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How do Behavioral Approaches to Increase Savings Compare? Evidence from Multiple Interventions in the U.S. Army

Patterson, Richard W.; Skimmyhorn, William L. - National Bureau of Economic Research - 2022

increase retirement savings. However, gauging the relative efficacy of these approaches is challenging because the supporting … rates, active choice, and automatic enrollment) designed to increase retirement savings. Consistent with previous literature …, we find sizable effects of savings interventions on participation and cumulative contributions that increase with the …

Persistent link: https://www.econbiz.de/10013462745

Climate Polarization and Green Investment

Anderson, Anders; Robinson, David T. - National Bureau of Economic Research - 2024

We build a nationally representative sample of retirement savers in Sweden to study how asymmetric updating of beliefs about climate change affects investment decisions. After the intense heat wave of 2018, respondents in regions dominated by a right-wing, anti-climate party grow less concerned...

Persistent link: https://www.econbiz.de/10014486223

Efficiency in Household Decision Making : Evidence from the Retirement Savings of U.S. Couples

Choukhmane, Taha; Goodman, Lucas; O'Dea, Cormac - National Bureau of Economic Research - 2023

Pareto Efficiency is a core assumption of most models of household decision-making. We test this assumption using a new dataset covering the retirement saving contributions of over a million U.S. individuals. While a vast literature has failed to reject household efficiency in developed...

Persistent link: https://www.econbiz.de/10014250212

Longevity, Health and Housing Risks Management in Retirement

Michaud, Pierre-Carl; St.-Amour, Pascal - National Bureau of Economic Research - 2023

Annuities, long-term care insurance and reverse mortgages remain unpopular to manage longevity, medical and housing price risks after retirement. We analyze low demand using a life-cycle model structurally estimated with a unique stated-preference survey experiment of Canadian households. Low...

Persistent link: https://www.econbiz.de/10014247959

Employer 401(k) Matches for Student Debt Repayment : Killing Two Birds with One Stone?

Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - National Bureau of Economic Research - 2024

Almost 50 million Americans are burdened by the need to repay almost $2 trillion in student loan debt, while at the same time having to save for retirement. This article analyzes the potential impact of the 2022 SECURE 2.0 Act reform which permits employers to match contributions for student...

Persistent link: https://www.econbiz.de/10014544722

Aspiring to a Better Future : Can a Simple Psychological Intervention Reduce Poverty?

Orkin, Kate; Garlick, Robert; Mahmud, Mahreen; … - National Bureau of Economic Research - 2023

How do aspirations influence investment decisions for people living in poverty? Does this change as peoples economic conditions improve? To answer these questions, we design a workshop teaching techniques to raise aspirations and plan to achieve them. We cross-randomise this with large...

Persistent link: https://www.econbiz.de/10014372492

Dirty Air and Green Investments : The Impact of Pollution Information on Portfolio Allocations

Fisman, Raymond; Ghosh, Pulak; Sarkar, Arkodipta; … - National Bureau of Economic Research - 2023

We study exposure to pollution information and investment portfolio allocations, exploiting the rollout of air quality monitoring stations in India. Using a triple-differences framework, we show that retail investors' investments in "brown" stocks are negatively related to local air pollution...

Persistent link: https://www.econbiz.de/10014421239

A Cognitive Foundation for Perceiving Uncertainty

Bohren, J. Aislinn; Hascher, Josh; Imas, Alex; … - National Bureau of Economic Research - 2024

We propose a framework where perceptions of uncertainty are driven by the interaction between cognitive constraints and the way that people learn about it--whether information is presented sequentially or simultaneously. People can learn about uncertainty by observing the distribution of...

Persistent link: https://www.econbiz.de/10014486240

Personality Differences and Investment Decision-Making

Jiang, Zhengyang; Peng, Cameron; Yan, Hongjun - National Bureau of Economic Research - 2023

We survey thousands of affluent American investors to examine the relationship between personalities and investment decisions. The Big Five personality traits correlate with investors' beliefs about the stock market and economy, risk preferences, and social interaction tendencies. Two...

Persistent link: https://www.econbiz.de/10014247962

Identifying Preference for Early Resolution from Asset Prices

Ai, Hengjie; Bansal, Ravi; Guo, Hongye; Yaron, Amir - National Bureau of Economic Research - 2023

This paper develops an asset market based test for preference for the timing of resolution of uncertainty. Our main theorem provides a characterization of preference for early resolution of uncertainty in terms of the risk premium of assets realized during the period when the informativeness of...

Persistent link: https://www.econbiz.de/10014248005

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