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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

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from defined benefit (DB) to defined contribution (DC) pension plans is the degree to which assets in DC plans will be withdrawn before plan participants reach retirement age.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

Contributions to Defined Contribution Pension Plans

Choi, James J. - 2015

Defined contribution (DC) pensions are an increasingly important means of financing retirement consumption. Because individuals often have substantial discretion over how much is contributed to their DC pension, studying DC contribution choices provides general insights into the determinants of...

Persistent link: https://www.econbiz.de/10013017488

Defined Contribution Pensions : Plan Rules, Participant Decisions, and the Path of Least Resistance

Choi, James J.; Laibson, David; Madrian, Brigitte C.; … - 2021

We assess the impact on savings behavior of several different 401(k) plan features, including automatic enrollment … education. We also present new survey evidence on individual savings adequacy. Many of our conclusions are based on an analysis … of micro-level administrative data on the 401(k) savings behavior of employees in several large corporations that …

Persistent link: https://www.econbiz.de/10013245508

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

Pension Plan Integration as Insurance Against Social Security Risk

Merton, Robert C. - 2008

The manifest purposes of integrating an employer-provided pension plan with social security are:(1) to ensure retirement income adequacy for all covered employees; and (2) to ensure retirement income equity, defined as equal total replacement rates for all employees regardless of salary level....

Persistent link: https://www.econbiz.de/10012774674

The Stampede Toward Defined Contribution Pension Plans : Fact or Fiction?

Gustman, Alan L. - 2007

This paper questions recent conclusions that the trend towards defined contribution plans and away from defined benefit plans is due to increased pension regulation and/or a changing economic environment. Using data from IRS 5500 filings by pension administrators, we find that at least half of...

Persistent link: https://www.econbiz.de/10012777142

Explaining Pension Dynamics

Luzadis, Rebecca A. - 2007

Some contend the US labor market will fail to adapt smoothly to an aging workforce, whereas others argue that employee pensions can and will play an important role in helping companies induce desired turnover patterns. This paper undertakes a longitudinal examination of pension retirement...

Persistent link: https://www.econbiz.de/10012777143

The Incentive Effects of Private Pension Plans

Kotlikoff, Laurence J. - 2010

The proportion of workers covered by pensions has increased very substantially over the past two or three decades, and in particular the number of older workers with pensions continues to increase. During the same period,and especially in the past decade, the labor force participation of older...

Persistent link: https://www.econbiz.de/10012762972

The In-State Equity Bias of State Pension Plans

Brown, Jeffrey R.; Pollet, Joshua Matthew; Weisbenner, … - 2021

This paper provides evidence on the investment behavior of 27 state pension plans that manage their own equity portfolios. Even though these state plans typically hold broadly diversified portfolios, they substantially over-weight the equity of companies that are headquartered in-state. The...

Persistent link: https://www.econbiz.de/10013224347

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