In this paper, the Initiative on Financial Security at the Aspen Institute proposes an investment option for the Automatic IRA: Real Savings+ (RS+). RS+ combines two widely traded and highly liquid assets – Treasury Inflation Protected Securities (TIPS) and a broad-based equity market index – to provide savers with a personalized, automatic target date investment option. Read More »

Among America's founding principles is the ideal that each citizen's ability to succeed - to achieve financial security, to do better than the generation that came before - should be as limitless as individual potential. Read More

Child Accounts provide a vehicle to start smart savings policy from an early age. By providing a government match for low- and moderate-income Americans, Child Accounts can give every child a jumpstart on financial literacy. Coupled with governmental leadership, members of the private financial sector are instrumental in the implementation of this bold new policy. Read More »