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来源类型Working Paper
规范类型报告
DOI10.3386/w18907
来源IDWorking Paper 18907
Financial Education and Choice in State Public Pension Systems
Julie Agnew; Joshua Hurwitz
发表日期2013-03-21
出版年2013
语种英语
摘要As more and more public pension systems are shifting away from a defined benefit only framework, the complexity of the financial decisions facing public employees is increasing. This raises some concerns about the financial literacy of participants and their ability to make informed decisions. While surveys addressing financial education in private plans are available, little is known about what types of education and advice are offered in public plans. This paper fills this gap by presenting new results from the first National Public Pension Plan Financial Education Survey. The paper focuses specifically on primary defined contribution and hybrid plans. The results indicate that some form of education or advice is offered by every surveyed plan and that the sponsoring entity is actively involved in the development of the programs. However, it appears that legal uncertainties related to advice and education may be a problem for a few plans. In addition, more rigorous evaluation methods to test programs are needed. The paper concludes with suggestions for areas of future research.
主题Microeconomics ; Households and Firms ; Financial Economics ; Portfolio Selection and Asset Pricing ; Subnational Fiscal Issues ; Labor Economics ; Labor Supply and Demand
URLhttps://www.nber.org/papers/w18907
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/576582
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Julie Agnew,Joshua Hurwitz. Financial Education and Choice in State Public Pension Systems. 2013.
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