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Do tax subsidies for retirement saving impact total private saving? : new evidence on middle-income workers
Christensen, Camilla Skovbo; Ellegaard, Bastian Emil - 2022 - Version: November 1, 2022
tax subsidies for retirement saving reduces total private saving. The reform changed the tax incentives for saving in the …
Persistent link: https://www.econbiz.de/10013375227
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Promoción del ahorro y ahorro previsional voluntario : revisión de la literatura
Machicado, Carlos Gustavo - 2022
problems aimed at promoting voluntary savings for old age (retirement). The different mechanisms and/or tools described have …
Persistent link: https://www.econbiz.de/10013276988
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Do required minimum distribution 401(k) rules matter, and for whom? : insights from a lifecylce model
Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2021
Tax-qualified vehicles helped U.S. private-sector workers accumulate $25Tr in retirement assets. An often …-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD …) regulation, requiring retirees to withdraw a minimum fraction from their retirement accounts or pay excise taxes on withdrawal …
Persistent link: https://www.econbiz.de/10012668367
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Milestone Birthdays and Retirement Investment Behaviour
Gerrans, Paul - 2017
This paper investigates individuals' investment behaviour in their retirement savings surrounding milestone birthday … to make investment changes. We utilise a large Australia retirement savings fund which provides the history of investment …
Persistent link: https://www.econbiz.de/10012949647
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When Cognitive Functioning Meets Financial Literacy and Judgment in Older Age : Advising Those Self-Managing Retirement Savings
Earl, Joanne - 2015
savings in retirement, this relationship is of increasing importance. We find differences between those people who self …-manage large retirement savings portfolios and those with money in institutional retirement savings funds, with the former …
Persistent link: https://www.econbiz.de/10013028535
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Putting the pension back in 401(k) retirement plans : optimal versus default longevity income annuities
Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2018
retirement security, enhancing welfare by up to 20% of retiree plan accruals. …
Persistent link: https://www.econbiz.de/10011932365
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Do tax subsidies for retirement saving affect total private saving? : new evidence on middle-income workers
Christensen, Camilla Skovbo; Ellegaard, Bastian Emil - In: The Scandinavian journal of economics 125 (2023) 4, pp. 933-955
Persistent link: https://www.econbiz.de/10014435263
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Fixed and variable longevity annuities in defined contribution plans : optimal retirement portfolios taking social security into account
Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2023
This paper investigates retirees' optimal purchases of fixed and variable longevity income annuities using their defined contribution (DC) plan assets and given their expected Social Security benefits. As an alternative, we also evaluate using plan assets to boost Social Security benefits...
Persistent link: https://www.econbiz.de/10013554899
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The distribution of household savings in Germany
Späth, Jochen; Schmid, Kai D. - 2016
Savings are, apart from inheritances and transfers, the corner stone for the accumulation of wealth. Against the background of rising economic inequality in industrialized countries and the ongoing assessment of its root causes, analyses of the distribution of savings along the income and wealth...
Persistent link: https://www.econbiz.de/10011575021
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A social norm nudge to save more : a field experiment at a retail bank
Dur, Robert A. J.; Fleming, Dimitry; Garderen, Marten van; … - 2019
A large fraction of households have very little savings buffer and are there-fore vulnerable to financial shocks. We examine whether a social norm nudgecan stimulate such households to save more by running a small-scale survey ex-periment and a large-scale field experiment at a retail bank in...
Persistent link: https://www.econbiz.de/10012057179