Beruflich Dokumente
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Planning
Social Security
Old-Age, Survivors, and Disability
Insurance (OASDI) - Provides income
to:
Covered individuals over age 65-67 (age
62 for reduced benefits)
Surviving children or spouses of covered
individuals
Disability income to covered individuals
and family members
909
947
1,044
1,0271,044
979 1,002
844
$800
Average Monthly Benefit
$600
720
603
$400
$200
$0
1990
Current dollars
1995
2000
2005
2006
Employer-Sponsored Retirement
Plans
Defined Benefit and Defined Contribution Plans in
the U.S.
1990 to 2005
800
700
600
500
Defined-contribution
plans
400
Defined-benefit 300
plans
200
100
0
1990
1995
2000
2005
20%
40%
60%
80%
100%
Employee Contributions:
None
401(k)
403(b)
SEP
SIMPLE IRA
Profit-sharing plan
ESOP
Individual Retirement
Accounts
Traditional IRA
Contributions are tax deductible
Benefits are taxable
Roth IRA
Contributions are not tax deductible
Benefits are tax-free
Education
Employment
Approaching retirement
Retirement
Estate planning
$2,500
$2,000
$1,317
$1,000
$754
$442
$500
$263
$158
$0
20
25
30
35
40
45
Savings
(Investment)
Targets
Investment
Horizon
Risk
Taking
Ability
Education
Spend on
education
High risk
Employment
Save as much
a possible
High risk
Approaching
retirement
Continue
saving
Intermediate term
Balanced risk
Retirement
Withdraw
savings
Short term
Low risk
Estate planning
Bequests of
savings
Short term
Low risk