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Non-take-up of tax-favored savings plans : are household portfolios optimal?

Alessie, Rob; Hochgürtel, Stefan; Soest, Arthur van - 2001

Since the early nineties, the Dutch tax system allows for a tax-favored form of risk free savings through employer-sponsored savings plans (ESSPs). Under some conditions and up to a certain amount, the contributions to this planare tax-deductible, and the returns as well as the withdrawals are...

Persistent link: https://www.econbiz.de/10011325658

Savings by and for the poor : a research review and agenda

Karlan, Dean; Ratan, Aishwarya Lakshmi; Zinman, Jonathan - 2013

welfare consequences: variable consumption, low resilience to shocks, and foregone profitable investments. We lay out five …

Persistent link: https://www.econbiz.de/10009769238

Job security perceptions and the saving behavior of German households

Klemm, Marcus - 2012

This paper investigates the co-movements of job security perceptions and household saving rates using data from the … generally accompanied by slightly lower saving which suggests that employment and financial insecurity typically go hand … saving behavior is found. This behavior is of rather small economic importance and limited to households that are somewhat …

Persistent link: https://www.econbiz.de/10009670136

Loose knots : strong versus weak commitments to save for education in Uganda

Karlan, Dean; Linden, Leigh L. - 2014

Commitment devices offer an opportunity to restrict future choices. However, if severe restrictions deter participation, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings device for educational expenses in Uganda. We...

Persistent link: https://www.econbiz.de/10010229900

Loose knots : strong versus weak commitments to save for education in Uganda

Karlan, Dean; Linden, Leigh L. - 2014

Persistent link: https://www.econbiz.de/10010236461

Savings by and for the poor : a research review and agenda

Karlan, Dean; Ratan, Aishwarya Lakshmi; Zinman, Jonathan - 2014

important welfare consequences: variable consumption, low resilience to shocks, and foregone profitable investments. We lay out …

Persistent link: https://www.econbiz.de/10010339591

Subjective life expectancy and private pensions : conference paper

Bucher-Koenen, Tabea; Kluth, Sebastian - 2013

One important parameter in the decision process when buying a private annuity is individuals' subjective life expectancy, because it directly infuences the expected rate of return. We examine the market for private annuities in Germany and evaluate potential selection effects based on subjective...

Persistent link: https://www.econbiz.de/10010340956

Financial education and access to savings accounts : complements or substitutes? ; evidence from Ugandan youth clubs

Karlan, Dean; Jamison, Julian; Zinman, Jonathan - 2014

Evidence on the effectiveness of financial education and formal savings account access is lacking, particularly for youth. We randomly assign 250 youth clubs to receive either financial education, access to a cheap group account, or both. The financial education treatments increase financial...

Persistent link: https://www.econbiz.de/10010349990

The (in)validity of the Ricardian equivalence theorem : findings from a representative German population survey

Hayo, Bernd; Neumeier, Florian - 2016 - This version: 29 February 2016

theorem (RET). In 2013, 2,000 representatively chosen people were asked whether they have altered their consumption and saving … find that individuals' consumption responses are significantly related to their economic situation, time preferences …

Persistent link: https://www.econbiz.de/10011433976

Cash and pensions : have the elderly in England saved optimally for retirement

Crawford, Rowena; O'Dea, Cormac - 2014

Using a model where households can save in either a safe asset or in an illiquid, tax-advantaged pension, we assess the extent to which those who recently reached the state pension age in the UK have saved optimally for retirement. The policy environment specified closely matches that prevailing...

Persistent link: https://www.econbiz.de/10010402536