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For many years, Congress has recognized that saving for retirement is a worthwhile social goal and should be encouraged by the government. The federal government has encouraged the growth of private pension and savings plans through the use of various tax incentives. This publication will focus mainly on individual retirement accounts (IRAs), but other plans such as simplified employee pensions (SEPs), 401-K plans, and Keogh plans will be discussed, too. This document is FCS5258, one of a series of the Department of Family, Youth and Community Sciences, University of Florida, UF/IFAS, Gainesville 32611. First published: September 2003. https://edis.ifas.ufl.edu/fy642

Front Cover -- Copyright -- Title Page -- Contents -- Introduction -- Chapter 1 - The Active Joys of Retirement -- Chapter 2 - The Financial Joys of Retirement -- Chapter 3 - The Joy of Nature -- Chapter 4 - Enjoying Your Home and Garden -- Chapter 5 - The Joy of Learning -- Chapter 6 - The Art of Retirement -- Chapter 7 - The Joy of Relationships -- Chapter 8 - The Joy of Getting Away from It All -- Chapter 9 - Finding Fulfilment -- Chapter 10 - Extreme Things to Do in Retirement -- Epilogue -- CONGRATULATIONS ON YOUR RETIREMENT -- Summersdale Publishers.

Intro -- WOMEN'S RETIREMENT SECURITY CHALLENGES AND TRENDS -- WOMEN'S RETIREMENT SECURITY CHALLENGES AND TRENDS -- CONTENTS -- PREFACE -- Chapter 1 RETIREMENT SECURITY: WOMEN STILL FACE CHALLENGES -- WHY GAO DID THIS STUDY -- WHAT GAO FOUND -- ABBREVIATIONS -- BACKGROUND -- Demographic and Labor Force Trends Affecting Women"s Retirement Income Security -- Sources of Retirement Income -- National Trends Affecting Retirement Security for Men and Women -- WORKING WOMEN"S ACCESS TO AND PARTICIPATION IN EMPLOYER-SPONSORED PENSION PLANS HAVE IMPROVED RELATIVE TO MEN -- Women Surpassed Men in Their Likelihood of Working for an Employer That Offers a Pension Plan -- Women Working for Employers Offering Plans Made Gains in Plan Eligibility -- The Gender Gap in Plan Participation Narrowed -- WHILE INCOME COMPOSITION CHANGED ONLY SLIGHTLY FOR WOMEN AGE 65 AND OVER, THEY CONTINUE TO HAVE LESS RETIREMENT INCOME THAN MEN -- The Composition of Income for Women and Men Age 65 and over Did Not Fluctuate Greatly Despite Changes in the Economy and Pension System -- Median Household Income for Women Age 65 and over Was 25 Percent Lower Than Men"s -- DIVORCE, WIDOWHOOD, AND UNEMPLOYMENT HAD A DETRIMENTAL EFFECT ON OLDER WOMEN"S INCOME SECURITY -- Became Divorced or Separated after Age 50 -- Became Widowed after Age 50 -- Became Unemployed after Age 50 -- Health Declined after Age 50 -- EXISTING POLICY OPTIONS COULD ADDRESS RETIREMENT SECURITY ISSUES FACING WOMEN -- Proposals to Expand the Use of Existing Tax Incentives to Save for Retirement -- Proposals to Expand Opportunities to Accumulate Social Security Credits -- Proposals to Expand Access to Retirement Savings and Strengthen Spousal Protections -- Proposals to Expand Opportunities for Saving Later in Life and Delay Social Security Benefit Receipt -- Proposals to Ensure Lifetime Income