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Individual Financial Decisions in Retirement Saving Plans and The Provision of Resources for Retirement

Poterba, James M. - 1996

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/10012473072

The Wealth of Cohorts : Retirement Saving and the Changing Assets of Older Americans

Venti, Steven F. - 1996

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/10012473236

Personal Retirement Saving Programs and Asset Accumulation : Reconciling the Evidence

Poterba, James M. - 1996

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/10012473249

Lump-Sum Distributions from Retirement Saving Plans : Receipt and Utilization

Poterba, James M. - 1995

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from defined benefit (DB) to defined contribution (DC) pension plans is the degree to which assets in DC plans will be withdrawn before plan participants reach retirement age.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/10012473572

The Wealth of Cohorts : Retirement Saving and the Changing Assets of Older Americans

Wise, David A. - 1993

Persistent link: https://www.econbiz.de/10012474340

Do 401(k) Contributions Crowd Out Other Persoanl Saving?

Poterba, James M. - 1993

During the late 1980s. contributions to 401(k) plans eclipsed contributions to Individual Retirement Accounts as the leading form of tax-deferred individual retirement saving. This paper uses data from the 1984. 1987. and 1991 Surveys of Income and Program Participation to describe patterns of...

Persistent link: https://www.econbiz.de/10012474562

Saver behavior and 401 (k) retirement wealth

Poterba, James M.; Venti, Steven F.; Wise, David A. - In: The American economic review 90 (2000) 2, pp. 297-302

Persistent link: https://www.econbiz.de/10001502684

Implications of Rising Personal Retirement Saving

Poterba, James M. - 1999

Retirement saving accounts, particularly employer-provided 401(k) plans rapidly in the last decade. More than forty percent of workers are currently eligible for these" plans, and over seventy percent of eligibles participate in these plans. The substantial and" ongoing accumulation of assets in...

Persistent link: https://www.econbiz.de/10012471815

The Incentive Effects of Private Pension Plans

Kotlikoff, Laurence J. - 1984

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 … related. This paper examines the incentive effects of private pensions. We find that the provisions of pension plans provide …

Persistent link: https://www.econbiz.de/10012477576

The Transition to Personal Accounts and Increasing Retirement Wealth : Macro and Micro Evidence

Poterba, James M. - 2001

-managed defined benefit pensions to defined contribution retirement saving plans that are largely controlled by employees. In 1980, 92 …

Persistent link: https://www.econbiz.de/10012470106