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Implications of Rising Personal Retirement Saving
Poterba, James M. - 1999
Retirement saving accounts, particularly employer-provided 401(k) plans rapidly in the last decade. More than forty percent of workers are currently eligible for these" plans, and over seventy percent of eligibles participate in these plans. The substantial and" ongoing accumulation of assets in...
Persistent link: https://www.econbiz.de/10012471815
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Targeted Savings and Labor Supply
Kaplow, Louis - 2010
raising the labor income tax rate; under a second, raising the targeted savings rate has no effect on labor supply; and under …
Persistent link: https://www.econbiz.de/10012462995
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The Efficiency of Sponsor and Participant Portfolio Choices in 401(k) Plans
Tang, Ning - 2009
Portfolio performance in 401(k) plans depends on both the investment menu made available by plan sponsors and participants portfolio decisions. We use a unique dataset of nearly 1 million participants in one thousand pension plans to identify key portfolio inefficiencies in 401(k)...
Persistent link: https://www.econbiz.de/10012463333
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The Effect of Subjective Survival Probabilities on Retirement and Wealth in the United States
Bloom, David E. - 2006
We explore the proposition that expected longevity affects retirement decisions and accumulated wealth using micro data drawn from the Health and Retirement Study for the United States. We use data on a person's subjective probability of survival to age 75 as a proxy for their prospective...
Persistent link: https://www.econbiz.de/10012465972
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Baby Boomer Retirement Security : the Roles of Planning, Financial Literacy, and Housing Wealth
Lusardi, Annamaria - 2006
We compare wealth holdings across two cohorts of the Health and Retirement Study: the early Baby Boomers in 2004, and individuals in the same age group in 1992. Levels and patterns of total net worth have changed relatively little over time, though Boomers rely more on housing equity than their...
Persistent link: https://www.econbiz.de/10012466077
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$100 Bills on the Sidewalk : Suboptimal Investment in 401(k) Plans
Choi, James J. - 2005
It is typically difficult to determine whether households invest optimally. But sometimes, investment incentives are strong enough to create sharp normative restrictions. We identify employees at seven companies who are eligible to receive employer matching contributions in their 401(k) and can...
Persistent link: https://www.econbiz.de/10012467124
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Who Benefits from the Education Saving Incentives? Income, Educational Expectations, and the Value of the 529 and Coverdell
Dynarski, Susan M. - 2004
This paper examines the incentives created by the 529 and Coverdell tax-advantaged savings accounts. I find that the … advantages of the 529 and Coverdell rise sharply with income, for three reasons. First, those with the highest marginal tax rates … benefit the most from sheltering income, gaining most in both absolute and relative terms. Second, the tax penalties that are …
Persistent link: https://www.econbiz.de/10012468223
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Retirement Wealth Accumulation and Decumulation : New Developments and Outstanding Opportunities
Mitchell, Olivia S. - 1997
Analysts have raised questions about current workers' ability and inclination to save" enough for retirement. This issue is of obvious policy interest given the current debate over" reforming national retirement income programs. This paper explores the implications of recent" research regarding...
Persistent link: https://www.econbiz.de/10012472636
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Personal Retirement Saving Programs and Asset Accumulation : Reconciling the Evidence
Poterba, James M. - 1996
Over the past several years, we have undertaken a series of analysies of the effect of IRA and 401(k) contributions on net personal saving. Saver hetero- geneity is the key impediment to determining the saving effect of these plans We emphasize that no single method can provide sure control for...
Persistent link: https://www.econbiz.de/10012473249
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The Effects of Special Saving Programs on Saving and Wealth
Poterba, James M. - 1995
Individual saving through targeted retirement saving accountsþIRAs and 401(k)sþgrew rapidly in the United States during the 1980s. The microeconomic evidence presented in this paper suggests that most of the contributions to these programs represent new saving that would not otherwise have...
Persistent link: https://www.econbiz.de/10012473583