We study a retirement savings plan with a default contribution rate of 12% of income, which is much higher than …

Medium- and long-run dynamics undermine the effect of automatic enrollment and default savings-rate auto-escalation on … retirement savings. Our analysis of nine 401(k) plans incorporates the facts that employees frequently leave firms (often before …

dynamic life cycle model. In a low return regime, workers build up less wealth in their tax-qualified 401(k) accounts versus …

rates and expense ratios, and we estimate this could lead to aggregate savings for these participants over a 20-year period …

Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions … are not tax-deductible in the contribution year, but withdrawals in retirement are untaxed. The more common before-tax 401 …(k) contribution is tax-deductible in the contribution year, but both principal and investment earnings are taxed upon …

pension savings totaled €9.4bn in 2010 with an associated cost of €3.5bn. One average one Euro of subsidies is thus associated …

contribution. Employees can also make tax-deferred contributions to a supplemental savings account. A standard lifecycle savings …In this paper we document the importance of framing effects in the retirement savings decisions of college professors … model predicts a "dollar-for-dollar" tradeoff between supplemental savings and the combined regular pension contributions …