Download the PDF version of the joint Boston Research Group / Retirement Clearinghouse webcast, delivering groundbreaking new research about America's Mobile Workforce.  


Conducted in April 2015, the survey interviewed 5,000 active defined contribution (DC) plan participants. 

Key findings of the survey:

  • Cashing out is not a natural proclivity.
  • Rolling into the next plan is the hardest process of all options at job termination.
  • Cash-outs are primarily a function of financial wellness rather than wealth, but not income.
  • Cashing out is not necessarily spurred by an emergency.
  • Penalties for cashing out may be weak deterrents.
  • Consequence-based decision-making (framing) affects some cash-out choices.
  • Dampening cash-outs will require a multi-pronged approach.

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