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Household debt and saving during the 2007 recession
Chakrabarti, Rajashri; Lee, Donghoon; Klaauw, Wilbert … - 2011
increase in saving - at least in 2009 - did not materialize through an increase in contributions to retirement and savings …
Persistent link: https://www.econbiz.de/10008935752
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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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Savings and wealth of the lifetime rich : evidence from the UK and US
Bozio, Antoine; Emmerson, Carl; O'Dea, Cormac; Tetlow, Gemma - 2013
Whether higher lifetime income households do save a larger share of their income is one of the longstanding empirical questions in economics that has been surprisingly difficult to answer. We use both consumption data and a new dataset containing both individual survey data on wealth holdings...
Persistent link: https://www.econbiz.de/10010222359
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Retirement Savings Adequacy in U.S. Defined Contribution Plans
Gomes, Francisco - 2020
We evaluate retirement savings adequacy using a large panel of U.S. workers with a 401(k) account. We model medical …
Persistent link: https://www.econbiz.de/10012850740
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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
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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
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What is an adequate standard of living during retirement?
Binswanger, Johannes; Schunk, Daniel - 2009
Many economists and policy-makers argue that households do not save enough to maintain an adequate standard of living during retirement. However, there is no consensus on the answer to the underlying question about what this standard should be, despite the fact that it is crucial for the design...
Persistent link: https://www.econbiz.de/10003923525
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Wealth concentration in the United States using an expanded measure of net worth
Jacobs, Lindsay; Llanes, Elizabeth; Moore, Kevin; … - 2021 - This version: April 2021
that these broadly held resources substitute for savings, measures of wealth inequality that do not account for DB pensions …Defined benefit (DB) pensions and Social Security are two important resources for financing retirement in the United …
Persistent link: https://www.econbiz.de/10012584693
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Declining natural interest rate in the US : the pension system matters
Bonchi, Jacopo; Caracciolo, Giacomo - 2021
Persistent link: https://www.econbiz.de/10012612965
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The impact of adolescent psychological distress on access and participation in employer sponsored pension plans in the US
Arulsamy, Karen - 2022
Persistent link: https://www.econbiz.de/10013184729