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For Better or for Worse: Default Effects and 401(k) Savings Behavior

James J. Choi, David Laibson, Brigitte C. Madrian, and Andrew Metrick

in Perspectives on the Economics of Aging

Published in print:
2004
Published Online:
February 2013
ISBN:
9780226903057
eISBN:
9780226903286
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226903286.003.0003
Subject:
Economics and Finance, Behavioural Economics

Under automatic enrollment (also called negative election), employees are automatically enrolled in their company's 401(k) plan unless the employees elect to opt out of the plan. This contrasts with ... More


Motivating Retirement Planning: Problems and Solutions

Gary W. Selnow

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:
10.1093/0199273391.003.0002
Subject:
Economics and Finance, Financial Economics

This chapter focuses on the challenges faced by retirement saving advocates in encouraging the labour force to save for their retirement. It discusses the uniqueness of retirement savings issues 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


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


State-sponsored Retirement Savings Plans: New Approaches to Boost Retirement Plan Coverage

William G. Gale and David C. John

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/9780198827443.003.0011
Subject:
Business and Management, Pensions and Pension Management

Our chapter evaluates models and features used in emerging state-sponsored retirement saving plans such as Auto IRAs, open multiple employer plans, and marketplaces. These, we show, have enormous ... 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


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