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Employment. What is employment Full time for 30 years Or does the employer only want employees for 5 to 10 years and then have them move on What about phased retirement issues
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By working through how you feel about each of these questions, you will get a better idea about your ultimate target. This is a critical first step whether you are designing a plan from scratch or looking to amend an existing plan. With changes to all parts of the adequacy question from social security changes to demographics and employment, correct solutions arrived at 10 or 20 years ago may not work for your company today.
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REPLACEMENT INCOME ANALYSIS A replacement ratio is a person s gross income after retirement, divided by his or her gross income before retirement. For example, assume someone earns $60,000 per year before retirement. Furthermore, assume he or she retires and receives $45,000 of Social Security and other retirement income. This person s replacement ratio is 75 percent ($45,000/ $60,000). This study analyzes the replacement ratios employees need to maintain their preretirement standard of living after retirement. Generally, a person needs less gross income after retiring, primarily due to five factors: 1. Income taxes go down after retirement. This is because extra deductions are available for those over age 65, and taxable income usually decreases at retirement. 2. Social Security taxes (FICA deductions from wages) end completely at retirement. 3. Social Security benefits are partially or fully tax free. This reduces taxable income and, therefore, the amount of income needed to pay taxes. 4. Saving for retirement is no longer a goal. 5. Age- and work-related expenses generally decrease at retirement primarily because shelter and transportation expenses decrease. This factor outweighs an expected increase in health care costs. Table 6.1 shows that a 75 percent replacement ratio is enough to allow an employee earning $60,000 to retire at age 65 in 2004 without reducing his or her standard of living. Because taxes, need to save, and age- and
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(continues)
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A MANAGER S GUIDE TO STRATEGIC RETIREMENT PLAN MANAGEMENT
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(continued) Table 6.1 Replacement Ratio Example
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Annual Income Before Retirement (1) Gross income Taxes Savings Age- and work-related expenditures Remaining income $60,000 (11,574) (1,945) (34,194) 12,287 After Retirement (2) $45,299 (334) 0 (32,678) 12,287 Replacement Ratio (2)/(1) 75%
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Source: Aon Consulting, Inc. and Georgia State University, Replacement Ratio Study: A Measurement Tool for Retirement Planning (Illinois: Aon Consulting, Inc, 2004), 2.
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work-related expenses all decrease at retirement, this person is just as well off after retirement with a gross income of $45,299. Appendix E is an overview of replacement ratios. In Appendix F, Appendix I describes the methodology used to determine needed replacement ratios. Appendix II shows the calculation details for our baseline cases, and Appendix III summarizes the expenditure data used for the calculations. The primary data source for this information is the U.S. Department of Labor s Bureau of Labor Statistics Consumer Expenditure Survey (CES). This is essentially the same database used to construct the consumer price index. The CES is done annually, and we used data from the most recent years available 1999, 2000, and 2001. CES data provided information on 9,738 working consumer units and 5,642 retired consumer units. In total, this represents approximately 80 percent more consumer units than have been available in prior years. Expenditures that are not age or work related are assumed to be the same before and after retirement. Table 6.2 shows the 2004 study baseline case results. The baseline case assumes a family situation in which there is one wage earner who retires at age 65 with a spouse age 62. Thus, the family unit is eligible for family Social Security benefits, which are 1.362 times the wage earner s benefit. The baseline case also takes into account age- and work-related expenditure changes after retirement, in addition to preretirement savings patterns and changes in taxes after retirement.
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