ABSTRACT Download PDF We explore how the composition of retirement wealth is related to retirement spending and find that retirees who hold a higher percentage in annuitized income spend more than retirees with an equal amount of non-annuitized wealth. This result is consistent with traditional economic theory that predicts risk-averse retireeswho do not know how
America is a generous country. People with diverse backgrounds can unite for a good cause, whether to benefit their local communities or the broader world. As we enter the holiday season, now is a great time to think about your giving strategy and your contributions to the charitable organizations and causes you care most about.
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