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Who is at the Top? Wealth Mobility over the Life Cycle
Hochguertel, Stefan; Ohlsson, Henry - Tinbergen Instituut - 2012
Who is wealthy? This paper presents empirical estimates of household movements into and out of the top percents of the wealth distribution over individual life cycles. There are life-cycle motives and precautionary motives for wealth accumulation. The opportunities to accumulate wealth create...
Persistent link: https://www.econbiz.de/10011255999
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Mapping the Minds of Retirement Planners
Hershey, Douglas A.; Henkens, Kène; Dalen, Hendrik P. van - Tinbergen Institute - 2006
This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...
Persistent link: https://www.econbiz.de/10005144426
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Entrepreneurial Moral Hazard in Income Insurance
Ejrnaes, Mette; Hochguertel, Stefan - Tinbergen Institute - 2008
We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a...
Persistent link: https://www.econbiz.de/10005144470
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Who is at the Top? Wealth Mobility over the Life Cycle
Hochguertel, Stefan; Ohlsson, Henry - Tinbergen Institute - 2012
Who is wealthy? This paper presents empirical estimates of household movements into and out of the top percents of the wealth distribution over individual life cycles. There are life-cycle motives and precautionary motives for wealth accumulation. The opportunities to accumulate wealth create...
Persistent link: https://www.econbiz.de/10009415515
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US and European Household Debt and Credit Constraints
Crook, Jonathan; Hochguertel, Stefan - Tinbergen Institute - 2007
consumption models, including a numerically solved precautionary savings model. We find that inter-country differences are …
Persistent link: https://www.econbiz.de/10005137368
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Mapping the Minds of Retirement Planners
Hershey, Douglas A.; Henkens, Kène; Dalen, Hendrik P. van - Tinbergen Instituut - 2006
This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...
Persistent link: https://www.econbiz.de/10011256396
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Savings Adequacy Uncertainty: Driver or Obstacle to Increased Pension Contributions?
Schie, Ron J.G. van; Donkers, Bas; Dellaert, Benedict G.C. - Tinbergen Instituut - 2012
data from a representative Dutch household panel to study the impact of uncertainty regarding one's savings adequacy on … retirement savings contributions and information search processes. We combine ideas from the literature in psychology and … economics that provide opposing predictions regarding the impact of uncertainty on retirement savings contributions. Our results …
Persistent link: https://www.econbiz.de/10011257076
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US and European Household Debt and Credit Constraints
Crook, Jonathan; Hochguertel, Stefan - Tinbergen Instituut - 2007
consumption models, including a numerically solved precautionary savings model. We find that inter-country differences are …
Persistent link: https://www.econbiz.de/10011257319
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The Impact of Financial Education for Youth in Ghana
Berry, James; Karlan, Dean; Pradhan, Menno - Tinbergen Instituut - 2015
offered financial education. Both programs included a voluntary after-school savings club that provided students with a locked … money box. After nine months, both programs had significant impacts on savings behavior relative to the control group …, mostly because children moved savings from home to school. We observed few other impacts. We do find that financial education …
Persistent link: https://www.econbiz.de/10011256124
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Making Work pay for the Indebted. The Effect of Debt Services on the Exit Rates of Unemployed Individuals
Koning, Pierre - Tinbergen Instituut - 2014
This paper investigates the effectiveness of an intervention that was targeted at a specific group of Dutch Social Assistance (SA) recipients with debt problems. With a large share of the income gains of work resumption were transferred to the creditors, these individuals experienced a strong a...
Persistent link: https://www.econbiz.de/10011255448