Here are some of the latest reports, surveys, and studies related to retirement, including research on lower expected returns on investments, financial fraud and homeownership as savings.

Many economists posit that global capital markets will pay much lower expected returns on investments in the future compared to the past, according to Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell, the authors of How Will Persistent Low Expected Returns Shape Household Behavior?

Their paper examines how lower real returns will influence work, retirement, saving, and investment behavior of older Americans. Using a calibrated realistic dynamic life cycle model that builds on our past work, they authors say, they show that, in a low-expected-return regime, workers build up less wealth in their tax-qualified 401(k) accounts compared to the past. Moreover, men and women optimally claim social Security benefits later and work more, when expected real returns are low. Naturally, there is heterogeneity in responses due to the tax and transfer system, which causes the better-educated to be relatively more sensitive to real interest rate changes. By contrast, the least-educated alter their behavior less. Interestingly, this result implies that wealth inequality is lower in periods of persistent low expected returns.

Read the full report from the University of Pennsylvania, Wharton School, Pension Research Council: How Will Persistent Low Expected Returns Shape Household Behavior?

More research papers and studies related to retirement:

U.S. House Committee on Ways and Means: Hearing on Modernizing Stark Law to Ensure the Successful Transition from Volume to Value in the Medicare Program

National Bureau of Economic Research: Financial Fraud among Older Americans: Evidence and Implications and Does When You Die Depend on Where You Live? Evidence from Hurricane Katrina

Collaborative Center for Health Equity: Dementia in Indian Country

U.S. Centers for Disease Control: Subjective Cognitive Decline Among Adults Aged => 45 Years -- United States, 2015-2016

U.S. House Committee on Ways and Means: Hearing on Combating Fraud in Medicare: A Strategy for Success

Care Quality Commission: Beyond barriers: How older people move between health and care in England

Center for Retirement Research at Boston College: What Explains Differences in Public Pension Returns Since 2001?

Kaiser Family Foundation: Medigap Enrollment and Consumer Protections Vary Across States

SSRN: Intergenerational Altruism and Transfers of Time and Money: A Life-Cycle Perspective

SSRN: Finding the Next Major Donor: The Relationship between Financial Planning Horizon and Charitable Giving

SSRN: An Examination of Medicare's Current Design and an Alternative

SSRN: Improving the System of Financing Long-Term Services and Supports for Older Americans

SSRN: Saving Social Security Disability Insurance: Reforms within the Context of Holistic Social Security Reform

SSRN: Investment-Based Transition Costs Associated with Closing a Public Defined Benefit Pension Plan

SSRN: Homeownership as Savings

Got questions about the new tax law, Social Security, retirement, investments, or money in general? Want to be considered for a Money Makeover? Email Robert.Powell@TheStreet.com.

Here are some of the latest reports, surveys, and studies related to retirement, including research on lower expected returns on investments, financial fraud and homeownership as savings.

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