Many households have insufficient savings to handle moderate and routine consumption shocks. Many of these financially …-Linked Savings (PLS) accounts, that combine principal-security with lottery-type jackpots, can increase savings among these at …-risk households. Results from an online experiment show that the introduction of PLS accounts increase total savings and reduce …

profile of savings has an unusual U-shaped pattern, with saving rates being the highest among the youngest and oldest …

suggested by the theory of incomplete markets, we differentiate between the effects of persistent and transitory income shocks …. In line with this theory, we find that persistent shocks have a significant impact on happiness while transitory shocks …

This paper examines the relative savings position of migrant households in West Germany, paying particular attention to …), our findings reveal significant differences in the savings rates between foreign-born and Germanborn individuals. These … the determinants of immigrants’ savings rates reveal that intended return migration does not only affect remittances, but …

This paper analyses the savings behaviour of natives and immigrants in Germany. It is argued that uncertainty about … savings. Using the German Socio-economic Panel data it is shown that, although immigrants have lower levels of savings and are … less likely to have regular savings than natives, the gap is significantly narrowed once we take loan repayments and …

changes in household savings are negatively related to exogenous income shocks, with this relationship strongest for low … wealth households. Only models of consumption which include precautionary savings motives can explain why poorer households … both reduce their consumption and increase their savings in response to an exogenous decline in income. …

is the correct specification for the analysis of migrants' savings and remittances rather than the conventional Tobit …