Better communication to solve the under-saving, under-spending puzzle.

该项目希望开发以证据为基础的沟通工具，促进终身财务安全，特别是调查人们在工作时储蓄不足、退休时支出不足的令人困惑和有害的倾向。为了实现这一目标，它将设计并实验验证促进退休金沟通的创新措施，包括收入预测和针对常见误解和偏见的目标设定。它将使用新的结构建模技术来衡量福利变化。预期的结果是对储蓄-支出难题的严谨解释，以及对退休基金强有力的沟通策略，这些策略将通过提高财务能力和信心，使工人和退休人员受益。

This project expects to develop evidence-based communication tools that promote life-time financial security, specifically investigating the puzzling and harmful tendency of people to under-save while working and under-spend while retired. To achieve this goal, it will design and experimentally validate innovative boosts to superannuation communication including income projections and goal-setting targeted at common misconceptions and biases. It will use new structural modelling techniques to measure welfare changes. The expected outcomes are rigorous explanations for the saving-spending puzzle, and robust communication strategies for superannuation funds that will benefit workers and retirees by raising financial capability and confidence.