| 来源类型 | Working Paper
|
| 规范类型 | 报告
|
| DOI | 10.3386/w9505
|
| 来源ID | Working Paper 9505
|
| Education Saving Incentives and Household Saving: Evidence from the 2000 TIAA-CREF Survey of Participant Finances |
| Jennifer Ma
|
| 发表日期 | 2003-02-17
|
| 出版年 | 2003
|
| 语种 | 英语
|
| 摘要 | This paper examines the effects of education saving incentives on the level of private saving by households. Little is known about this subject. One explanation for this gap in the literature is that because education saving incentives are relatively new, data on education saving are not readily available. Using wealth data from a survey of TIAA-CREF participants, this paper attempts to estimate whether saving in education saving programs offsets other household saving. As in the extant literature of the impact of retirement saving programs on household saving, an empirical challenge is how to deal with the issue of saver heterogeneity. In this paper, two strategies are used to address this issue. The first strategy distinguishes savers from non-savers by whether households have an IRA or a supplemental pension plan. The second strategy uses the propensity score approach to control for unobserved heterogeneity in taste for saving. Results from both strategies suggest that education saving incentives in general do not offset other household saving and stimulate saving for households with high propensities to use education savings accounts. |
| 主题 | Health, Education, and Welfare
; Education
; Public Economics
; Taxation
|
| URL | https://www.nber.org/papers/w9505
|
| 来源智库 | National Bureau of Economic Research (United States)
|
| 引用统计 |
|
| 资源类型 | 智库出版物
|
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/567124
|
推荐引用方式
GB/T 7714 |
Jennifer Ma. Education Saving Incentives and Household Saving: Evidence from the 2000 TIAA-CREF Survey of Participant Finances. 2003.
|
|
文件名：
|
w9505.pdf
|
|
格式：
|
Adobe PDF
|
此文件暂不支持浏览
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
