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Regulating Markets for Retirement Payouts: Solvency, Supervision, and Credibility

Phyllis C. Borzi and Martha Priddy Patterson

in Recalibrating Retirement Spending and Saving

Published in print:
2008
Published Online:
January 2009
ISBN:
9780199549108
eISBN:
9780191720734
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199549108.003.0008
Subject:
Business and Management, Pensions and Pension Management

Soon the largest cohort of workers in history will be eligible to retire: and most will have only their personal saving and a lump-sum benefit from a 401(k) plan to supplement Social Security ... More


Implications of Pension Plan Features, Information, and Social Interactions for Retirement Saving Decisions

Esther Duflo and Emmanuel Saez

in Pension Design and Structure: New Lessons from Behavioral Finance

Published in print:
2004
Published Online:
January 2005
ISBN:
9780199273393
eISBN:
9780191601675
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199273391.003.0008
Subject:
Economics and Finance, Financial Economics

This chapter examines the factors influencing enrolment in 401(k) retirement plans. In one study, a random sample of employees was asked to attend a benefits information fair organised by the ... More


Preretirement Cashouts and Foregone Retirement Saving: Implications for 401(k) Asset Accumulation

James M. Poterba, Steven F. Venti, and David A. Wise (eds)

in Themes in the Economics of Aging

Published in print:
2001
Published Online:
February 2013
ISBN:
9780226902845
eISBN:
9780226903330
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903330.003.0002
Subject:
Economics and Finance, Behavioural Economics

This chapter draws together previous research on withdrawals from retirement saving plans to gauge the importance of such withdrawals on the saving balances of future retirees. The chapter is ... More


How Much Choice is Too Much? Contributions to 401(k) Retirement Plans

Sheena Sethi-Iyengar, Gur Huberman, and Gur Jiang

in Pension Design and Structure: New Lessons from Behavioral Finance

Published in print:
2004
Published Online:
January 2005
ISBN:
9780199273393
eISBN:
9780191601675
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199273391.003.0005
Subject:
Economics and Finance, Financial Economics

The wide range of 401(k) plans offered to employees has raised the question of whether there is such as thing as too much choice. The 401(k) participation rates among clients of the Vanguard Group ... More


The Availability and Utilization of 401(k) Loans

John Beshears, James J. Choi, David Laibson, and Brigitte C. Madrian

in Investigations in the Economics of Aging

Published in print:
2012
Published Online:
September 2013
ISBN:
9780226903132
eISBN:
9780226903163
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903163.003.0005
Subject:
Economics and Finance, Public and Welfare

This chapter, which examines the availability and utilization of 401(k) loans, explains how 401(k) loans work, describes the loan features that plan sponsors offer, and assesses how savings plan ... More


The Rise of 401(k) Plans, Lifetime Earnings, and Wealth at Retirement

James M. Poterba, Steven F. Venti, and David A. Wise

in Research Findings in the Economics of Aging

Published in print:
2010
Published Online:
February 2013
ISBN:
9780226903064
eISBN:
9780226903088
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903088.003.0011
Subject:
Economics and Finance, Behavioural Economics

This chapter looks at how Social Security, 401(k) participation, and other asset accumulation fit together for households with different lifetime earnings and different Social Security wealth ... More


The Revolution in Retirement Plans

Matthew P. Fink

in The Rise of Mutual Funds: An Insider's View

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195336450
eISBN:
9780199868469
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195336450.003.0007
Subject:
Economics and Finance, Macro- and Monetary Economics, Financial Economics

Today it is natural to associate mutual funds with retirement plans since funds are the largest funding medium for 401(k) and other defined contribution plans, as well as for Individual Retirement ... More


Trading in 401(k) Plans during the Financial Crisis

Ning Tang, Olivia S. Mitchell, and Stephen P. Utkus

in Reshaping Retirement Security: Lessons from the Global Financial Crisis

Published in print:
2012
Published Online:
January 2013
ISBN:
9780199660698
eISBN:
9780191745058
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199660698.003.0006
Subject:
Business and Management, Pensions and Pension Management

Most 401(k) participants did not trade much in their retirement accounts during the recent financial crisis. Yet the proportion of plan participants trading did rise by almost a quarter and the mean ... More


The Decline of Defined Benefit Retirement Plans and Asset Flows

Steven F. Venti and David A. Wise

James M. Poterba (ed.)

in Social Security Policy in a Changing Environment

Published in print:
2009
Published Online:
February 2013
ISBN:
9780226076485
eISBN:
9780226076508
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226076508.003.0011
Subject:
Economics and Finance, Public and Welfare

This chapter examines the effect of population aging on the demand for financial assets in retirement saving plans, particularly defined benefit (DB) plans, in the United States. Focusing on DB ... More


And Then, A Predictable Defined Contribution Surprise

Sylvester J. Schieber

in The Predictable Surprise: Unraveling the U.S. Retirement System

Published in print:
2012
Published Online:
April 2015
ISBN:
9780199890958
eISBN:
9780190261382
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199890958.003.0019
Subject:
Economics and Finance, Microeconomics

This chapter examines the implications of the shift from defined benefit plans to defined contribution plans. In 1975, almost 68 percent of the benefits that were paid out of private ... More


The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment

John Beshears, James J. Choi, David Laibson, and Brigitte C. Madrian

in Research Findings in the Economics of Aging

Published in print:
2010
Published Online:
February 2013
ISBN:
9780226903064
eISBN:
9780226903088
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903088.003.0012
Subject:
Economics and Finance, Behavioural Economics

This chapter discusses the continuing series of studies on the structural features of 401(k) plans. Companies have used a variety of approaches to encourage participation in employer sponsored ... More


Red, Yellow, and Green: Measuring the Quality of 401(k) Portfolio Choices

Gary R. Mottola and Stephen P. Utkus (eds)

in Overcoming the Saving Slump: How to Increase the Effectiveness of Financial Education and Saving Programs

Published in print:
2009
Published Online:
February 2013
ISBN:
9780226497099
eISBN:
9780226497105
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226497105.003.0005
Subject:
Economics and Finance, Public and Welfare

This chapter explores the data from over 2,000 defined contribution plans and nearly 2.9 million 401(k) participants, and uses a simple stoplight color scheme—green, yellow, and red—to classify ... More


Updating Other Regulation

Matthew P. Fink

in The Rise of Mutual Funds: An Insider's View

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195336450
eISBN:
9780199868469
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195336450.003.0011
Subject:
Economics and Finance, Macro- and Monetary Economics, Financial Economics

The vast changes in the fund industry during the bull market of 1982-2000 led the industry to seek changes in laws, in addition to the federal securities laws, that impacted the industry. Against all ... More


How Persistent Low Expected Returns Alter Optimal Life Cycle Saving, Investment, and Retirement Behavior

Vanya Horneff, Raimond Maurer, and Olivia S. Mitchell

in How Persistent Low Returns Will Shape Saving and Retirement

Published in print:
2018
Published Online:
October 2018
ISBN:
9780198827443
eISBN:
9780191866296
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780198827443.003.0008
Subject:
Business and Management, Pensions and Pension Management

This chapter explores how an environment of persistent low returns influences saving, investing, and retirement behaviors, compared to what in the past had been conceived of as ‘normal’ financial ... More


The Rise of Mutual Funds: An Insider's View

Matthew P. Fink

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195336450
eISBN:
9780199868469
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195336450.001.0001
Subject:
Economics and Finance, Macro- and Monetary Economics, Financial Economics

The book describes the developments that caused mutual funds to go from a virtually unknown financial product in the 1920s to the largest financial industry in the world today. It covers the ... More


The 1980s: A Decade of Regulatory Schizophrenia

Sylvester J. Schieber

in The Predictable Surprise: Unraveling the U.S. Retirement System

Published in print:
2012
Published Online:
April 2015
ISBN:
9780199890958
eISBN:
9780190261382
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199890958.003.0015
Subject:
Economics and Finance, Microeconomics

This chapter focuses on the regulatory regime for employer-sponsored pension plans. The Employee Retirement Income Security Act (ERISA) was fundamentally about securing pension benefits as workers ... More


Analyses in the Economics of Aging

David A. Wise (ed.)

Published in print:
2005
Published Online:
February 2013
ISBN:
9780226902869
eISBN:
9780226903217
Item type:
book
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903217.001.0001
Subject:
Economics and Finance, Econometrics

This book provides a massive amount of new research on several popular and less-examined topics pertaining to the relationship between economics and aging. Among the many themes explored in this ... More


Retirement USA

Sylvester J. Schieber

in The Predictable Surprise: Unraveling the U.S. Retirement System

Published in print:
2012
Published Online:
April 2015
ISBN:
9780199890958
eISBN:
9780190261382
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199890958.003.0001
Subject:
Economics and Finance, Microeconomics

This book focuses on the impending retirement crisis in the United States, something that has been apparent for decades but never addressed. Since the 1980s, the Social Security trustees have been ... More


Comparing Strategies for Retirement Wealth Management: Mutual Funds and Annuities

Gaobo Pang

in Retirement Income: Risks and Strategies

Published in print:
2011
Published Online:
August 2013
ISBN:
9780262016933
eISBN:
9780262301596
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262016933.003.0005
Subject:
Economics and Finance, Public and Welfare

This chapter compares wealth management strategies for individuals in retirement, focusing on trade-offs regarding wealth creation and income security. Specifically, it compares the following six ... More


Introduction

David A. Wise (ed.)

in Analyses in the Economics of Aging

Published in print:
2005
Published Online:
February 2013
ISBN:
9780226902869
eISBN:
9780226903217
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903217.003.0001
Subject:
Economics and Finance, Econometrics

This introductory chapter discusses the coverage of this volume which is about the economics of aging in the U.S. The chapters in this volume were presented at the National Bureau of Economic ... More


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