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To Roth or Not? -- That is the Question
Kotlikoff, Laurence J. - 2008
Do regular 401(k) and IRA accounts offer greater tax benefits than Roth 401(k)s and Roth IRAs? This is a tough question. Regular 401(k)s and IRAs save taxes in the short term; Roth accounts save taxes in the long term. Regular 401(k)s and IRAs are vulnerable to future income tax hikes, but may...
Persistent link: https://www.econbiz.de/10012464884
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The Importance of Default Options for Retirement Savings Outcomes : Evidence from the United States
Beshears, John - 2006
This paper summarizes the empirical evidence on how defaults impact retirement savings outcomes. After outlining the … defaults impact retirement savings outcomes at all stages of the savings lifecycle, including savings plan participation …, savings rates, asset allocation, and post-retirement savings distributions. The paper then discusses why defaults have such a …
Persistent link: https://www.econbiz.de/10012466662
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Who Benefits from the Education Saving Incentives? Income, Educational Expectations, and the Value of the 529 and Coverdell
Dynarski, Susan M. - 2004
This paper examines the incentives created by the 529 and Coverdell tax-advantaged savings accounts. I find that the … intensifies the positive correlation between income and the advantages of the tax-advantaged college savings accounts …
Persistent link: https://www.econbiz.de/10012468223
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Valuing Assets in Retirement Saving Accounts
Poterba, James - 2004
Many studies compare household balances in tax-deferred retirement accounts such as 401(k) plans with financial assets held outside these accounts, but these different asset components are not directly comparable. Taxes and in some cases penalties are due when assets are withdrawn from some...
Persistent link: https://www.econbiz.de/10012468298
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Life-Cycle Saving, Limits on Contributions to DC Pension Plans, and Lifetime Tax Benefits
Gokhale, Jagadeesh - 2001
limits bind those older middle-income households who started their pension savings programs late in life, those who plan to …
Persistent link: https://www.econbiz.de/10012470556
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The Effects of Tax-Based Saving Incentives on Government Revenue and National Saving
Feldstein, Martin - 1992
This paper shows that previous analyses of IRA-type plans have miscalculated their effect on tax revenue and therefore on national saving by ignoring their impact on corporate tax payments. Recognizing the important effect of IRA plans on corporate tax revenue changes previous conclusions about...
Persistent link: https://www.econbiz.de/10012474959
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Individual Retirement Accounts : A Review of the Evidence
Skinner, Jonathan - 1991
Recent legislative proposals have included restoring Individual Retirement Accounts (IRAs) to their pre-1987 eligibility rules. Whether IRAs are simply tax windfalls with no effect on saving, or whether IRAs stimulate saving, is a crucial issue in evaluating the effectiveness of such proposals....
Persistent link: https://www.econbiz.de/10012475046
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Sources of IRA Saving
Feenberg, Daniel - 1989
To address the question of whether IRA5 contribute to capital formation, we use the IRS/University of Michigan taxpayer sample for income tax returns during 1980-84. By matching families across a five-year period, we can estimate the dynamic interactions of IRA purchases and other types of...
Persistent link: https://www.econbiz.de/10012476211
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Asset Location in Tax-Deferred and Conventional Savings Accounts
Shoven, John B. - 1999
attention in financial theory and practice. On the other hand, investors have not been given much guidance about which assets … should be located in tax-deferred retirement accounts and which in conventional savings accounts. This paper derives optimal … retirement. Locating assets optimally can significantly improve the risk-adjusted performance of retirement savings …
Persistent link: https://www.econbiz.de/10012471596
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Quantifying and Explaining the Decline in Public-School Teacher Retirement Benefits
Abashidze, Nino; Clark, Robert L.; Craig, Lee A. - National Bureau of Economic Research - 2022
In recent decades, many states have reduced future retirement benefits for newly hired teachers. We estimate that in 2020 the average initial monthly retirement benefit, for teachers retiring with 30 years of service, is 11.2 percent lower than that of teachers retiring in the same plan with the...
Persistent link: https://www.econbiz.de/10013388828