correct for some parts of household savings, we question the correctness of the unitary model with respect to non …-mandatory retirement savings. To answer this question we analyze the intra-household allocation of retirement savings between partners in … of household decision making can thus be rejected with respect to retirement savings. …

according to the age at which these are claimed, open up a complex set of financial options for household decisions. These rules … influence optimal household asset allocation, insurance, and work decisions, subject to life cycle demographic shocks, such as …

social programs, savings, and the labor supplies of all adult household members. The optimal policy mix focuses mainly on … and savings decisions of singles and married couples. Partial insurance against wage and employment shocks is provided by … Social Assistance, which provides a permanent universal household income floor, with a minor role for temporary earnings …