Racial Equity Resource Guide


Race and Retirement Insecurity in the United States

National Institute on Retirement Security

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A new report calculates the severity of the U.S. retirement security racial divide. The analysis finds that every racial group faces significant risks, but people of color face particularly severe challenges in preparing for retirement. Americans of color are significantly less likely than whites to have an employer-sponsored retirement plan or an individual retirement account (IRA), which substantially drives down the level of retirement savings.

Race and Retirement Insecurity in the United States examines retirement readiness racial disparities among working households age 25-64. It analyzes three key areas - workplace retirement coverage, retirement account ownership, and retirement account balances.

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