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As states pursue policies to expand access to workplace retirement plans, experts recommend several approaches for the federal government to reform the current retirement system.
Bipartisan Policy Center Commission on Retirement Security and Personal Savings — 2016
Policy proposals from a bipartisan 19-member commission designed to strengthen Americans’ retirement security, including expanding access to workplace retirement plans, improving financial capability, and reforming Social Security.
David Madland, Alex Rowell, Rowland Davis — January 2016
This report proposes a National Savings Plan similar to the Thrift Savings Plan available to federal employees.
Teresa Ghilarducci and Hamilton “Tony” James — 2015
This report outlines a new type of retirement savings plan that redirects regressive government retirement savings support towards a more progressive subsidy.
American Retirement Savings Could Be Much Better (PDF)
Rowland Davis and David Madland — August 2013
A comprehensive reform from the Center for American Progress.
Facing Up to the Retirement Savings Deficit: From 401(k)s to Universal and Automatic Accounts (PDF)
Michael Calabrese — October 2011
A 2011 comprehensive reform from the New America Foundation.
New Ways to Promote Retirement Saving
William G. Gale, David C. John, and Spencer Smith — November 2012
A Retirement Security Project/AARP Public Policy Institute paper on smaller reforms that could improve retirement saving.
Time to Address the Retirement Savings Crisis
David C. John — October 2012
The Heritage Foundation in 2012 on ways to improve retirement saving.
A Safe and Secure Retirement for All Americans: Pension Reform in the United States (PDF)
Teresa Ghilarducci and Monique Morrissey
This brief presents four principles for pension plan reform.
Guaranteed Retirement Accounts: Toward Retirement Income Security
Teresa Ghilarducci — March 2008
A 2008 comprehensive plan by the New School academic.
Guaranteed Retirement Accounts: Toward retirement income security
Teresa Ghilarducci — 2007
This report combines tax credits with Social Security, defined-benefit pensions, and a prototypical Guaranteed Retirement Account as a revamp for the current public retirement system.
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