401(k) Plans and Spend-down Options: International Experiences and Lessons

Erica L. Chapmann (Editor)

Series: Retirement Issues, Plans and Lifestyles
BISAC: BUS063000



Volume 10

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Special issue: Resilience in breaking the cycle of children’s environmental health disparities
Edited by I Leslie Rubin, Robert J Geller, Abby Mutic, Benjamin A Gitterman, Nathan Mutic, Wayne Garfinkel, Claire D Coles, Kurt Martinuzzi, and Joav Merrick


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American workers are primarily saving for retirement through their 401(k) plans and will likely need assistance making complicated decisions about how to spend their money throughout retirement. Other countries with defined contribution (DC) systems are also dealing with this spend-down challenge.

To identify lessons for the U.S. from the experiences of other countries, GAO examined selected countries’ approaches to offering retirement spend-down options; strategies to help participants make sound decisions; and approaches to regulating and overseeing options. This book discusses these options and strategies in detail, while also providing defined contribution plans and examining income replacement during retirement years in these defined contribution plans. (Imprint: Nova)


Chapter 1 - 401(k) Plans: Other Countries’ Experiences Offer Lessons in Policies and Oversight of Spend-down Options (pp. 1-64)
United States Government Accountability Office

Chapter 2 - Defined Contribution Plans: Approaches in Other Countries Offer Beneficial Strategies in Several Areas (pp. 65-124)
United States Government Accountability Office

Chapter 3 - Examining Income Replacement during Retirement Years in a Defined Contribution Plan System (pp. 125-182)
Advisory Council on Employee Welfare and Pension Benefit Plans


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