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The Role of IRAs in US Households’ Saving for Retirement, 2019
Holden, Sarah - 2020
Persistent link: https://www.econbiz.de/10012827132
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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
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The Role of IRAs in US Households’ Saving for Retirement, 2021
Holden, Sarah; Schrass, Daniel - 2022
2020. Other research finds that confusion over rules or satisfying savings needs at work may explain lack of contributions …
Persistent link: https://www.econbiz.de/10013297447
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The Role of IRAs in U.S. Households’ Saving for Retirement, 2015
Holden, Sarah - 2019
Persistent link: https://www.econbiz.de/10012902920
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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
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Do tax subsidies for retirement saving impact total private saving? : new evidence on middle-income workers
Christensen, Camilla Skovbo; Ellegaard, Bastian Emil - 2022 - Version: November 1, 2022
We exploit exogenous variation from a pension reform in Denmark to estimate the effect of tax subsidies on total private saving. We present new evidence on individuals in the middle of the income distribution and show that a reduction in tax subsidies for retirement saving reduces total private...
Persistent link: https://www.econbiz.de/10013375227
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Smaller than We Thought? The Effect of Automatic Savings Policies
Choi, James J.; Laibson, David I.; Cammarota, Jordan; … - National Bureau of Economic Research - 2024
Medium- and long-run dynamics undermine the effect of automatic enrollment and default savings-rate auto-escalation on … retirement savings. Our analysis of nine 401(k) plans incorporates the facts that employees frequently leave firms (often before …
Persistent link: https://www.econbiz.de/10015056154
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Pensions, household saving, and welfare : a dynamic analysis
Blau, David - 2011
Empirical analyses of the effects of public and private pensions on household saving impose strong assumptions in order … household wealth is crowded out by pensions? (2) Can linear regression analysis accurately estimate the magnitude of crowdout … results indicate that private pensions in the US crowd out less than $0.15 of household saving per dollar of pension wealth …
Persistent link: https://www.econbiz.de/10009233017
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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
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The Impact of Employer Defaults and Match Rates on Retirement Saving
Blanchett, David; Finke, Michael S.; Liu, Zhikun - 2021
This study evaluates the interaction between employer match and default rates on savings outcomes among new employees …. Selecting a higher default rate has the largest impact on employee savings rates. Plans with low default rates that match a high … percentage of employee earnings induce higher-income participants to actively move away from the low default savings rate …
Persistent link: https://www.econbiz.de/10013309952