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来源类型Working Paper
规范类型报告
DOI10.3386/w27575
来源IDWorking Paper 27575
How Much to Save? Decision Costs and Retirement Plan Participation
Jacob Goldin; Tatiana Homonoff; Richard W. Patterson; William L. Skimmyhorn
发表日期2020-07-27
出版年2020
语种英语
摘要Deciding how much to save for retirement can be complicated. Drawing on a field experiment conducted with the Department of Defense, we study whether such complexity depresses participation in an employer-sponsored retirement saving plan. We find that simplifying one dimension of the enrollment decision, by highlighting a potential rate at which non-participants might contribute, increases participation in the plan. Similar communications that did not include a highlighted rate yield smaller effects. The results highlight how reducing complexity on the intensive margin of a decision (how much to contribute) can affect extensive margin behavior (whether to contribute at all) in a setting of policy interest.
主题Microeconomics ; Households and Firms ; Financial Economics ; Behavioral Finance
URLhttps://www.nber.org/papers/w27575
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/585247
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Jacob Goldin,Tatiana Homonoff,Richard W. Patterson,et al. How Much to Save? Decision Costs and Retirement Plan Participation. 2020.
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