Here are some of the latest reports, surveys, and studies related to retirement, including research into yield enhancement investment products, Medicare and transportation trends.

SSRN: Engineering Lemons: Yield Enhancement and Hidden Prices. Author Petra Vokata, of the Aalto University School of Business, writes: "Banks engineer and sell to U.S. households complex securities with attractive yields but negative returns. I document this in a sample of over 20,000 yield enhancement products (YEP), which became a $20 billion market after the post-crisis fall in interest rates. YEPs carry a significant downside risk and, according to regulators, are frequently missold to inexperienced investors. The products lose money both ex ante and ex post due to their largely hidden fees: on average, YEPs charge 7% in annual fees and subsequently lose 7% relative to risk-adjusted benchmarks. The fees remain large even after the SEC mandated disclosure of product values."

More of the latest in retirement research:

SSRN: When it Pays to Pay Capital Gains

SSRN: Behavioral Impediments to Valuing Annuities: Complexity and Choice Bracketing

SSRN: Rational Inattention and Retirement Puzzles https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3363188

SSRN: Understanding Job Transitions and Retirement Expectations Using Stated Preferences for Job Characteristics

SSRN: Next-Gen Financial Advice: Digital Innovation and Canada's Policymakers

SSRN: Managing to Target: Dynamic Adjustments for Accumulation Strategies

SSRN: Will Fewer Children Boost Demand for Formal Caregiving?

U.S. House Committee on Energy and Commerce, Subcommittee on Health: Prescription Drug Coverage in the Medicare Program

U.S. Government Accountability Office: Retirement Savings: Additional Data and Analysis Could Provide Insight into Early Withdrawals

Urban Institute: Why Did Medicare Advantage Enrollment Grow As Payment Pressure Increased? Examining the Role of Market and Demographic Changes

Public Library of Science: Instruments for the detection of frailty syndrome in older adults: A systematic review

HelpAge International: More at risk: How older people are excluded in humanitarian data

Employee Benefit Research Institute: 2019 Retirement Confidence Survey Summary Report

UK House of Lords Select Committee on Intergenerational Fairness: Tackling intergenerational unfairness

National Aging and Disability Transportation Center: 2018 Transportation Trends Report

Center for Retirement Research at Boston College: Do People Save More After They Marry?

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