ThinkTankWeekly

SECURE 3.0: The next generation of reforms to the retirement saving system

Brookings | 2026-10-25 | economy

Topics: United States

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English Summary

The Brookings report argues that despite recent reforms, significant gaps persist in the U.S. retirement system, leaving millions vulnerable to longevity and savings gaps. To address this, the authors propose a multi-pronged approach including expanding access to employer-sponsored plans, making the Saver’s Match more progressive, and reforming safe harbor rules to increase total savings. Crucially, the proposals advocate for embedding automatic lifetime income options into defined contribution plans, effectively 'putting the pension back' without undue fiduciary risk. Policymakers should adopt these evidence-based reforms to create a more universally secure and robust retirement system for American workers.

中文摘要

布魯金斯學會的報告指出,儘管美國退休系統進行了近年來的改革,但仍存在重大缺口,導致數百萬人面臨長壽風險和儲蓄不足的困境。為了解決此問題,作者們提出了一套多管齊下的解決方案,包括擴大員工贊助的退休計畫的可及性、使「儲蓄者匹配」(Saver’s Match)機制更具累進性,以及改革「安全港規則」(safe harbor rules)以提高總體儲蓄額。至關重要的是,這些建議主張將自動終身收入選項嵌入到「定義供款計畫」(defined contribution plans)中,從而有效地「重塑養老金保障」,同時避免不必要的受託人風險。政策制定者應採納這些循證改革,為美國工人建立一個更具普遍安全性和穩健性的退休體系。

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