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Who Uses the Roth 401(k), and How Do They Use It?
Laibson, David; Madrian, Brigitte C.; Beshears, John; … - National Bureau of Economic Research (NBER) - 2013
Using administrative data from twelve companies that added a Roth 401(k) option between 2006 and 2010, we describe the characteristics of Roth contributions. Approximately one year after the Roth is introduced, 9% of 401(k) participants have positive Roth balances. Roth participation is more...
Persistent link: https://www.econbiz.de/10010969318
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Are Americans and Indians More Altruistic than the Japanese and Chinese? Evidence from a New International Survey of Bequest Plans
Horioka, Charles Yuji - National Bureau of Economic Research (NBER) - 2014
This paper discusses three alternative assumptions concerning household preferences (altruism, self-interest, and a desire for dynasty building) and shows that these assumptions have very different implications for bequest motives and bequest division. After reviewing some of the literature on...
Persistent link: https://www.econbiz.de/10010951187
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Matching Contributions and Savings Outcomes: A Behavioral Economics Perspective
Madrian, Brigitte C. - National Bureau of Economic Research (NBER) - 2012
Including a matching contribution increases savings plan participation and contributions, although the impact is less … on savings plan contributions. In contrast, the match threshold has a substantial impact, probably because it serves as a … natural reference point when individuals are deciding how much to save and may be viewed as advice from the savings program …
Persistent link: https://www.econbiz.de/10010951346
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Riester Pensions in Germany: Design, Dynamics, Targetting Success and Crowding-In
Börsch-Supan, Axel H.; Coppola, Michela; Reil-Held, Anette - National Bureau of Economic Research (NBER) - 2012
than occupational pensions and unsubsidized private pension plans. Riester pension savings totaled €9.4bn in 2010 with an …
Persistent link: https://www.econbiz.de/10011227937
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Utility from Accumulation
Kaplow, Louis - National Bureau of Economic Research (NBER) - 2009
simple intertemporal model featuring utility from accumulation is used here to examine consumption and savings, the choice … long run, give more than others do, this source of utility may be especially important in analyzing savings behavior, gifts …
Persistent link: https://www.econbiz.de/10008628332
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The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment
Laibson, David; Madrian, Brigitte C.; Beshears, John; … - National Bureau of Economic Research (NBER) - 2007
Existing research has documented the large impact that automatic enrollment has on savings plan participation. All the …
Persistent link: https://www.econbiz.de/10005580368
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Consumer Spending and the Economic Stimulus Payments of 2008
Parker, Jonathan A.; Souleles, Nicholas S; Johnson, David S. - National Bureau of Economic Research (NBER) - 2011
We measure the response of household spending to the economic stimulus payments (ESPs) disbursed in mid-2008, using special questions added to the Consumer Expenditure Survey and variation arising from the randomized timing of when the payments were disbursed. We find that, on average,...
Persistent link: https://www.econbiz.de/10008788769
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Optimal Annuitization with Stochastic Mortality Probabilities
Reichling, Felix; Smetters, Kent - National Bureau of Economic Research (NBER) - 2013
household's mortality risk itself to be stochastic. Annuities still help to hedge longevity risk, but they are now subject to …
Persistent link: https://www.econbiz.de/10010950845
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Extending Life Cycle Models of Optimal Portfolio Choice: Integrating Flexible Work, Endogenous Retirement, and Investment Decisions with Lifetime Payouts
Mitchell, Olivia; Chai, Jingjing; Horneff, Wolfram; … - National Bureau of Economic Research (NBER) - 2009
mortality and uncertain labor income, we extend the investment universe to include not only stocks and bonds, but also survival …
Persistent link: https://www.econbiz.de/10004980314
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How Product Standardization Affects Choice: Evidence from the Massachusetts Health Insurance Exchange
Ericson, Keith M Marzilli; Starc, Amanda - National Bureau of Economic Research (NBER) - 2013
Standardization of complex products is touted as improving consumer decisions and intensifying price competition, but evidence on standardization is limited. We examine a natural experiment: the standardization of health insurance plans on the Massachusetts Health Insurance Exchange....
Persistent link: https://www.econbiz.de/10010821858