Who benefits from retirement saving incentives in the US? Evidence on racial gaps in retirement wealth accumulation

T Choukhmane, J Colmenares, C O'Dea, J Rothbaum… - 2023 - deepblue.lib.umich.edu
US employers and the federal government devote more than 1.5% of GDP annually toward
promoting defined contribution retirement saving. We study the distributional and lifetime …

Policies to improve employees' retirement resources

J Cribb, C Emmerson, P Johnson, L O'Brien, D Sturrock - 2024 - econstor.eu
This report discusses how public policy should change to bring about better outcomes in
retirement for employees through their accumulation of private pension wealth. In doing so …

Does Pension Automatic Enrollment Increase Debt? Evidence from a Large-Scale Natural Experiment

J Beshears, M Blakstad, JJ Choi, C Firth, J Gathergood… - 2024 - nber.org
Does automatic enrollment into retirement saving increase household debt? We study the
randomized roll-out of automatic enrollment pensions to~ 160,000 employers in the United …

Does mandatory retirement saving crowd out voluntary retirement saving?

L Friedberg, A Leive, W Cai - Journal of Economic Behavior & Organization, 2024 - Elsevier
We use administrative data from a large public university to study employee responses to
mandatory retirement saving, which represent a policy alternative to nudges. In response to …

Who Benefits from Retirement Saving Incentives in the US? Evidence on Gaps in Retirement Wealth Accumulation by Race and Parental Income

T Choukhmane, J Colmenares, C O'Dea, JL Rothbaum… - 2024 - nber.org
ABSTRACT US employers and the federal government devote over 1.5% of GDP annually
toward promoting defined contribution (DC) retirement saving. Using a new employer …

[PDF][PDF] Plan Design and Participant Behavior in Defined Contribution Retirement Plans: Past, Present, and Future

J Reuter - Pension Research Council 2024 …, 2024 - … .wharton.upenn.edu
This paper provides a state-of-the-art overview of defined contribution retirement plan
design for academics, policy makers, and industry participants. I begin by considering the …