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Finance and Economics Discussion Series: Data for FEDS 2013-22

Early Withdrawals from Retirement Accounts During the Great Recession

Robert Argento, Victoria L. Bryant, and John Sabelhaus

Figure 1: Evidence of Retirement Accounts or Pension Coverage Ages less than 55

  2004 2005 2006 2007 2008 2009 2010
SCF Ratio Evidence of Coverage/Total Returns: Less than 35 0.405678913780844     0.430648580921953     0.409324345426763
SCF Ratio Evidence of Coverage/Total Returns: 35-44 0.653237666191991     0.604107921558001     0.563692611018994
SCF Ratio Evidence of Coverage/Total Returns: 45-54 0.692144395940682     0.702036868544884     0.649138547302009
SCF Ratio Evidence of Coverage/Total Returns: All <55 0.57639772652294     0.569557389033601     0.533602999762677
SCF Ratio Evidence of Coverage/Total Returns: 55+ 0.683561453631064     0.696946527084716     0.68935349729146
SCF Ratio Evidence of Coverage/Total Returns: All 0.614483246878704     0.616130610660777     0.592831634340101
SOI Ratio Evidence of Coverage/Total Returns: Less than 35 0.460812001120575 0.450734408122459 0.449330799803528 0.449200451555647 0.456256828262752 0.444327959497484 0.425125039611088
SOI Ratio Evidence of Coverage/Total Returns: 35-44 0.655330643700867 0.65591500794159 0.650968218435045 0.643047297289023 0.647895845898661 0.637689135294977 0.61887024853749
SOI Ratio Evidence of Coverage/Total Returns: 45-54 0.739677288342273 0.738575115162593 0.731534560594265 0.724389996936209 0.723676891087442 0.717488315764285 0.699141170064445
SOI Ratio Evidence of Coverage/Total Returns: All <55 0.597973038777968 0.593023352279385 0.588365192993116 0.583010453510478 0.58657567858238 0.576731037530966 0.55599388226264
SOI Ratio Evidence of Coverage/Total Returns: 55+ 0.8510089582756 0.852637694334984 0.844407126594928 0.849939643296548 0.847276511025006 0.846627451928065 0.817382878029416
SOI Ratio Evidence of Coverage/Total Returns: All 0.669896621474971 0.667896507388866 0.664772385676649 0.66280636974246 0.666867239554578 0.662261125496302 0.63774855822667
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