Common Sense Retirement Policy

Neither the public nor the private sector are ready for the 78 million baby boomers retiring over the next 20 years. The unfunded liability of Social Security and Medicare exceeds $107 trillion — 6.5 times the size of the United States economy. Social Security and Medicare are on an unsustainable course and reform is urgently needed.

NCPA proposals would replace pay-as-you-go entitlement programs with funded programs, under which each generation pays its own way. Individuals should have the opportunity and information needed to build their personal retirement savings.

Retirement Reform

  • Preparing for Retirement in an Uncertain World
  • Retirement Account Reforms: Good and Bad
  • Tax and Social Security Reform: Thinking Outside the Box
  • A Framework for Medicare Reform
  • Chile's New Pension Reforms


Our Ideas in Action

  • Automatic 401(k) Enrollment
  • Elimination of Social Security Penalties


Our Ideas in Progress

  • Replace Pay-as-You-Go Entitlement Programs with Funded Programs
  • Allow People to Save Today for Health Care Expenses Tomorrow

Personal Retirement Savings

  • Ten Ways to Wreck Your Retirement
  • Is the Mattress a Good Place for Money?
  • Roth 2010: Should You Convert?
  • 401(k) Loans = Retirement Insecurity
  • ESPlanner™


Entitlement Spending

  • Medicare Trustees Reports 2010 and 2009: What a Difference a Year Makes
  • How Reforms Would Affect Social Security
  • Measuring Social Security's True Liability


Our Experts

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