401(k) participation rates, savings behavior, and asset accumulation. We find that although employees can opt out of the … 401(k) plan, few choose to do so. As a result, automatic enrollment has a dramatic impact on retirement savings behavior …: 401(k) participation rates at all three firms exceed 85%, but participants tend to anchor at a low default savings rate …

liquidity may be related positively to the longer-term probability of default. Our empirical analysis confirms these predictions …, suggesting that precautionary savings are central to understanding the effects of cash on credit risk …

-market liquidity …

Does limited access to formal savings services impede business growth in poor countries? To shed light on this question … expenditures. We see no impact for bicycle-taxi drivers. These results imply significant barriers to savings and investment for …

life expectancy related to observable factors such as income, gender, and health have large effects on savings, and that …

rate. So a rise will be driven by higher household savings of the coming years as the two primary forces that depressed … savings in recent years are reversed: the exceptionally rapid rise in household wealth and the high level of mortgage …