We analyse the investment performance of a large sample of individuals investing in discretionary retirement savings … reflecting the consequence of their trading behaviours and effectiveness in accumulating retirement savings. It is of particular … interest to policy makers given the tax concessions that retirement savings attract in the expectation that successfully …

Many countries seek to improve their pension systems by introducing corporate and individual savings plans to address … the challenges of demography, social security, and economy. However, the establishing of a long-term, reliable savings … savings pillar, which 20 years later the Ministry of Finance substituted by voluntary savings. As this period appeared shorter …

rates and expense ratios, and we estimate this could lead to aggregate savings for these participants over a 20-year period …

of return to the member’s accumulated pension savings, and a percentage of the potential positive return of the benchmark … index. The SP will enable pension members to increase the potential return on their accumulated savings without exposure to … from the sale of the SP to pension members, and its members, who want to ensure their pension savings against declines in …

In private pre-funded retirement savings systems, workers can be compelled by regulation to make minimum contributions … to retirement accounts. We examine the impact of compulsory contributions into retirement savings (superannuation … the consumption of lower wealth individuals is severely constrained by compulsory savings, resulting in a sizeable welfare …

. Average savings increase — especially for the financially less literate. We conclude that simplification of pension … information can potentially reduce disparities in pension planning and savings behavior …