The overwhelming majority of retirement-age defined contribution (DC) plan participants leave their employer’s retirement plan within five years of separation from service, mostly for an individual retirement account (IRA) rollover account. When plans permit flexible distributions, retirement-age participants are more likely to remain in the employer plan. In this Vanguard research paper, Retirement distribution decisions among DC participants, author Jean Young explores the impact of retirement distribution decisions on target-date fund design and retirement income programs.view more white papers
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