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Defined Contribution Pensions: Plan Rules, Participant Decisions, and the Path of Least Resistance

Laibson, David; Madrian, Brigitte C.; Metrick, Andrew; … - National Bureau of Economic Research (NBER) - 2001

We assess the impact on savings behavior of several different 401(k) plan features, including automatic enrollment, automatic cash distributions, employer matching provisions, eligibility requirements, investment options, and financial education. We also present new survey evidence on individual...

Persistent link: https://www.econbiz.de/10005714793

Plan Design and 401(k) Savings Outcomes

Laibson, David; Madrian, Brigitte C.; Choi, James J. - National Bureau of Economic Research (NBER) - 2004

We assess the impact of 401(k) plan design on four different 401(k) savings outcomes: participation in the 401(k) plan, the distribution of employee contribution rates, asset allocation, and cash distributions. We show that plan design can have an important effect on all of these savings...

Persistent link: https://www.econbiz.de/10005105881

The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment

Laibson, David; Madrian, Brigitte C.; Beshears, John; … - National Bureau of Economic Research (NBER) - 2007

Existing research has documented the large impact that automatic enrollment has on savings plan participation. All the companies examined in these studies, however, have combined automatic enrollment with an employer match. This raises a question about how effective automatic enrollment would be...

Persistent link: https://www.econbiz.de/10005580368

Automatic Enrollment with a 12% Default Contribution Rate

Beshears, John; Guo, Ruofei; Laibson, David I.; … - National Bureau of Economic Research - 2023

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

Persistent link: https://www.econbiz.de/10014337834

Small Cues Change Savings Choices

Choi, James J. - 2012

In randomized field experiments, we embedded one- to two-sentence anchoring, goal-setting, or savings threshold cues in emails to employees about their 401(k) savings plan. We find that anchors increase or decrease 401(k) contribution rates by up to 1.4% of income. A high savings goal example...

Persistent link: https://www.econbiz.de/10013109003

Who uses the Roth 401(k), and how do they use it?

Beshears, John; Choi, James J.; Laibson, David I.; … - In: Discoveries in the Economics of Aging, (pp. 411-440). 2014

Persistent link: https://www.econbiz.de/10011283909

Building emergency savings through employer-sponsored rainy-day savings accounts

Beshears, John; Choi, James J.; Iwry, Mark; John, David C. - 2019

Persistent link: https://www.econbiz.de/10012169726

Who uses the Roth 401(k), and how do they use it?

Beshears, John; Choi, James J.; Laibson, David I.; … - 2013

Persistent link: https://www.econbiz.de/10009773374

Building Emergency Savings Through Employer-Sponsored Rainy-day Savings Accounts

Beshears, John - 2019

financial shocks. One consequence of this financial vulnerability is that many individuals use a portion of their retirement … before retirement (Argento, Bryant, and Sabelhaus 2015). We explore the practical considerations and challenges associated … with helping households accumulate liquid savings that can be deployed when urgent pre-retirement needs arise …

Persistent link: https://www.econbiz.de/10012480442

Building Emergency Savings Through Employer-Sponsored Rainy-Day Savings Accounts

Beshears, John - 2019

Persistent link: https://www.econbiz.de/10012858414

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