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Non-take-up of tax-favored savings plans : are household portfolios optimal?
Alessie, Rob; Hochgürtel, Stefan; Soest, Arthur van - 2001
Since the early nineties, the Dutch tax system allows for a tax-favored form of risk free savings through employer-sponsored savings plans (ESSPs). Under some conditions and up to a certain amount, the contributions to this planare tax-deductible, and the returns as well as the withdrawals are...
Persistent link: https://www.econbiz.de/10011325658
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Financial literacy, retirement planning, and household wealth
Rooij, Maarten van; Lusardi, Annamaria; Alessie, Rob - 2011
There is ample empirical evidence documenting widespread financial illiteracy and limited pension knowledge. At the same time, the distribution of wealth is widely dispersed and many workers arrive on the verge of retirement with few or no personal assets. In this paper, we investigate the...
Persistent link: https://www.econbiz.de/10009298377
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Saving and Cohabitation : The Economic Consequences of Living with One's Parents in Italy and the Netherlands
Alessie, Rob; Brugiavini, Agar; Weber, Guglielmo - 2005
The paper deals with the effects of cohabitation of grown children with their parents on household saving, using data … by the consumption loss induced by the move (consumption is a public good while the child lives in the parental home). We … show that the child's income share affects the household saving decision, in contrast with predictions of the standard …
Persistent link: https://www.econbiz.de/10014068546
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Non-take-up of Tax-favored Savings Plans: Are Household Portfolios Optimal?
Alessie, Rob; Hochguertel, Stefan; Soest, Arthur van - Tinbergen Instituut - 2001
Since the early nineties, the Dutch tax system allows for a tax-favored form of risk free savings through employer-sponsored savings plans (ESSPs). Under some conditions and up to a certain amount, the contributions to this planare tax-deductible, and the returns as well as the withdrawals are...
Persistent link: https://www.econbiz.de/10011257210
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Financial Literacy, Retirement Planning, and Household Wealth
Rooij, Maarten van; Lusardi, Annamaria; Alessie, Rob - de Nederlandsche Bank - 2011
There is ample empirical evidence documenting widespread financial illiteracy and limited pension knowledge. At the same time, the distribution of wealth is widely dispersed and many workers arrive on the verge of retirement with few or no personal assets. In this paper, we investigate the...
Persistent link: https://www.econbiz.de/10009274334
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Where are the retirement savings of self-employed? An analysis of 'unconventional' retirement accounts
Mastrogiacomo, Mauro; Alessie, Rob - de Nederlandsche Bank - 2015
savings are low and below individually pre-stated saving intentions, even though this group has generally no occupational … pension. We also study the relation between the importance of a broad spectrum of saving motives, such as saving for … retirement, and saving behavior. We show that finding the retirement motive important does not directly translate in additional …
Persistent link: https://www.econbiz.de/10011119844
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The Precautionary Saving Motive and Wealth Accumulation
Mastrogiacomo, Mauro; Alessie, Rob - Centraal Planbureau (CPB), Government of the Netherlands - 2010
We quantify the relative importance of the precautionary saving motive in determining wealth accumulation. Puzzling …
Persistent link: https://www.econbiz.de/10008836365
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Did you really save so little for your retirement? An analysis of retirement savings and unconventional retirement accounts
Mastrogiacomo, Mauro; Alessie, Rob - Centraal Planbureau (CPB), Government of the Netherlands - 2011
We use a confirmatory factor analysis to study the relation between the importance of a broad spectrum of saving … motives, such as saving for retirement, and saving behavior. Survey data show that many respondents save for retirement in …
Persistent link: https://www.econbiz.de/10009402033
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Non-take-up of Tax-favored Savings Plans: Are Household Portfolios Optimal?
Alessie, Rob; Hochguertel, Stefan; van Soest, Arthur - 2001
Since the early nineties, the Dutch tax system allows for a tax-favored form of risk free savings through employer-sponsored savings plans (ESSPs). Under some conditions and up to a certain amount, the contributions to this planare tax-deductible, and the returns as well as the withdrawals are...
Persistent link: https://www.econbiz.de/10010324947
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Non-take-up of Tax-favored Savings Plans: Are Household Portfolios Optimal?
Alessie, Rob; Hochguertel, Stefan; Soest, Arthur van - Tinbergen Institute - 2002
-tax returns by far exceeding the returns to other financial assets such as risk free saving accounts or stocks and bonds. It …
Persistent link: https://www.econbiz.de/10005795582