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How Seniors Change Their Asset Holdings During Retirement
Urban Institute 
Jan. 19, 2010
Excerpt: The age pattern of asset accumulation and decumulation varies considerably by income. High-income seniors increase assets at older ages. Middle-income seniors reduce assets in retirement, but at a rate that will not deplete assets within their expected life. Low-income seniors spend their financial assets at a rate that will mostly deplete them, leaving only Social Security and defined-benefit pensions at older ages.
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