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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
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How will 401(k) pension plans affect retirement income?
Samwick, Andrew; Skinner, Jonathan - In: The American economic review 94 (2004) 1, pp. 329-343
Persistent link: https://www.econbiz.de/10002034961
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The Wealth of Cohorts : Retirement Saving and the Changing Assets of Older Americans
Wise, David A. - 2012
Personal retirement accounts are becoming an increasingly important form of retirement saving. Using data from the Survey of Income and Program Participation, the paper considers the effect of this change on the assets of recent retirees and persons who are approaching retirement. Much of the...
Persistent link: https://www.econbiz.de/10013103043
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Pension Plan Characteristics and Framing Effects in Employee Savings Behavior
Card, David - 2007
In this paper we document the importance of framing effects in the retirement savings decisions of college professors …. Pensions in many post-secondary institutions are funded by a combination of an employer contribution and a mandatory employee … contribution. Employees can also make tax-deferred contributions to a supplemental savings account. A standard lifecycle savings …
Persistent link: https://www.econbiz.de/10012776456
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Rational and Behavioral Perspectives on the Role of Annuities in Retirement Planning
Brown, Jeffrey R. - 2010
This paper discusses the role of annuities in retirement planning. It begins by explaining the basic theory underlying the individual welfare gains available from annuitizing resources in retirement. It then contrasts these findings with the empirical findings that so few consumers behave in a...
Persistent link: https://www.econbiz.de/10012759761
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Life-Cycle Saving, Limits on Contributions to Dc Pension Plans, and Lifetime Tax Benefits
Gokhale, Jagadeesh - 2010
limits bind those older middle-income households who started their pension savings programs late in life, those who plan to …
Persistent link: https://www.econbiz.de/10012763191
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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
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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
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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
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Contributions to Defined Contribution Pension Plans
Choi, James J. - 2015
Defined contribution (DC) pensions are an increasingly important means of financing retirement consumption. Because …
Persistent link: https://www.econbiz.de/10013017488