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Pathways to retirement through self-employment
Journal of Pension Economics & Finance ( IF 1.0 ) Pub Date : 2020-04-24 , DOI: 10.1017/s1474747220000062
Shanthi Ramnath , John B. Shoven , Sita Nataraj Slavov

We examine the role of self-employment in retirement transitions using a panel of administrative tax data. We find that the hazard of self-employment increases at popular retirement ages associated with Social Security eligibility, particularly for those with greater retirement wealth. Late-career transitions to self-employment are associated with a larger drop in income than similar mid-career transitions. Data from the Health and Retirement Study suggest that hours worked also fall upon switching to self-employment. These results suggest that self-employment at older ages may serve as a ‘bridge job,’ allowing workers to gradually reduce hours and earnings along the pathway to retirement.



中文翻译:

通过自营职业退休的途径

我们使用一组行政税收数据来考察自雇在退休过渡中的作用。我们发现,在与社会保障资格相关的受欢迎退休年龄,尤其是对于那些拥有更大退休财富的人来说,自雇的风险会增加。与类似的职业中期过渡相比,职业后期过渡到自营职业带来的收入下降更大。来自健康和退休研究的数据表明,工作时间也归功于自雇。这些结果表明,较高年龄的个体经营可以作为“过渡工作”,使工人能够逐步减少工作时间和收入,直至退休。

更新日期:2020-04-24
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