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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.

Securing Our Financial Future (PDF)

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.

Improving Americans’ Retirement Outcomes Through the National Savings Plan

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.

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A Comprehensive Plan to Confront the Retirement Savings Crisis (PDF)

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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Susan Reinhard is senior vice president and director of AARP Public Policy Institute. Read her latest blogs on family caregiving, healthy living, nursing and more. Read Susan's Blogs