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Plan Design and Participant Behavior in Defined Contribution Retirement Plans : Past, Present, and Future

Reuter, Jonathan - National Bureau of Economic Research - 2024

savings are smaller than the short-run effects, with some savings financed via debt. I also review efforts to expand access to … employer-based retirement savings and liquid savings, the pros and cons of target date funds as default investment options …

Persistent link: https://www.econbiz.de/10014635616

Automatic Enrollment with a 12% Default Contribution Rate

Beshears, John; Guo, Ruofei; Laibson, David I.; … - National Bureau of Economic Research - 2023

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

Persistent link: https://www.econbiz.de/10014337834

Smaller than We Thought? The Effect of Automatic Savings Policies

Choi, James J. - 2024

Medium- and long-run dynamics undermine the effect of automatic enrollment and default savings-rate auto-escalation on … retirement savings. Our analysis of nine 401(k) plans incorporates the facts that employees frequently leave firms (often before …

Persistent link: https://www.econbiz.de/10015056154

Initial Impacts of the Pandemic on Consumer Behavior : Evidence from Linked Income, Spending, and Savings Data

Bachas, Natalie - 2020

savings. Households across the income distribution all cut spending from March to early April. Since mid April, spending has …

Persistent link: https://www.econbiz.de/10012481470

How Did Depositors Respond to COVID-19?

Levine, Ross - 2020

precautionary savings …

Persistent link: https://www.econbiz.de/10012482184

Browsers Don't Lie? Gender Differences in the Effects of the Indian COVID-19 Lockdown on Digital Activity and Time Use

Miller, Amalia R.; Ramdas, Kamalini; Sungu, Alp - National Bureau of Economic Research - 2023

We measure the impact of the initial Indian national COVID-19 lockdown on digital activity using browser histories of 1,094 individuals, spanning over 31.5 million website visits on computers and mobile devices. Reflecting the predicted increase in the value of online activity, both men and...

Persistent link: https://www.econbiz.de/10014437050