Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions …

normative preferences without equating revealed and normative preferences. We illustrate these issues with evidence from savings …

Existing research has documented the large impact that automatic enrollment has on savings plan participation. All the …

-cost intervention that substantially simplifies the retirement savings plan participation decision. Individuals received an opportunity … to enroll in a retirement savings plan at a pre-selected contribution rate and asset allocation, allowing them to … increase contribution rates among employees who are already participating in a savings plan …

fraction that enroll by 28 percentage points relative to a standard opt-in enrollment procedure, producing a savings … strong propensity to procrastinate and savings preferences that are highly heterogeneous. Naive beliefs about future time …

We assess the impact of 401(k) plan design on four different 401(k) savings outcomes: participation in the 401(k) plan … have an important effect on all of these savings outcomes. This suggests an important role for both employers in …

We study a retirement savings plan with a default contribution rate of 12% of income, which is much higher than …