How Do You Measure Retirement Income Adequacy?

A recent report by the Congressional Budget Office outlines a variety of the current methods used for measuring the adequacy of retirement income. So, which one(s) do you use – and why?

The CBO report notes that the adequacy of retirement income generally has been defined in two main ways: whether it satisfies basic needs and whether it allows retirees to maintain their pre-retirement standard of living. Economists and financial advisers generally use the second definition, the report says.

Even then, there are various means used – some more simple to apply than others. This week, we’d like to know, in working with participants, which measure(s) of retirement income adequacy do you generally use as a target – and why?

Reply to this week’s NAPA Net reader poll at

And we’ll have it all wrapped up for you on Friday!

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