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Target date funds and portfolio choice in 401(k) plans

Mitchell, Olivia S.; Utkus, Stephen P. - 2021

Target date funds in corporate retirement plans grew from $5B in 2000 to $734B in 2018, partly because federal regulation sanctioned these as default investments in automatic enrollment plans. We show that adopters delegated pension investment decisions to fund managers selected by plan...

Persistent link: https://www.econbiz.de/10012665505

How do Behavioral Approaches to Increase Savings Compare? Evidence from Multiple Interventions in the U.S. Army

Patterson, Richard W.; Skimmyhorn, William L. - National Bureau of Economic Research - 2022

increase retirement savings. However, gauging the relative efficacy of these approaches is challenging because the supporting … rates, active choice, and automatic enrollment) designed to increase retirement savings. Consistent with previous literature …, we find sizable effects of savings interventions on participation and cumulative contributions that increase with the …

Persistent link: https://www.econbiz.de/10013462745

Plan Design and Participant Behavior in Defined Contribution Retirement Plans : Past, Present, and Future

Reuter, Jonathan - National Bureau of Economic Research - 2024

savings are smaller than the short-run effects, with some savings financed via debt. I also review efforts to expand access to … employer-based retirement savings and liquid savings, the pros and cons of target date funds as default investment options …

Persistent link: https://www.econbiz.de/10014635616

Personalized reminders : evidence from a field experiment with voluntary retirement savings in Colombia

Gars, Jared; Prada, Laura; Tripodi, Egon; Borda, Santiago - 2025

savings. However, many enrollees fail to contribute regularly. We conduct a randomized controlled trial with 2,819 BEPS users … personalized reminders significantly increase both the frequency and amount of savings, with individuals who recognize their … timing in sustaining engagement in voluntary savings programs. …

Persistent link: https://www.econbiz.de/10015332086

Feedback, gender, and choking under pressure : evidence from alpine skiing

Bühren, Christoph; Gschwend, Martin; Krumer, Alex - 2022 - This version: October 2022

In alpine skiing competitions, one of the coaches of the participating countries sets the course. This may provide an advantage, but it may also exert higher pressure on the racers. We analyze 40,150 men's and 36,968 women's performances from all competitions in alpine skiing's Slalom, Giant...

Persistent link: https://www.econbiz.de/10013393411

Tax incentives, bequest motives, and the demand for life insurance : evidence from two natural experiments in Germany

Sauter, Nicolas; Walliser, Jan; Winter, Joachim - 2010

life-insurance demand. -- savings ; life insurance ; capital income taxation ; bequests …

Persistent link: https://www.econbiz.de/10003966524

Betting on a long life : the role of subjective life expectancy in the demand for private pension insurance of german households

Schulte, Katharina; Dörr, Ulrike - 2010

uptake of German households in a probit model. Using survey data on savings and old-age provision, we find that subjective …

Persistent link: https://www.econbiz.de/10003969303

The impact of biases in survival beliefs on savings behavior

Groneck, Max; Ludwig, Alexander; Zimper, Alexander - 2017

life-cycle consumption and savings. According to numerous studies on subjective survival beliefs, young people also …

Persistent link: https://www.econbiz.de/10011629177

Financial literacy, economic preferences, and adolescents' field behavior

Razen, Michael; Huber, Jürgen; Hueber, Laura; … - 2020

Financial literacy and economic preferences are considered to be important drivers of health, income, and general well-being. In this paper we bridge the gap between studies on financial literacy and research on economic preferences by how they interplay with each other and the field behavior of...

Persistent link: https://www.econbiz.de/10012203420

Digital finance and financial literacy: an empirical investigation of Chinese households

Yang, Junhong; Wu, Yu; Huang, Bihong - 2020

Using the 2015 and 2017 waves of the China Household Finance Survey (CHFS), we measured financial literacy and study its relationship to households' demand for digital finance. We found that a majority of households in the People's Republic of China possess limited financial literacy. The low...

Persistent link: https://www.econbiz.de/10012403880