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Riester Pensions in Germany: Design, Dynamics, Targetting Success and Crowding-In
Börsch-Supan, Axel H.; Coppola, Michela; Reil-Held, Anette - National Bureau of Economic Research (NBER) - 2012
than occupational pensions and unsubsidized private pension plans. Riester pension savings totaled €9.4bn in 2010 with an …
Persistent link: https://www.econbiz.de/10011227937
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Utility from Accumulation
Kaplow, Louis - National Bureau of Economic Research (NBER) - 2009
simple intertemporal model featuring utility from accumulation is used here to examine consumption and savings, the choice … long run, give more than others do, this source of utility may be especially important in analyzing savings behavior, gifts …
Persistent link: https://www.econbiz.de/10008628332
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Consumer Spending and the Economic Stimulus Payments of 2008
Parker, Jonathan A.; Souleles, Nicholas S; Johnson, David S. - National Bureau of Economic Research (NBER) - 2011
We measure the response of household spending to the economic stimulus payments (ESPs) disbursed in mid-2008, using special questions added to the Consumer Expenditure Survey and variation arising from the randomized timing of when the payments were disbursed. We find that, on average,...
Persistent link: https://www.econbiz.de/10008788769
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Who Uses the Roth 401(k), and How Do They Use It?
Laibson, David; Madrian, Brigitte C.; Beshears, John; … - National Bureau of Economic Research (NBER) - 2013
Using administrative data from twelve companies that added a Roth 401(k) option between 2006 and 2010, we describe the characteristics of Roth contributions. Approximately one year after the Roth is introduced, 9% of 401(k) participants have positive Roth balances. Roth participation is more...
Persistent link: https://www.econbiz.de/10010969318
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Are Americans and Indians More Altruistic than the Japanese and Chinese? Evidence from a New International Survey of Bequest Plans
Horioka, Charles Yuji - National Bureau of Economic Research (NBER) - 2014
This paper discusses three alternative assumptions concerning household preferences (altruism, self-interest, and a desire for dynasty building) and shows that these assumptions have very different implications for bequest motives and bequest division. After reviewing some of the literature on...
Persistent link: https://www.econbiz.de/10010951187
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Matching Contributions and Savings Outcomes: A Behavioral Economics Perspective
Madrian, Brigitte C. - National Bureau of Economic Research (NBER) - 2012
Including a matching contribution increases savings plan participation and contributions, although the impact is less … on savings plan contributions. In contrast, the match threshold has a substantial impact, probably because it serves as a … natural reference point when individuals are deciding how much to save and may be viewed as advice from the savings program …
Persistent link: https://www.econbiz.de/10010951346
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The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment
Laibson, David; Madrian, Brigitte C.; Beshears, John; … - National Bureau of Economic Research (NBER) - 2007
Existing research has documented the large impact that automatic enrollment has on savings plan participation. All the …
Persistent link: https://www.econbiz.de/10005580368
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Optimal Annuitization with Stochastic Mortality Probabilities
Reichling, Felix; Smetters, Kent - National Bureau of Economic Research (NBER) - 2013
household's mortality risk itself to be stochastic. Annuities still help to hedge longevity risk, but they are now subject to …
Persistent link: https://www.econbiz.de/10010950845
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How Product Standardization Affects Choice: Evidence from the Massachusetts Health Insurance Exchange
Ericson, Keith M Marzilli; Starc, Amanda - National Bureau of Economic Research (NBER) - 2013
Standardization of complex products is touted as improving consumer decisions and intensifying price competition, but evidence on standardization is limited. We examine a natural experiment: the standardization of health insurance plans on the Massachusetts Health Insurance Exchange....
Persistent link: https://www.econbiz.de/10010821858
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Positive Externalities of Social Insurance: Unemployment Insurance and Consumer Credit
Hsu, Joanne W.; Matsa, David A.; Melzer, Brian T. - National Bureau of Economic Research (NBER) - 2014
This paper studies the impact of unemployment insurance (UI) on consumer credit markets. Exploiting heterogeneity in UI generosity across U.S. states and over time, we find that UI helps the unemployed avoid defaulting on their mortgage debt. We estimate that UI expansions during the Great...
Persistent link: https://www.econbiz.de/10010821887