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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


The Origins of the Ownership Society: How the Defined Contribution Paradigm Changed America

Edward A. Zelinsky

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195339352
eISBN:
9780199855407
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195339352.001.0001
Subject:
Law, Employment Law

President Bush's vision of an “ownership society” continues the process of the last three decades by which the defined contribution paradigm has become the primary framework for retirement savings ... 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


How Did It Happen?

Edward A. Zelinsky

in The Origins of the Ownership Society: How the Defined Contribution Paradigm Changed America

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195339352
eISBN:
9780199855407
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195339352.003.0003
Subject:
Law, Employment Law

How did the defined benefit plan go from the behemoth of the private retirement system to a secondary player in that system? The story starts with the economic and demographic forces which in the ... 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


How Are They Different? The Defined Benefit and Defined Contribution Formats Contrasted As A Matter of Plan Design

Edward A. Zelinsky

in The Origins of the Ownership Society: How the Defined Contribution Paradigm Changed America

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195339352
eISBN:
9780199855407
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195339352.003.0001
Subject:
Law, Employment Law

Traditional defined benefit pensions have four major characteristics as a matter of plan design. First, they provide income on a deferred basis at retirement and not before then. Second, they provide ... More


Who Uses the Roth 401(k), and How Do They Use It?

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

in Discoveries in the Economics of Aging

Published in print:
2014
Published Online:
January 2015
ISBN:
9780226146096
eISBN:
9780226146126
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226146126.003.0013
Subject:
Economics and Finance, Public and Welfare

Using administrative data from twelve companies that added a Roth 401(k) option between 2006 and 2010, we describe the characteristics of Roth contributions. Approximately one year after the Roth is ... 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


What Should We Do?

Edward A. Zelinsky

in The Origins of the Ownership Society: How the Defined Contribution Paradigm Changed America

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195339352
eISBN:
9780199855407
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195339352.003.0007
Subject:
Law, Employment Law

This chapter explores our choices for molding the defined contribution paradigm as it evolves and identifies which of those choices are best. The first and most important imperative for the future is ... More


Why Does It Matter? Allocating Risk and Reward Between Employer and Employee

Edward A. Zelinsky

in The Origins of the Ownership Society: How the Defined Contribution Paradigm Changed America

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195339352
eISBN:
9780199855407
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195339352.003.0002
Subject:
Law, Employment Law

It is useful to divide retirement-related risks into three broad categories: investment risk, funding risk, and longevity risk. Investment risk is the risk that retirement resources will earn an ... More


Why Did It Happen? And Why Social Security Accounts Didn't

Edward A. Zelinsky

in The Origins of the Ownership Society: How the Defined Contribution Paradigm Changed America

Published in print:
2008
Published Online:
January 2009
ISBN:
9780195339352
eISBN:
9780199855407
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195339352.003.0004
Subject:
Law, Employment Law

The causes of the defined contribution paradigm are varied: demographic, statutory, political, economic, cultural. Exploring those causes suggests that the defined contribution paradigm, though not ... 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 Market for Financial Advisers

John A. Turner and Dana M. Muir

in The Market for Retirement Financial Advice

Published in print:
2013
Published Online:
January 2014
ISBN:
9780199683772
eISBN:
9780191763359
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199683772.003.0002
Subject:
Business and Management, Pensions and Pension Management

This chapter discusses the market for financial advisers. Because many people are not financially sophisticated, the quality of financial advice is a retirement policy concern. Financial advisers ... More


401(k)s and Individual Retirement Accounts

William A. Birdthistle

in Empire of the Fund: The Way We Save Now

Published in print:
2016
Published Online:
August 2016
ISBN:
9780199398560
eISBN:
9780199398591
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199398560.003.0011
Subject:
Economics and Finance, Financial Economics

Individual Retirement Accounts and 401(k) plans often come with administrative fees assessed on the accounts of their participants, which will come as a surprise to the 70 percent of plan ... 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


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


Toward the 401(K) Ownership Society

Michael A. McCarthy

in Dismantling Solidarity: Capitalist Politics and American Pensions since the New Deal

Published in print:
2017
Published Online:
September 2017
ISBN:
9780801454226
eISBN:
9781501708206
Item type:
chapter
Publisher:
Cornell University Press
DOI:
10.7591/cornell/9780801454226.003.0005
Subject:
Sociology, Economic Sociology

This chapter explains the rise of defined-contribution plans, such as 401(k)s, after the late 1970s. In the postwar period, policymakers were determined to quiet labor-management conflicts and ... 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


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