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Primary Article

Optimizing Retirement Savings

John J. Spitzer and Sandeep Singh
The Journal of Wealth Management Winter 2000, 3 (3) 39-44; DOI: https://doi.org/10.3905/jwm.2000.320336
John J. Spitzer
Professor of economics at SUNY in Brockport, New York
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Sandeep Singh
An associate professor of finance at SUNY in Brockport, New York
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Abstract

In this article, the authors compare five retirement saving choices, namely, the employer match plan (like the SIMPLE or 401-k), the traditional IRA, the Roth IRA, a tax-deferred annuity, and a simple savings plan with no tax benefits. They show that employer match plans are usually but not always the most beneficial alternative for maximizing post-retirement income. They argue that, for certain combinations of pre- and post-retirement tax rates, the Roth IRA can be shown to be superior to all other choices, including the employer match plans. While circumstances under which the Roth is shown to be superior to an employer match plan are uncommon, the fact that this can occur at all is contrary to conventional wisdom.

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The Journal of Wealth Management
Vol. 3, Issue 3
Winter 2000
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Optimizing Retirement Savings
John J. Spitzer, Sandeep Singh
The Journal of Wealth Management Oct 2000, 3 (3) 39-44; DOI: 10.3905/jwm.2000.320336

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Optimizing Retirement Savings
John J. Spitzer, Sandeep Singh
The Journal of Wealth Management Oct 2000, 3 (3) 39-44; DOI: 10.3905/jwm.2000.320336
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