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The Importance of Default Options for Retirement Saving Outcomes: Evidence from the USA *

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

in Lessons from Pension Reform in the Americas

Published in print:
2007
Published Online:
January 2008
ISBN:
9780199226801
eISBN:
9780191710285
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199226801.003.0004
Subject:
Business and Management, Pensions and Pension Management

If transaction costs are small, standard economic theory would suggest that defaults have little impact on economic outcomes. Agents with well-defined preferences will opt out of any default that ... More


“Money Attitudes” and Retirement Plan Design: One Size Does Not Fit All

Donna M. MacFarland, Carolyn D. Marconi, and Stephen P. Utkus

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:
10.1093/0199273391.003.0006
Subject:
Economics and Finance, Financial Economics

The chapter examines how workers’ attitudes about money and retirement planning influence their participation in defined contribution (DC) pension plans. Workers were grouped into five “money ... More


Tax Policy and Retirement Savings

John N. Friedman

in The Economics of Tax Policy

Published in print:
2017
Published Online:
March 2017
ISBN:
9780190619725
eISBN:
9780190619756
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780190619725.003.0018
Subject:
Economics and Finance, Public and Welfare

Governments around the world spend hundreds of billions of dollars subsidizing retirement savings through various tax preferences. This chapter reviews the economics literature on retirement savings, ... 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


The Role of Mutual Funds in Retirement and Education Savings

Sarah A. Holden

in Mutual Funds and Exchange-Traded Funds: Building Blocks to Wealth

Published in print:
2015
Published Online:
November 2015
ISBN:
9780190207434
eISBN:
9780190207465
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780190207434.003.0003
Subject:
Economics and Finance, Financial Economics

This chapter explores the role of mutual funds in U.S. households’ retirement and education savings. Nearly three-quarters of mutual fund-owning households in mid-2013 showed that saving for ... More


Bigger and Better: Redesigning Our Retirement System in the Wake of the Financial Collapse

Alicia H. Munnell

in Shared Responsibility, Shared Risk: Government, Markets and Social Policy in the Twenty-First Century

Published in print:
2012
Published Online:
February 2015
ISBN:
9780199781911
eISBN:
9780190252519
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199781911.003.0011
Subject:
Political Science, American Politics

This chapter outlines ways of building a bigger and better retirement income system in the United States. It first traces the evolution of today's retirement programs, focusing on Social Security and ... More


Investing over the Life Cycle

Andrew Ang

in Asset Management: A Systematic Approach to Factor Investing

Published in print:
2014
Published Online:
August 2014
ISBN:
9780199959327
eISBN:
9780199382323
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199959327.003.0005
Subject:
Economics and Finance, Financial Economics

Labor income is an asset, and for young investors the value of labor income usually dominates the rest of their financial holdings. An investor’s mix of assets changes as her labor income evolves ... More


We’ve Killed the Goose, Let’s Gild the Eggs

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/9780199890958.003.0023
Subject:
Economics and Finance, Microeconomics

This chapter examines concerns about what workers do with their participant-directed retirement savings plans. While recent restructuring has made defined contribution plans considerably more ... More


How Big Is the Problem?

Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth

in Falling Short: The Coming Retirement Crisis and What to Do About It

Published in print:
2014
Published Online:
December 2014
ISBN:
9780190218898
eISBN:
9780190218928
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780190218898.003.0003
Subject:
Economics and Finance, Public and Welfare

This chapter explores the specific causes and size of America’s worsening retirement problem. It first sets out a goal for households: to save enough to maintain their pre-retirement standard of ... More


What Can We Do as Individuals?

Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth

in Falling Short: The Coming Retirement Crisis and What to Do About It

Published in print:
2014
Published Online:
December 2014
ISBN:
9780190218898
eISBN:
9780190218928
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780190218898.003.0004
Subject:
Economics and Finance, Public and Welfare

This chapter discusses steps that individuals can take to improve their retirement prospects, namely working longer and saving more. Working longer increases monthly Social Security benefits, allows ... More


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