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Strategies for Promoting Lifetime Income in Retirement Savings Accounts
The Brookings Institution 
[Opinion] May 24, 2010
7 pages. Excerpt: First, we will discuss ways to use behavioral economics to increase the proportion of workers who choose to take a portion of their retirement savings in the form of guaranteed lifetime income products. Second, we will propose the creation of a federal guarantee on such products so that the worker is protected even if the company that sold the income product goes out of business.
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