Essays On Pensions And Savings
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Essays On Pensions And Savings
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Author :
language : en
Publisher:
Release Date : 2015
Essays On Pensions And Savings written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
Essays On The Determinants Of Pension Savings And Retirement Management Decisions
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Author : Gabriel de Atocha Lara-Ibarra
language : en
Publisher:
Release Date : 2011
Essays On The Determinants Of Pension Savings And Retirement Management Decisions written by Gabriel de Atocha Lara-Ibarra and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with categories.
Essays On Social Security Reform And Savings
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Author : Carlos Serrano
language : en
Publisher:
Release Date : 1998
Essays On Social Security Reform And Savings written by Carlos Serrano and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Old age pensions categories.
Essays On Private Pensions And Workers Savings Behavior
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Author : Nadezhda Karamcheva
language : en
Publisher:
Release Date : 2010
Essays On Private Pensions And Workers Savings Behavior written by Nadezhda Karamcheva and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with categories.
Essays On Pensions And Saving In The Uk
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Author : Anastasiya Oleksiyenko
language : en
Publisher:
Release Date : 2023
Essays On Pensions And Saving In The Uk written by Anastasiya Oleksiyenko and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023 with categories.
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Three Essays On The Behavioural Economics Of Saving For Retirement
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Author : Derek Robert James Messacar
language : en
Publisher:
Release Date : 2016
Three Essays On The Behavioural Economics Of Saving For Retirement written by Derek Robert James Messacar and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
This thesis comprises three chapters that investigate, from a behavioural economics perspective, how individuals prepare financially for retirement. In Chapter 1, I investigate whether a savings 'nudge' is a viable mechanism to help people overcome knowledge barriers associated with saving for retirement. Using administrative tax records from Canada, I begin by estimating whether a nudge in workplace pensions increases net savings or induces workers to reduce contributions in other accounts. I find that a $1 increase in employer contributions crowds out other savings by $0.50. Hence, a nudge raises savings on average but many workers actively respond to it, which leads me to consider underlying heterogeneity in more detail. Specifically, I examine the effects of education on savings adjustments to a nudge and savings behaviour, using compulsory schooling reforms for identification. I find that workers with low education save inadequately for retirement on their own but benefit from a nudge by remaining passive, whereas those with high education are forward-looking and respond to the distortion by re-optimizing savings across accounts. These results indicate that a nudge likely increases consumer welfare in practice. In Chapter 2, I analyze the welfare implications of savings nudges when agents face subjective uncertainty about how to prepare adequately for retirement, but can mitigate this risk through endogenous information acquisition. I show that whether an optimal nudge increases or decreases individuals' savings levels depends on whether they initially under- or over-save due to their subjective uncertainty. Moreover, policies targeting human capital formation are a viable substitute for nudging, a result that policy-makers should consider when deciding on socially efficient programs for encouraging individuals to save. In Chapter 3, I examine the effect of withholding taxes on pre-retirement withdrawals from retirement savings account. Specifically, I estimate the elasticity of withdrawals to the net-of-withholding tax rate to be 1.5 for prime-aged savers. This finding suggests withholding taxes discourage pre-retirement withdrawals, serving as a de facto savings commitment device. Hence, individuals sometimes struggle to save adequately for retirement for reasons that are not well-explained by rational agency. I show that theories of present-biased preferences provide a better explanation.
Essays On Retirement Education And Private Pensions
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Author : Leslie Ann Muller
language : en
Publisher:
Release Date : 2000
Essays On Retirement Education And Private Pensions written by Leslie Ann Muller and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Individual retirement accounts categories.
Essays On Saving Bequests Altruism And Life Cycle Planning
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Author : Laurence J. Kotlikoff
language : en
Publisher: MIT Press
Release Date : 2001-06-22
Essays On Saving Bequests Altruism And Life Cycle Planning written by Laurence J. Kotlikoff and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-06-22 with Business & Economics categories.
This collection of essays, coauthored with other distinguished economists, offers new perspectives on saving, intergenerational economic ties, retirement planning, and the distribution of wealth. The book links life-cycle microeconomic behavior to important macroeconomic outcomes, including the roughly 50 percent postwar decline in America's rate of saving and its increasing wealth inequality. The book traces these outcomes to the government's five-decade-long policy of transferring, in the form of annuities, ever larger sums from young savers to old spenders. The book presents new theoretical and empirical analyses of altruism that rule out the possibility that private intergenerational transfers have offset those by the government.While rational life-cycle behavior can explain broad economic outcomes, the book also shows that a significant minority of households fail to make coherent life-cycle saving and insurance decisions. These mistakes are compounded by reliance on conventional financial planning tools, which the book compares with Economic Security Planner (ESPlanner), a new life-cycle financial planning software program. The application of ESPlanner to U.S. data indicates that most Americans approaching retirement age are saving at much lower rates than they should be, given potential major cuts in Social Security benefits.
Three Essays On Retirement And Savings Behaviour
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Author : Bernardo F. Nunes
language : en
Publisher:
Release Date : 2016
Three Essays On Retirement And Savings Behaviour written by Bernardo F. Nunes and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Essays On Retirement Savings Taxation And Skill Formation
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Author : Esteban García-Miralles
language : en
Publisher:
Release Date : 2021
Essays On Retirement Savings Taxation And Skill Formation written by Esteban García-Miralles and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with categories.
This PhD dissertation consists of four self-contained chapters. The first two chapters study how the design of public pension systems affect individuals' behavior. The first chapter studies how pension eligibility ages impact the retirement behavior of couples. The second chapter explores how public pension provision impacts private savings. The third chapter of this dissertation studies how optimal inheritance taxation depends on the social welfare function assumed and on the underlying individual heterogeneity. Finally, the fourth chapter explores human capital formation by estimating the causal effect of parental shocks on their children's non-cognitive skills.