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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
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The welfare economics of default options in 401(k) plans
Bernheim, Douglas; Fradkin, Andrey; Popov, Igor - In: The American economic review 105 (2015) 9, pp. 2798-2837
Persistent link: https://www.econbiz.de/10011379307
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The impact of guarantees on the performance of pension saving schemes : insights from the literature
Bohnert, Alexander - In: Risks : open access journal 3 (2015) 4, pp. 515-542
Guarantees are often seen as the key characteristics of pension saving products, but securing them can become costly and is of central relevance especially in the course of the current low interest rate environment. In this article, we deal with the question of how costly the typical types of...
Persistent link: https://www.econbiz.de/10011402676
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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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Pension Funding and Saving
Bernheim, B. Douglas - 1985
elasticity for such an important source of loanable funds in the economy suggests that the pensions funding mechanism should be …
Persistent link: https://www.econbiz.de/10012477459
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Pension Funding, Share Prices, and National Saving
Feldstein, Martin - 1980
and an incentive to save more themselves. For this reason, unfunded private pensions differ fundamentally from the … unfunded Social Security pension and the other unfunded federal government civilian and military pensions …
Persistent link: https://www.econbiz.de/10012478627
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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/10012480178
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Life-cycle Investing and Leverage : Buying Stock on Margin Can Reduce Retirement Risk
Ayres, Ian - 2008
This paper is no longer available on-line from the NBER. A revised version of the paper has been published as "Diversification Across Time" in the Journal of Portfolio Management 39 (Winter 2013), pp.73-86
Persistent link: https://www.econbiz.de/10012464551
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Rational and Behavioral Perspectives on the Role of Annuities in Retirement Planning
Brown, Jeffrey R. - 2007
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/10012465109
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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/10012465376