PSYCHOLOGICAL FACTORS IN ECONOMIC LIFECYCLE DECISIONS

经济生命周期决策中的心理因素

• 批准号: 6740564
• 负责人: DAVID I LAIBSON
• 金额: $ 18.53万
• 依托单位: NATIONAL BUREAU OF ECONOMIC RESEARCH
• 依托单位国家: 美国
• 财政年份: 2004
• 资助国家: 美国
• 起止时间: 2004-01-01 至 2009-03-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/6740564
• 关键词: behavioral /social science research tag; choice; comprehension; decision making; disability insurance; education; expectancy; family structure /dynamics; health economics; human data; income; life cycle; longevity; mathematical model; mental health; meta analysis; occupational psychology; organized financing; physical fitness; psychological values; retirement; social model; social psychology; socioeconomics

Psychological factors play a critical role in lifecycle wealth accumulation. Procrastination and impulsivity undercut wealth accumulation. Bounded rationality and financial illiteracy lead to suboptimal investment decisions. We will study such key psychological factors using a wide range of methods. Our data will include twin studies, household income and wealth surveys, and detailed panel data sets provided by a 401(k) record keeper. We will identify both the psychological factors that influence retirement planning and also identify the prescriptive interventions that can increase the success of lifecycle planning.

心理因素在生命周期财富积累中起着至关重要的作用。拖延和冲动削弱了财富的积累。有限的理性和财务文盲导致了次优的投资决策。我们将使用广泛的方法研究此类关键的心理因素。我们的数据将包括双胞胎研究，家庭收入和财富调查，以及由401（k）记录保存者提供的详细面板数据集。我们将确定影响退休计划的心理因素，并确定可以增加生命周期计划成功的规范干预措施。