disproportionately low savings of individuals on low incomes and non-fungibility between public and private pension wealth. The model is … applied to study welfare and savings implications of automatic enrolment into private pensions. The default option effect on … default scheme. Nevertheless, the impact of automatic enrolment on total savings is ambiguous in general, because in addition …

Using microeconomic data on 2,500 savers of the savings bank Ludwigsburg, we study individual savings behavior in 19th … interest rate) by increasing their savings, suggesting that they pursued a real saving target that could only be defended by … saving more when investment conditions became adverse. Workers' savings behavior changed over time. For a long time, poorer …

different points in time. Liquidity constraints seem to play a key role, and we couple the crowding-out effect with an increased …

male-to-female ratio in the pre-marital cohort explains 60 percent of the rise of China's aggregate household savings rate … calibration, we find that with the option to postpone marriage, the response of the aggregate savings rate to the rising sex ratio … is dampened by 45 percent. Moreover, the model generates an unusual downward-sloping age-savings rate profile with young …

Analyses of savings rates needed for successful retirement rates (SSRs) typically assume constant real earnings growth …

In a nationally-representative sample, we predict retirement savings using survey-based elicitations of exponential … present over the future, are highly significant and economically meaningful predictors of retirement savings. These … calculations suggest that eliminating EGB and PB would increase retirement savings by approximately 12 percent …

concept" that increased savings contributions from participation in the SMarT program can be offset by other changes to the … household balance sheet (i.e., by reductions in other savings assets and/or by increases in debt liabilities), except in the …