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Personal Retirement Saving Programs and Asset Accumulation : Reconciling the Evidence

Poterba, James M. - 2009

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/10012768107

Impact of Defaults in Retirement Saving Plans : Public Employee Plans

Clark, Robert L. - 2019

This study examines the impact of the adoption automatic enrollment provisions by the state of South Dakota for its supplemental retirement saving plan (SRP). In South Dakota, state and local government employees, including teachers, are also covered by a defined benefit pension plan and by...

Persistent link: https://www.econbiz.de/10012863267

Can Low Retirement Savings Be Rationalized?

Shoven, John B. - 2020

Simple presentations of the life cycle model often suggest a constant level of real consumption in retirement. Similarly, financial planners commonly suggest that people save for retirement in such a way as to enable them to maintain a level retirement standard of living equal to their standard...

Persistent link: https://www.econbiz.de/10012840371

Who Feels the Nudge? Knowledge, Self-Awareness and Retirement Savings Decisions

Anderson, Anders - 2018

Using a financial literacy survey of Swedish pension investors matched to actual retirement savings decisions, we argue … retirement savings more quickly …

Persistent link: https://www.econbiz.de/10012910665

Do Savings Increase in Response to Salient Information About Retirement and Expected Pensions?

Dolls, Mathias - 2016

How can retirement savings be increased? We explore a unique policy change in the context of the German pension system … change the level of pensions, but only manipulated the knowledge about and salience of expected pension payments. Using … on private retirement savings. Our results show that the letters increase private retirement savings. The effects are …

Persistent link: https://www.econbiz.de/10012982037

Precautionary Savings, Retirement Planning and Misperceptions of Financial Literacy

Anderson, Anders - 2015

, precautionary savings and retirement planning are positively correlated, but this is mostly driven by perceived, not actual …

Persistent link: https://www.econbiz.de/10013019487

Financial Literacy and Retirement Planning in Canada

Boisclair, David - 2014

retirement savings …

Persistent link: https://www.econbiz.de/10013050307

Are You Sure You're Saving Enough for Retirement?

Skinner, Jonathan S. - 2007

Many observers believe current aging baby boomers are woefully unprepared for retirement. Others raise the prospect that Americans are saving too much for retirement. This paper attempts to reconcile these contrasting views using a simple life cycle model and a more sophisticated retirement...

Persistent link: https://www.econbiz.de/10012777316

Saving Incentives for Low- and Middle-Income Families : Evidence from a Field Experiment with H&R Block

Duflo, Esther - 2006

together, our results suggest that the combination of a clear and understandable match for saving, easily accessible savings …

Persistent link: https://www.econbiz.de/10012783658

Sources of Ira Saving

Feenberg, Daniel R. - 2004

To address the question of whether IRA5 contribute to capital formation, we use the IRS/University of Michigan taxpayer sample for income tax returns during 1980-84. By matching families across a five-year period, we can estimate the dynamic interactions of IRA purchases and other types of...

Persistent link: https://www.econbiz.de/10012786038