … [Read more...]
Do Americans Feel On-Track for Retirement?
The Survey of Household Economics and Decisionmaking (SHED) from the Federal Reserve is a survey which asks – among other things – how prepared American adults are for … [Read more...]
Age and Retirement Savings to Income Multiple: What Should You Have Saved?
One way to evaluate retirement savings is to look at a retirement savings to income multiple. Taking a household's total retirement savings and dividing by typical … [Read more...]
Checking in on Risk Premiums: Mid-May 2018
A risk premium is the excess return an investor captures or anticipates between a risky asset and a comparable safer asset. A risk premium can either be a forward … [Read more...]
Using Yield Curve Inversion as a Recession Indicator
In our last post, we looked at extending our measure of the United States yield curve back in time. To recap, a yield curve inversion occurs when short-term debt yields … [Read more...]
Long Run Yield Curve Inversions, Illustrated (1871-2018)
On this page we examine the history of the relationship between long term and short term government debt yields in the United States. We're especially interested in when … [Read more...]
Mortgages vs. the Expected Inflation Rate, April ’18
Inflation expectations through Treasury breakevens – a concept we just visited – are a decent take on the market's opinion on the 'cost of holding money'. Mortgages are, … [Read more...]
Inflation Expectations as of 4/12/2018
For a time, we were closely watching inflation expectations – or a close approximation known as treasury breakevens, anyway. By subtracting the yield on inflation … [Read more...]
American Retirement Savings by Age: Averages, Medians and Percentiles
In 2016 in the United States, there were large differences in retirement savings by age. Taking strict retirement savings, households headed by 30-34 year olds averaged … [Read more...]
Average American Retirement Savings, Medians and Percentiles
In 2016, American households headed by someone aged 32-61 averaged $120,809.40 in retirement savings, or $264,453.30 using an expansive calculation. Using the same … [Read more...]
How Many Accredited Investors Are There by Age?
We present here estimates for the number of accredited investors by age in the United States for full-year 2016. In our accredited investors in America post, we estimated … [Read more...]