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 … suggests that those who have access to this type of savings should participate inthem, provided they have some financial wealth …

-Americans and Hispanics. Moreover, close to half of older workers do not know which type of pensions they have and the large …

consumption models, including a numerically solved precautionary savings model. We find that inter-country differences are …

percentage losses in retirement savings as a result of more frequent spells of unemployment. Higher income worker losses are more …

increase in saving - at least in 2009 - did not materialize through an increase in contributions to retirement and savings …

estimates show that planning behavior can explain the differences in savings and why some people arrive close to retirement with …