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The effectiveness of tax incentives to encourage private savings

Fadejeva, Ludmila; Tkacevs, Olegs - In: Baltic journal of economics 22 (2022) 2, pp. 110-125

This study examines the impact of tax incentives for long-term savings on total private savings using data for Latvia … contained in HFCS 2014 and 2017. The survey shows that contributions to tax-favoured savings plans are not associated with lower … consumer spending and therefore do not contribute to an increase in private savings. Instead, these savings are achieved by …

Persistent link: https://www.econbiz.de/10014319310

Pension saving responses to anticipated tax changes : Evidence from monthly pension contribution records

Kreiner, Claus Thustrup; Leth-Petersen, Søren; Skov, … - 2016

that this led to an increase in total savings. …

Persistent link: https://www.econbiz.de/10011523609

The effect of tax incentives on private pension saving

O'Brien, Laurence - 2023

In many countries, saving in a private pension is tax-advantaged to encourage saving for retirement; however, there is mixed evidence on the extent to which this increases saving. This paper estimates the responsiveness of private pension saving to tax incentives for employees in England and...

Persistent link: https://www.econbiz.de/10014372118

Quantile treatment effects of Riester participation on wealth

Ihle, Dorothee - 2017

In numerous industrialized countries the demographic change erodes the financial basis of traditional pay-as-you-go pension systems. To compensate for decreasing statutory pensions, many governments incentivize private saving by means of subsidized retirement plans. In this context, Germany...

Persistent link: https://www.econbiz.de/10011695521

Quantile treatment effects of Riester participation on wealth

Ihle, Dorothee - 2017

In numerous industrialized countries the demographic change erodes the financial basis of traditional pay-as-you-go pension systems. To compensate for decreasing statutory pensions, many governments incentivize private saving by meansof subsidized retirement plans. In this context, Germany...

Persistent link: https://www.econbiz.de/10011791713

Tax-Efficient Charitable Giving of Savings or Retirement Benefits

Feuer, Albert - 2019

Individuals often fund charitable gifts with their savings or retirement benefits. However, such benefits, other than …, and may not be deductible from the donor's income. This article discusses how savings or retirement lifetime and survivor … contributions of savings or retirement benefits, this approach may raise non-charitable tax-planning issues. The most favorable tax …

Persistent link: https://www.econbiz.de/10012898127

Tax Benefits of Open Individual Private Pension Plans

Varga, Gyorgy - 2020

This article describes the open private pension plans offered in Brazil, which is one of the four pillars of the Brazilian retirement system. A framework is created to describe and analyze the impact of the transaction costs and tax advantages one can obtain from these financial products. This...

Persistent link: https://www.econbiz.de/10012846273

Do up-front tax incentives affect private pension saving in the United Kingdom?

Crawford, Rowena; Disney, Richard; Emmerson, Carl - 2012

The paper examines how individuals respond to complex decision-making environments - in particular, whether up-front financial incentives are an effective policy lever to change behaviour. The paper argues that incentives differ in their transparency and in their complexity; individuals are more...

Persistent link: https://www.econbiz.de/10009512166

Rethinking Saving Incentives

Bernheim, B. Douglas - 1997

This paper undertakes a review of the existing academic work on tax incentives and personal saving. Its central conclusions are as follows. First, the traditional life cycle hypothesis has had an excessive influence on the design and conceptualization of empirical investigations concerning...

Persistent link: https://www.econbiz.de/10014207849

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