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The Impact of Workers' Earnings Profiles on Individual Account Accumulation

This article focuses on the impact of realistic earnings patterns and work histories on individual account accumulation. It does not compare an individual account system with the present system; rather, it compares individual account balance accumulations of workers with different earnings histories. The SSASIM model is used to provide the estimates of account balances. This model allows for changing workers' earnings patterns as well as changing their work histories. The PDF for the above title, published in the October 2000 issue of EBRI Notes, also contains the fulltext of another October 2000 EBRI Notes article abstracted on SSRN: "Asset Allocation: IRAs and 401(k)-Type Plans."