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Lifecycle impacts of the financial and economic crisis on household optimal consumption, portfolio choice, and labor supply
Chai, Jingjing; Maurer, Raimond; Mitchell, Olivia S.; … - 2011
The direct financial impact of the financial crisis has been to deal a heavy blow to investment-based pensions; many workers lost a substantial portion of their retirement saving. The financial sector implosion produced an economic crisis for the rest of the economy via high unemployment and...
Persistent link: https://www.econbiz.de/10009305828
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Retirement and Wealth
Gustman, Alan L. - 2003
Using data from the Health and Retirement Study, we estimate reduced form retirement and wealth equations. The retirement equation relates the probability of retiring to the quot;premium valuequot;, a forward looking measure of the future value of pensions and social security that better...
Persistent link: https://www.econbiz.de/10012786844
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Lifetime Accumulations and Tax Savings from HSA Contributions
Fronstin, Paul - 2014
2014 marks the 10-year anniversary of the introduction of health savings accounts (HSAs), created by Congress in 2003 … taxation. Because of this triple tax preference, some individuals might find using an HSA as a savings vehicle for health care … expenses in retirement more advantageous from a tax perspective than saving in a 401(k) plan or other retirement savings plan …
Persistent link: https://www.econbiz.de/10013049922
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The Life Cycle Model, Replacement Rates, and Retirement Income Adequacy
Biggs, Andrew G. - 2016
Persistent link: https://www.econbiz.de/10012983188
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Extrapolative Expectations and Retirement Savings
Cota, Marta - 2023
enrollment yields negligible effects on retirement savings …
Persistent link: https://www.econbiz.de/10014351062
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Experimental Research on Retirement Decision-Making : Evidence from Reproductions
Bachmann, Kremena; Lot, Andre; Xu, Xiaogeng; Hens, Thorsten - 2022
affects the saving behavior of the subjects. Savings are higher when they are incentivized with matching contributions than …
Persistent link: https://www.econbiz.de/10013491806
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Generational accounting, solidarity and pension losses
Teulings, Coen N.; Vries, Casper G. de - 2003
The stock market collapse led to political tensions between generations due to the fuzzy definition of the property rights over the pension funds’ wealth. The problem is best resolved by the introduction of generational accounts. Modern consumption and portfolio theory shows that the younger...
Persistent link: https://www.econbiz.de/10011334341
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Budgetary Costs of Tax Facilities for Pension Savings : An Empirical Analysis
Caminada, Koen - 2009
, pension saving is taxed at a relatively low rate, although the revenue loss due to tax facilities for pension savings and … budgetary effects of a cash-flow tax regime for pension savings by full present-value calculations. The fiscal subsidy on … pension savings in several (European) countries is often associated with the application of the cash-flow treatment of …
Persistent link: https://www.econbiz.de/10013157993
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On the Optimal Combination of Annuities and Tontines
Chen, An - 2019
Tontines, retirement products constructed in such a way that the longevity risk is shared in a pool of policyholders, have recently gained vast attention from researchers and practitioners. Typically, these products are cheaper than annuities, but do not provide stable payments to policyholders....
Persistent link: https://www.econbiz.de/10012865448
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Tax Uncertainty and Retirement Savings Diversification
Brown, David C. - 2016
We investigate the optimal savings decisions for investors with access to pre-tax (traditional) and post-tax (Roth …
Persistent link: https://www.econbiz.de/10012988289