Simplification and saving

被引：71

作者：

Beshears, John ^{[1
]}

Choi, James J. ^{[2
]}

Laibson, David ^{[3
]}

Madrian, Brigitte C. ^{[4
,5
]}

机构：

[1] Stanford Grad Sch Business, Stanford, CA 94305 USA

[2] Yale Univ, Sch Management, New Haven, CT 06520 USA

[3] Harvard Univ, Dept Econ, Cambridge, MA 02138 USA

[4] Harvard Univ, John F Kennedy Sch Govt, Cambridge, MA 02138 USA

[5] Natl Bur Econ Res, Cambridge, MA 02138 USA

来源：

JOURNAL OF ECONOMIC BEHAVIOR & ORGANIZATION | 2013年 / 95卷

关键词：

Retirement savings; Simplification; Procrastination; Behavioral economics;

D O I：

10.1016/j.jebo.2012.03.007

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

The daunting complexity of important financial decisions can lead to procrastination. We evaluate a low-cost intervention that substantially simplifies the retirement savings plan participation decision. Individuals received an opportunity to enroll in a retirement savings plan at a pre-selected contribution rate and asset allocation, allowing them to collapse a multidimensional problem into a binary choice between the status quo and the pre-selected alternative. The intervention increases plan enrollment rates by 10-20 percentage points. We find that a similar intervention can be used to increase contribution rates among employees who are already participating in a savings plan. (C) 2012 Elsevier B.V. All rights reserved.

引用

页码：130 / 145

页数：16

共 12 条

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[Anonymous], 2009, 15361 NBER

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