| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w28254 |
| 来源ID | Working Paper 28254 |
| Optimal Default Options: The Case for (Weighted) Opt-Out Minimization | |
| B. Douglas Bernheim; Jonas Mueller Gastell | |
| 发表日期 | 2020-12-28 |
| 出版年 | 2020 |
| 语种 | 英语 |
| 摘要 | We examine the problem of setting optimal default options such as passively selected contribution rates in employee-directed pension plans. Existing results suggest that a simple rule of thumb, opt-out minimization, is optimal under special conditions, but this result is fragile, and the literature does not provide a general analytic solution. We demonstrate with considerable generality that weighted opt-out minimization is approximately optimal, and we provide clear mathematical intuition for the robustness of this result. We also identify surprisingly broad conditions under which unweighted opt-out minimization is approximately optimal. We conduct simulations to evaluate the accuracy of the approximation. |
| 主题 | Microeconomics ; Households and Firms |
| URL | https://www.nber.org/papers/w28254 |
| 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/585928 |
| 推荐引用方式 GB/T 7714 | B. Douglas Bernheim,Jonas Mueller Gastell. Optimal Default Options: The Case for (Weighted) Opt-Out Minimization. 2020. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w28254.pdf（539KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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