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An Examination of Retirement Income Adequacy Measures and Factors Affecting Retirement Preparedness
Social Science Research Network [SSRN] 
Sept. 24, 2008
Excerpt: This article uses a consistent methodology to estimate several retirement income adequacy measures for households that participate in two national surveys. In addition, we examine the impact of a variety of factors on retirement preparedness. We find that Survey of Consumer Finances households have higher income replacement rates, but lower consumption replacement rates, than Health and Retirement Survey households. We also find that replacement rate estimates are sensitive to the treatment of home equity and assumed retirement age.
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