income. The goal of this paper is to test for the effect of mandatory pensions on discretionary household savings. The data … are drawn from the CentER Savings Survey, which consists of a representative and a highest-income-decile sample of Dutch … households. The survey contains rich information on household wealth, pension rights and savings attitudes. A result of the …

lifecycle labor supply and savings decisions; and that this in turn risks invalidating current reform approaches of a closer …

of workers born in 1950 or later. At the same time, a tax-facilitated savings plan was introduced that substantially … assess the effect of the reform on the savings and retirement expectations and realizations of two virtually identical male … savings to counter the effect of the reform. These workers, who are generally in worse health, have zero substitution rates …

, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates … increased savings in the program accounts and when combined with a parent outreach program, higher expenditures on educational …