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

该项目旨在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和退休时消费不足的令人困惑和有害的趋势。为了实现这一目标，它将设计和实验验证创新的养老金沟通，包括针对常见的误解和偏见的收入预测和目标设定。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-支出之谜的严格解释，以及通过提高财务能力和信心使工人和退休人员受益的养老金基金的强有力的沟通策略。

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.