The Importance of Default Options for Retirement Savings Outcomes: Evidence from the United States

The Importance of Default Options for Retirement Savings Outcomes: Evidence from the United States
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默认选项对退休储蓄结果的重要性：来自美国的证据

DOI：
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发表时间：
2006
期刊：
影响因子：
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通讯作者：
B. Madrian
B. Madrian
中科院分区：
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文献类型：
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作者：
J. Beshears;J. Beshears;James J. Choi;James J. Choi;David Laibson;David Laibson;B. Madrian;B. Madrian

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本文总结了违约如何影响退休储蓄结果的经验证据。在概述了美国各种退休收入来源的显著特点后，本文提出了关于违约如何影响储蓄生命周期各个阶段的退休储蓄结果的经验证据，包括储蓄计划参与、储蓄率、资产配置和退休后储蓄分配。然后，本文讨论了为什么违约对储蓄结果产生如此巨大的影响。本文最后讨论了公共政策对退休储蓄的作用时，违约问题。
This paper summarizes the empirical evidence on how defaults impact retirement savings outcomes. After outlining the salient features of the various sources of retirement income in the U.S., the paper presents the empirical evidence on how defaults impact retirement savings outcomes at all stages of the savings lifecycle, including savings plan participation, savings rates, asset allocation, and post-retirement savings distributions. The paper then discusses why defaults have such a tremendous impact on savings outcomes. The paper concludes with a discussion of the role of public policy towards retirement saving when defaults matter.