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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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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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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
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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; … - 2021
A large fraction of households have very little savings buffer and are therefore vulnerable to financial shocks. This paper examines whether a social norm nudge can induce such households to save more. We ran a large-scale field experiment at a retail bank in the Netherlands. We find that...
Persistent link: https://www.econbiz.de/10012433886
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Stockholding: From participation to location and to participation spillovers
Christelis, Dimitris; Georgarakos, Dimitris; Haliassos, … - 2009
through retirement accounts only. Household characteristics influence stockholding through retirement accounts conditional on … owning retirement accounts, unlike what happens with stockholding through mutual funds. Although stockholding is more common … among retirement account owners, this fact is mainly due to their characteristics that led them to buy retirement accounts …
Persistent link: https://www.econbiz.de/10010303708
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Econometric analysis of the wealth gap between East and West Germany
Becker, Gideon - 2015 - This draft: February 22, 2015
Nearly 25 years after the German reunification, vastly different living conditions between East and West Germany still remain. This is particularly true for the distribution of net wealth which is of special importance for the well-being of individuals. Wealth provides utility in a number of...
Persistent link: https://www.econbiz.de/10011348393
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The credit card debt puzzle : the role of preferences, credit risk, and financial literacy
Gorbachev, Olga; Luengo-Prado, Maria José - 2016 - This version: July 7, 2016
We use the 1979 National Longitudinal Survey of Youth to revisit what is termed the credit card debt puzzle: why consumers simultaneously co-hold high-interest credit card debt and lowinterest assets that could be used to pay down this debt. This dataset contains unique information on...
Persistent link: https://www.econbiz.de/10011516711
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How important is variability in consumer credit limits?
Fulford, Scott L. - 2014 - This version: May 2014; first draft: June 2010
Credit limit variability is a crucial aspect of the consumption, savings, and debt decisions of households in the United States. Using a large panel, this paper first demonstrates that individuals gain and lose access to credit frequently and often have their credit limits reduced unexpectedly....
Persistent link: https://www.econbiz.de/10010414215