Gender Retirement Gap

Income Insights, October 2016

10 Pages Posted: 3 Jan 2017

Date Written: October 26, 2016


Many people save for retirement through their employer, who in turn applies gender-neutral saving rates, investment choices, and spending strategies in retirement. Intuitively this creates a sense of fairness, but this intuition masks the reality that many women face. Lifetime earnings and spending in retirement are anything but average for women. Consequently, the challenges women face are arguably greater than those confronted by men.

Keywords: Gender, Retirement, Annuities, Lifetime Income, Gender Retirement Gap

JEL Classification: A10, D03, D12, J16, J26, J32

Suggested Citation

Garnick, Diane, Gender Retirement Gap (October 26, 2016). Income Insights, October 2016, Available at SSRN:

Diane Garnick (Contact Author)

TIAA ( email )

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New York, NY 10017-3206
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Chicago Booth ( email )

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