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Why do Europeans save? : micro-evidence from the household finance and consumption survey
Horioka, Charles; Ventura, Luigi - 2024
In this paper, we analyze the saving motives of European households using micro-data from the Household Finance and Consumption Survey (HFCS), which is conducted by the European Central Bank. We find that the rank ordering of saving motives differs greatly depending on what criterion is used to...
Persistent link: https://www.econbiz.de/10015047840
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Housing in the Household Portfolio and Implications for Retirement Saving: Some Initial Finding from SOFIE
Scobie, Grant; Le, Trinh; Gibson, John - 2007
Housing is an important sector of the economy. It has widespread implications for investment, banking, saving and employment. Home ownership has been linked to building social capital and a sense of community. Furthermore housing equity is a significant element of retirement accumulation for...
Persistent link: https://www.econbiz.de/10012115603
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Reverse mortgage participation in the United States : evidence from a national study
Chatterjee, Swarn - In: International Journal of Financial Studies : open … 4 (2016) 1, pp. 1-10
This paper uses the most recent wave of a nationally representative dataset to examine the factors associated with elderly homeowners' decision to obtain reverse mortgage loans. The findings of this study suggest that very few homeowners participated in the reverse mortgage market, and...
Persistent link: https://www.econbiz.de/10011474457
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Intra-household allocation of non-mandatory retirement savings : update : updated version of discussion paper no.60
Metzger, Christoph - 2017
Traditionally, households have been seen as acting as a single unit when it comes to savings. Although this might be … correct for some parts of household savings, we question the correctness of the unitary model with respect to non …-mandatory retirement savings. Therefore we analyze the intra-household allocation of retirement savings between partners in Germany taking …
Persistent link: https://www.econbiz.de/10011582956
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Household portfolios and financial preparedness for retirement
Crawford, Rowena; O'Dea, Cormac - In: Quantitative economics : QE ; journal of the … 11 (2020) 2, pp. 637-670
to evaluate the adequacy of retirement savings. We find first that the specification of the model's asset structure …
Persistent link: https://www.econbiz.de/10012213993
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Pensions or Property? Risk Perceptions and the Saving Strategies of the UK Creative Class, 2007-2010
Clark, Gordon L. - 2011
anticipated outcomes of different options, and it is quite unclear whether conventional savings instruments are better or worse …
Persistent link: https://www.econbiz.de/10013125949
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Financial Literacy and Saving for Retirement among Kenyan Households
Schützeichel, Teresa - 2019
In this paper I examine financial literacy and saving for retirement in Kenya using the household survey of 2016 from FinAccess Kenya. I use probit regressions to determine the effect financial literacy has on individuals saving regularly as well as saving for retirement. My findings show that...
Persistent link: https://www.econbiz.de/10012889942
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Who is saving privately for retirement and how much? : new evidence for Germany
Metzger, Christoph - 2015
decades. Voluntary savings for retirement will therefore gain more and more relevance in order to maintain one’s standard of … living during retirement. This article examines the savings behavior for retirement on an individual level in Germany. As a …
Persistent link: https://www.econbiz.de/10010517686
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Mapping the minds of retirement planners
Hershey, Douglas A.; Henkens, Kène; Dalen, Hendrik P. van - 2006
This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...
Persistent link: https://www.econbiz.de/10011349213
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Intra-household allocation of non-mandatory retirement savings
Metzger, Christoph - 2016
Traditionally, households have been seen as acting as a single unit when it comes to savings. Although this might be … correct for some parts of household savings, we question the correctness of the unitary model with respect to non …-mandatory retirement savings. To answer this question we analyze the intra-household allocation of retirement savings between partners in …
Persistent link: https://www.econbiz.de/10011434405