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Life-cycle saving patterns and pension arrangements in the UK
Banks, James; Rohwedder, Susann - In: Research in economics : an international review of economics 55 (2001) 1, pp. 83-107
Persistent link: https://www.econbiz.de/10001707195
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Cognitive function, numeracy and retirement saving trajectories
Banks, James; O'Dea, Cormac; Oldfield, Zoë - In: The economic journal : the journal of the Royal … 120 (2010) 548, pp. 381-410
Persistent link: https://www.econbiz.de/10008809421
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Household saving in the UK
Banks, James; Tanner, Sarah - 1999
The gradual shift in responsibility for welfare provision, from the government to individuals, is making household saving and wealth holding a key policy concern. Yet remarkably little is known about how much households save or the forms in which they save.Unlike income or expenditure, there is...
Persistent link: https://www.econbiz.de/10009570815
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Housing mobility and downsizing at older ages in Britain and the United States
Banks, James; Blundell, Richard; Oldfield, Zoë; Smith, … - 2010
This paper investigates the effects of housing price risk on housing choices over the lifecycle. Housing price risk can be substantial but, unlike other risky assets which people can avoid, the fact that most people will eventually own their home creates an insurance demand for housing assets...
Persistent link: https://www.econbiz.de/10010274602
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House price volatility and the housing ladder
Banks, James; Blundell, Richard; Oldfield, Zoë; Smith, … - 2010
This paper investigates the effects of housing price risk on housing choices over the lifecycle. Housing price risk can be substantial but, unlike other risky assets which people can avoid, the fact that most people will eventually own their home creates an insurance demand for housing assets...
Persistent link: https://www.econbiz.de/10010274692
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Effectiveness of tax incentives to boost (retirement) saving: Theoretical motivation and empirical evidence
Attanasio, Orazio P.; Banks, James; Wakefield, Matthew - 2004
particular savings accounts. We consider empirical evidence from these two countries regarding the extent to which funds in some … specific tax advantaged accounts (IRAs in the US, TESSAs and ISAs in the UK) represent new savings. Our best interpretation of … with reshuffling of existing savings. Continuing improvements in data on individual financial behaviour create scope for …
Persistent link: https://www.econbiz.de/10010293021
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Life-cycle consumption patterns at older ages in the US and the UK: Can medical expenditures explain the difference?
Banks, James; Blundell, Richard; Levell, Peter; Smith, … - 2016
In this paper we document significantly steeper declines in nondurable expenditures in the UK compared to the US, in spite of income paths being similar. We explore several possible causes, including different employment paths, housing ownership and expenses, levels and paths of health status,...
Persistent link: https://www.econbiz.de/10011786830
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House price volatility and the housing ladder
Banks, James; Blundell, Richard W.; Oldfield, Zoë; … - 2010
This paper investigates the effects of housing price risk on housing choices over the lifecycle. Housing price risk can be substantial but, unlike other risky assets which people can avoid, the fact that most people will eventually own their home creates an insurance demand for housing assets...
Persistent link: https://www.econbiz.de/10009006946
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Housing mobility and downsizing at older ages in Britain and the United States
Banks, James; Blundell, Richard W.; Oldfield, Zoë; … - 2010
This paper investigates the effects of housing price risk on housing choices over the lifecycle. Housing price risk can be substantial but, unlike other risky assets which people can avoid, the fact that most people will eventually own their home creates an insurance demand for housing assets...
Persistent link: https://www.econbiz.de/10009006985
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Life-cycle consumption patterns at older ages in the US and the UK : can medical expenditures explain the difference?
Banks, James; Blundell, Richard W.; Levell, Peter; … - 2015
In this paper we document significantly steeper declines in nondurable expenditures in the UK compared to the US, in spite of income paths being similar. We explore several possible causes, including different employment paths, housing ownership and expenses, levels and paths of health status,...
Persistent link: https://www.econbiz.de/10010498398