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Investing Specialists

Laboring Longer: What You Need to Know

Working longer can deliver powerful financial benefits; the key is to be realistic about it.

Labor-force participation rates aren't expected to change a whole lot for most age groups in the years ahead; employment for the youngest segment, people ages 16 to 24, is even expected to decline a bit by the year 2024. Ditto for the age 45 to 54 band.

But the labor-participation rate for one age cohort is growing much faster than the others--people over age 65. The growth rate in employment for people between the ages of the ages of 65 and 74 is projected to be 4.5% between 2014 and 2024. And the 65-plus segment is growing even more rapidly; the growth rate in employment for that demographic is expected to soar 6.4% over that 10-year period.

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