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Do retirement savings increase in response to information about retirement and expected pensions?

Dolls, Mathias; Doerrenberg, Philipp; Peichl, Andreas; … - 2018

How can retirement savings be increased? We explore a unique policy change in the context of the German pension system … these letters on the behavior of individuals. We find an increase in tax-deductible private retirement savings and provide … evidence that this is not due to a crowding-out of other forms of savings. We also show that labor earnings, i.e. the most …

Persistent link: https://www.econbiz.de/10011782119

Mapping the minds of retirement planners

Hershey, Douglas A.; Henkens, Kène; Dalen, Hendrik P. van - 2006

This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...

Persistent link: https://www.econbiz.de/10011349213

Putting the pension back in 401(k) retirement plans : optimal versus default longevity income annuities

Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2018

A recent US Treasury regulation allowed deferred longevity income annuities to be included in pension plan menus as a default payout solution, yet little research has investigated whether more people should convert some of the $15 trillion they hold in employer-based defined contribution plans...

Persistent link: https://www.econbiz.de/10011932365

Fixed and variable longevity annuities in defined contribution plans : optimal retirement portfolios taking social security into account

Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2023

This paper investigates retirees' optimal purchases of fixed and variable longevity income annuities using their defined contribution (DC) plan assets and given their expected Social Security benefits. As an alternative, we also evaluate using plan assets to boost Social Security benefits...

Persistent link: https://www.econbiz.de/10013554899

The Role of IRAs in US Households’ Saving for Retirement, 2019

Holden, Sarah - 2020

Persistent link: https://www.econbiz.de/10012827132

The Role of IRAs in US Households’ Saving for Retirement, 2020

Holden, Sarah; Schrass, Daniel - 2021

assets behind at the former employer, wanting to preserve the tax treatment of the savings, and wanting to consolidate assets …

Persistent link: https://www.econbiz.de/10013238381

Do required minimum distribution 401(k) rules matter, and for whom? : insights from a lifecylce model

Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2021

Tax-qualified vehicles helped U.S. private-sector workers accumulate $25Tr in retirement assets. An often-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD) regulation, requiring retirees to withdraw a minimum...

Persistent link: https://www.econbiz.de/10012668367