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Time preference assumptions in normative analyses of household financial decisions

Hanna, Sherman; Kim, Kyoungtae - In: Applied economics letters 21 (2014) 7/9, pp. 609-612

Persistent link: https://www.econbiz.de/10010414777

Individual Financial Decisions in Retirement Saving Plans and the Provision of Resources for Retirement

Poterba, James M. - 2000

Proposals for mandatory private saving accounts differ in the degree of investment discretion that they provide to individual savers, and in their provisions for annuitization of accumulated assets. With respect to investment choices, some argue that individuals must be prevented from investing...

Persistent link: https://www.econbiz.de/10012789302

The Size and Composition of Wealth Holdings in the United States, Italy, and the Netherlands

Kapteyn, Arie; Panis, Constantijn - 2021

This paper analyzes retirement saving and portfolio choice in the United States, Italy, and the Netherlands. While these countries enjoy roughly the same standard of living, they vary widely in their institutional organization of retirement income provisions. Building on extensions of the life...

Persistent link: https://www.econbiz.de/10013230997

Financial Literacy and Retirement Planning in the United States

Lusardi, Annamaria - 2011

We examine financial literacy in the United States using the new National Financial Capability Study, wherein we demonstrate that financial literacy is particularly low among the young, women, and the less-educated. Moreover, Hispanics and African-Americans score the least well on financial...

Persistent link: https://www.econbiz.de/10013124228

Default, Framing and Spillover Effects : the Case of Lifecycle Funds in 401(K) Plans

Mitchell, Olivia S. - 2009

Important behavioral factors such as default and framing effects are increasingly being employed to optimize decision-making in a variety of settings, including individually-directed retirement plans. Yet such approaches may have unintended "spillover" effects, as we show with regard to the...

Persistent link: https://www.econbiz.de/10013158535

Pension Funding, Share Prices, and National Saving

Feldstein, Martin S. - 2004

and an incentive to save more themselves. For this reason, unfunded private pensions differ fundamentally from the … unfunded Social Security pension and the other unfunded federal government civilian and military pensions …

Persistent link: https://www.econbiz.de/10012786263

Annuity Prices and Saving Behavior in the United States

Friedman, Benjamin M. - 2010

The observed reluctance of most individuals in the United States to buy individual life annuities, and the concomitant approximately flat average age-wealth profile, stand in sharp contradiction to the standard life cycle model of consumption-saving behavior. The analysis in this paper lends...

Persistent link: https://www.econbiz.de/10012762959

Lump-Sum Distributions from Retirement Saving Plans : Receipt and Utilization

Poterba, James M. - 2010

One of the central issues in evaluating the ongoing shift from defined benefit (DB) to defined contribution (DC) pension plans is the degree to which assets in DC plans will be withdrawn before plan participants reach retirement age. The annual flow of withdrawals from such plans, which are...

Persistent link: https://www.econbiz.de/10012763718

The Importance of Default Options for Retirement Savings Outcomes : Evidence from the United States

Beshears, John - 2009

This paper summarizes the empirical evidence on how defaults impact retirement savings outcomes. After outlining the … defaults impact retirement savings outcomes at all stages of the savings lifecycle, including savings plan participation …, savings rates, asset allocation, and post-retirement savings distributions. The paper then discusses why defaults have such a …

Persistent link: https://www.econbiz.de/10012767434

Have Iras Increased U.S. Saving? : Evidence from Consumer Expenditure Surveys

Venti, Steven F.; Wise, David A. - 2021

The vast majority of Individual Retirement Account contributions represent net new saving, based on evidence from the quarterly Consumer Expenditure Surveys (CES). The results are based on analysis of the relationship between IRA contributions and other financial asset saving. The data show...

Persistent link: https://www.econbiz.de/10013218431

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