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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
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The Role of Propensity to Plan on Retirement Savings and Asset Accumulation
Lee, Jae Min - 2016
savings and asset accumulation. Based on the theory of propensity to plan, this study proposed two comprehensive indices for … squares regressions indicated that both retirement savings and net worth increased as the level of propensity to plan … increased. This study provides empirical evidence and implications for the role of the propensity to plan on retirement savings …
Persistent link: https://www.econbiz.de/10012981781
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Household bargaining, pension contributions and retirement expectations : evidence from the German Panel on Household Finances
Fernandes, Inês; Schmidt, Tobias - 2021
In this paper, we study the relationship between intrahousehold bargaining styles, bar-gaining power and individual pension contributions and expected standard of living in retirement, using microdata from the German Panel on Household Finances (PHF) survey. The paper builds on a theoretical...
Persistent link: https://www.econbiz.de/10012697947
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Financial Knowledge Overconfidence and Early Withdrawals from Retirement Accounts
Lee, Sunwoo T. - 2020
Early distributions from retirement accounts could endanger future retirement income security, and the U.S. has restrictions to discourage them, including possible tax penalties. On the other hand, tapping one's retirement assets may be rational when an individual encounters financial hardship....
Persistent link: https://www.econbiz.de/10012825636
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Transition to Old Age (Superannuation) in a 3-D, Age Based, Dynamic, Serially Connected and Annually Recalculated Retirement Distribution Model
Frank Sr, Larry R. - 2012
Past research on the topic of sustainable withdrawal rates has primarily focused on longer distribution periods which apply to younger age retirees.A structural problem with pensions, annuities, and first generation "safe withdrawal rate" is a disconnect of benefits paid (fixed or fixed with...
Persistent link: https://www.econbiz.de/10013107097
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The effects of pension information on individuals’ economic outcomes : a survey
Basiglio, Stefania; Oggero, Noemi - In: Economies : open access journal 8 (2020) 3/67, pp. 1-16
savings decisions. We also highlight that the lack of knowledge prevalently hits the most vulnerable individuals in the …
Persistent link: https://www.econbiz.de/10012296088
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Do retirement savings increase in response to information about retirement and expected pensions?
Dolls, Mathias; Doerrenberg, Philipp; Peichl, Andreas; … - 2018
How can retirement savings be increased? We explore a unique policy change in the context of the German pension system … these letters on the behavior of individuals. We find an increase in tax-deductible private retirement savings and provide … evidence that this is not due to a crowding-out of other forms of savings. We also show that labor earnings, i.e. the most …
Persistent link: https://www.econbiz.de/10011782119
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Pension funds in sub-Saharan Africa
Nyang`oro, Owen; Njenga, Githinji - 2022
provides elderly assistance and is a source of savings for long-term investment. The pension systems in SSA, however, are …
Persistent link: https://www.econbiz.de/10013349380
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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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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