Senator cites the Retirement Income Deficit

In May, Senators Herb Kohl (D-WI) and Mike Enzi (R-WY) introduced S. 1020, the Savings Enhancement by Alleviating Leakage in 401(k) Savings Act of 2011, or SEAL Act.  As we’ve described before, “leakage” occurs when people cash in their 401(k)s or take out loans against their 401(k)s so that they can use the money for non-retirement purposes. It’s a chronic problem with 401(k)s – and one that has gotten worse

We support efforts like S. 1020, which seek to preserve retirement assets for retirement. However, what really caught my eye about this legislation is the fact that, in the press release announcing the bill’s introduction, Senator Kohl cites Retirement USA’s Retirement Income Deficit as a motivating factor for the bill.

“As the frequency of retirement fund loans have gone up, the amount of money people are saving for their retirement has gone down,” Kohl said. “The gap between what Americans will need in retirement and what they will actually have saved is estimated to be a staggering $6.6 trillion dollars. While having access to a loan in an emergency is an important feature for many participants, a 401(k) savings account should not be used as a piggy bank.”

The figure was also picked up by Marketplace in its story on the legislation. 

We hope that more efforts – both incremental and comprehensive – to address the Retirement income Deficit are to come. 

This blog was written by the Pension Rights Center's Nancy Hwa and is cross-posted on the Pension Rights Center's Perspectives blog.

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tong sampah

thanks for sharing it. i really like it. always suckses. tempat sampah tong sampah harga tempat sampah plastik tong sampah fiber tempat sampah fiber harga tong sampah fiber harga tempat sampah besar bak sampah tempat sampah stainless tempat sampah mobil tempat sampah besar harga bak sampah harga tempat sampah fiber tempat sampah plastik jual tempat sampah fiberglass bak sampah fiber tempat sampah murah tong sampah plastik jual tempat sampah besar harga tempat sampah plastik besar harga bak sampah plastik tong sampah murah harga tempat sampah stainless steel harga tong sampah besar jual tempat sampah plastik harga tempat sampah injak kotak sampah tong sampah fiber murah jual tempat sampah murah harga keranjang sampah harga tempat sampah murah jual tong sampah plastik tong sampah besar harga bak sampah fiber harga tempat sampah stainless tempat sampah stainless steel daftar harga tempat sampah plastik model tempat sampah model tong sampah gerobak sampah harga kotak sampah jual tong sampah besar harga keranjang sampah plastik tempat sampah plastik murah tong sampah stainless harga tong sampah organik dan non organik jual tong sampah drum harga tong sampah plastik besar jual tempat sampah mobil harga tong sampah plastik murah tempat sampah outdoor jual tempat sampah stainless steel tempat sampah injak tempat sampah lion star tempat sampah organik dan non organik harga tempat sampah mobil tempat sampah roda keranjang sampah tempat sampah plastik besar bak sampah plastik tong sampah stainless steel harga tong sampah stainless harga tempat sampah lion star harga gerobak sampah harga tong sampah drum plastik harga tempat sampah roda tong sampah beroda tempat sampah beroda jual tong sampah fiber harga tempat sampah organik dan anorganik harga tempat tidur tingkat tempat sampah gantung harga tong sampah beroda tempat sampah organik dan anorganik tempat sampah 120 liter bak sampah besar harga tempat sampah beroda tempat sampah organik harga tempat sampah organik dan non organik jual tempat sampah stainless harga tempat sampah injak lion star tong sampah pilah keranjang sampah plastik tong sampah hdpe jual tempat sampah organik dan non organik harga tempat sampah medis tempat sampah dorong tempat sampah sulo harga tong tong sampah roda harga tempat sampah besar beroda mobil bak sampah harga bak sampah besar tong sampah mobil harga kontainer sampah tempat sampah untuk mobil drum sampah tempat sampah di mobil tempat tong sampah harga tempat sampah biasa harga drum sampah jual tong tong sampah organik tempat sampah rumah tempat sampah pilah tempat sampah karakter tempat sampah karakter grosir harga tempat sampah plastik lion star tempat sampah injak lion star tempat sampah pedal tempat sampah krisbow tong sampah drum tempat sampah tertutup tong sampah organik dan anorganik jual gerobak sampah harga gerobak sampah dorong limbah plastik tempat sampah 240 liter sampah plastik tempat sampah drum tempat sampah aluminium tempat sapu harga sampah jual bak plastik kotak harga sampah plastik tong sampah organik dan non organik tempat sampah b3 tempat sampah rumah tangga box sampah harga tempat sampah krisbow tong sampah karakter daur ulang sampah tempat sampah unik pengelolaan sampah tong sampah gantung tempat sampah perumahan tempat aqua gelas jual sampah plastik harga bak fiber bulat bisnis sampah harga tempat tidur hello kitty tempat sampah medis foto tempat sampah gambar tempat sampah model bak sampah foto tong sampah sulo tempat sampah tempat sampah rokok deskripsi tempat sampah harga tempat beras cosmos pencemaran sungai sewa tong sampah sampah organik sampah tong sampah kaleng gambar sampah limbah organik pengertian sampah bantar gebang sampah anorganik harga kolam fiber bulat tong sampah daur ulang tong sampah dari drum tempat sampah mini tulisan tempat sampah hari lingkungan hidup tempat penyimpanan beras pembekal tong sampah tempat sampah kamar standar tempat sampah jual fiberglass gambar tong sampah tong sampah krisbow tempat sampah plastik lion star harga incinerator sampah tempat sampah kreatif tempat sampah daur ulang harga bak fiber rumah sampah stiker tempat sampah harga bak plastik kotak jual bak fiber bulat bekas harga tong sampah krisbow jual bak plastik membuat kompos buang sampah pengelolaan lingkungan hidup jenis sampah pengolahan sampah plastik harga ember plastik 50 liter jual kolam fiber bulat bahan organik tong sampah kreatif inovasi tempat sampah jenis tempat sampah tempat sampah portable harga tong plastik besar tempat sampah otomatis harga tempat tidur ocean pencemaran laut troli sampah harga tempat sampah plastik kecil tempat sampah minimalis jual tempat sampah krisbow tong sampah lukis tempat sampah organik non organik tong sampah unik harga tong sampah drum besi tempat spa di palembang manfaat sampah alas tempat tidur masalah sampah harga drum plastik 100 liter cara pengolahan sampah tempat sampah infeksius tempat penetasan telur tempat sampah mobil hello kitty pembakaran sampah marjinal band jenis tong sampah sampah non organik harga tempat sampah stainless krisbow harga bahan fiber sampah jakarta dinas kebersihan pengolahan sampah organik harga tempat sampah kecil bahasa inggris tempat sampah tempat spa di pekanbaru dampak sampah penanganan sampah tempat sampah depan rumah tempat tidur berlaci tempat tidur 2 tingkat tempat kursus rias pengantin jual tempat sampah unik kerajinan tempat sampah artikel sampah harga tempat sampah besar krisbow suara serigala tempat sampah lucu tempat pembuangan sampah tong sampah hijau tempat spa di cikarang tong sampah pintar sketsa tempat sampah tempat sampah 3 warna tong sampah otomatis harga tempat tidur procella tong sampah besi label tempat sampah bentuk tempat tidur macam macam tempat sampah kerajinan tong sampah tempat sampah ohara pelarut organik harga tempat jenis jenis tempat sampah jual bahan fiberglass murah tempat spa plus lukisan tempat sampah tempat sampah maspion sewa tong sampah besar harga sulo harga tong sampah hitam tempat sampah kecil harga tempat piring huruf miring harga tong sampah besi contoh tempat sampah tong sampah hias bahan organik tanah pemanfaatan sampah harga limbah kardus tempat sampah elektronik harga limbah alumunium penanggulangan sampah tempat sampah terpilah tempat sampah stainless krisbow tong sampah hitam tempat sampah kayu tempat gym di sidoarjo sampah rumah tangga harga truk sampah warna tempat sampah cara membuat tempat sampah dari tutup botol tanaman industri tong sampah bandung cara membuat tempat sampah permasalahan sampah cara membuat tong sampah pencemaran sampah sampah di indonesia harga sekop sampah tong sampah 120 liter tong sampah recycle krisbow tempat sampah tempat sampah bandung tempat pembuatan topi bahasa inggris sampah harga tong sampah hijau tong sampah malaysia logo tempat sampah gambar bak sampah tempat refleksi di makassar mengelola sampah tempat sampah unik dan lucu menggambar tempat sampah tempat sampah hello kitty kreasi tempat sampah tempat sampah shinpo tempat sampah taman ukuran tempat sampah tempat menjual tokek tong sampah automatik tong sampah ikea tong sampah dari drum bekas tempat pembakaran sampah pemulung sampah tempat sampah inggris tempat sampah bahasa inggris membuat tempat sampah pengertian tempat sampah tempat sampah dari kayu saiz tong sampah desain tempat sampah fungsi tempat sampah fiberglass jakarta warna tong sampah tempat sampah besi pengertian garbage tempat sampah stenlis produk pertanian organik warna tempat sampah berdasarkan jenis sampah pembuatan tempat sampah tempat sampah pintar bahasa inggris tong sampah bentuk gambar poster tong sampah manfaat tempat sampah contoh tong sampah akibat sampah tempat sampah toilet tpa sampah tong sampah 3r tong sampah kayu tempat sampah sekolah gambar bakul sampah gambar kotak sampah kegunaan tong sampah sampah padat tempat sampah dapur desain tong sampah kegunaan tempat sampah tempat spa plus plus puisi cina lukisan tong sampah cara membuat tempat sampah dari kayu tempat les renang ukuran tong sampah tempat sampah sederhana contoh bak sampah harga limbah membuat tong sampah tempat sampah kartun warna tong sampah menurut jenis sampah tong sampah cantik kreasi tong sampah gambar keranjang sampah logo tong sampah tong sampah kartun gambar tempat sampah plastik harga motor sampah sampah indonesia cara membuat bak sampah harga limbah besi model tempat sampah unik warna tempat sampah medis fungsi tong sampah sampah bandung sampah bahasa inggris tempat sampah mobil unik inovasi tong sampah kotak sampah unik cara menghias tempat sampah animasi tempat sampah hiasan tong sampah contoh gambar tong sampah cara membuat tong sampah dari tutup botol warna tempat sampah dan fungsinya sampah rumah sakit sampah di bandung animasi tong sampah pengangkutan sampah tong sampah 3 warna tempat sampah dalam bahasa inggris pengolah sampah tong sampah dalam bahasa inggris tempat sampah in english contoh gambar tempat sampah lukis tong sampah kuesioner pengelolaan sampah rumah tangga tempat sampah animasi tempat buang sampah cara menggambar tempat sampah tong sampah lucu tong sampah 5 warna tempat pijat plus poster tempat sampah artikel kimia organik pangan organik desain tempat sampah depan rumah tong sampah hello kitty awal manusia gambar tempat sampah organik dan anorganik bahasa inggris nya tempat sampah bintang gambar membuat tempat sampah dari tutup botol sampah kota gambar tempat sampah organik arti warna tempat sampah mengatasi sampah tong sampah bahasa inggris sampah surabaya warna tempat sampah organik sampah plastik indonesia tong sampah biru mewarnai tempat sampah bhs inggris tempat sampah tong sampah rpw melukis tempat sampah tong sampah animasi tempat sampah dari botol pengertian tong sampah gambar buang sampah di tempat sampah apa bahasa inggrisnya tempat sampah sketsa tong sampah sampah lingkungan pengomposan sampah diy tempat sampah volume sampah cara menggambar tong sampah warna tempat sampah di rumah sakit cara membuat bak sampah dari tutup botol simbol tong sampah gambar membuang sampah di tempat sampah simbol tempat sampah kartun tong sampah binatang di tempat sampah pengelolaan sampah kota indonesia sampah

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