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Retirement savings investment choices: Sophisticated or naive?
Gerrans, Paul; Yap, Ghialy - In: Pacific-Basin Finance Journal 30 (2014) C, pp. 233-250
We assess investment sophistication in a large sample of auto-enrolled, retirement plan member choices. A strong …
Persistent link: https://www.econbiz.de/10011116411
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Money Talks: Emphasizing Wealth in Household Finances
Simonova, Elena; Lefebvre, Rock - Certified General Accountants Association of Canada - CGA - 2013
Recognizing the importance of household wealth in the overall financial wellbeing of Canadians and the relative scarcity of the public policy dialogue that is centered unequivocally on wealth, this paper aims to critically examine households’ wealth position, their attitudes to the...
Persistent link: https://www.econbiz.de/10010662685
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La partecipazione alla previdenza a capitalizzazione in Italia: le determinanti e gli effetti economici
Marè, Mauro; Motroni, Antonello; Porcelli, Francesco
Nonostante le modifiche alle prestazioni previdenziali pubbliche e la crescente consapevolezza che in futuro sarà necessario integrare le pensioni statali con risorse aggiuntive accumulate durante la carriera lavorativa, l’attitudine dei lavoratori italiani nei confronti della previdenza...
Persistent link: https://www.econbiz.de/10011185444
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How important is variability in consumer credit limits?
Fulford, Scott L. - Federal Reserve Bank of Boston - 2010
Credit limit variability is a crucial aspect of the consumption, savings, and debt decisions of households in the United States. Using a large panel, this paper first demonstrates that individuals gain and lose access to credit frequently and often have their credit limits reduced unexpectedly....
Persistent link: https://www.econbiz.de/10010938785
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Stockholding: From participation to location and to participation spillovers
Christelis, Dimitris; Georgarakos, Dimitris; Haliassos, … - Center for Financial Studies - 2009
through retirement accounts only. Household characteristics influence stockholding through retirement accounts conditional on … owning retirement accounts, unlike what happens with stockholding through mutual funds. Although stockholding is more common … among retirement account owners, this fact is mainly due to their characteristics that led them to buy retirement accounts …
Persistent link: https://www.econbiz.de/10010958551
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Search for Financial Returns and Social Security Privatization
McKay, Alisdair - In: Review of Economic Dynamics 16 (2013) 2, pp. 253-270
I develop a general equilibrium model in which the quality of household financial decisions is endogenously determined by the incentives to exert effort in learning about financial opportunities. The model generates predictions for asset market participation and returns across households....
Persistent link: https://www.econbiz.de/10010604555
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Consumer Finance
Tufano, Peter - In: Annual Review of Financial Economics 1 (2009) 1, pp. 227-247
Although consumer finance is a substantial element of the economy, it has had a smaller footprint within financial economics. In this review, I suggest a functional definition of the subfield of consumer finance, focusing on four key functions: payments, risk management, moving funds from today...
Persistent link: https://www.econbiz.de/10008777007
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Economic Rationality, Risk Presentation, and Retirement Portfolio Choice
Bateman, Hazel; Ebling, Christine; Geweke, John; … - ARC Centre of Excellence in Population Ageing Research … - 2011
allocating retirement savings within a compulsory defined contribution retirement plan. The paper develops the implications and … retirement savings scheme. The experiment finds overall rates of violation of roughly 25%, and substantial variation in rates … contribution retirement schemes, where the future welfare of participants in these schemes depends on quantitative decision …
Persistent link: https://www.econbiz.de/10010551705
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Economic Rationality, Risk Presentation, and Retirement Portfolio Choice.
Bateman, Hazel; Ebling, Christine; Geweke, John; … - Volkswirtschaftliche Fakultät, … - 2011
allocating retirement savings within a compulsory de- �ned contribution retirement plan. The paper develops the implications and … retirement savings scheme. The experiment �nds overall rates of violation of roughly 25%, and substantial variation in rates …�ned contribution retirement schemes, where the future welfare of participants in these schemes depends on quantitative decision …
Persistent link: https://www.econbiz.de/10008866161
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The effect of the financial crisis on the retirement plans of older workers in England
Crawford, Rowena - In: Economics Letters 121 (2013) 2, pp. 156-159
This letter revisits the question of how wealth shocks influence retirement behaviour, exploiting the dramatic changes … from this recent financial crisis affected the retirement plans of older workers in England. …
Persistent link: https://www.econbiz.de/10010709106