Using fresh starts to nudge increased retirement savings

被引：21

作者：

Beshears, John ^{[1
]}

Dai, Hengchen ^{[2
]}

Milkman, Katherine L. ^{[3
]}

Benartzi, Shlomo ^{[4
]}

机构：

[1] Harvard Sch Business, Negotiat Org & Markets, Boston, MA USA

[2] UCLA Anderson Sch Management, Management & Org, Los Angeles, CA USA

[3] Univ Penn, Wharton Sch, Operat Informat & Decis, Philadelphia, PA 19104 USA

[4] UCLA Anderson Sch Management, Behav Decis Making, Los Angeles, CA USA

来源：

ORGANIZATIONAL BEHAVIOR AND HUMAN DECISION PROCESSES | 2021年 / 167卷

关键词：

Choice architecture; Nudge; Randomized field experiment; Fresh start; Savings; TEMPORAL LANDMARKS; TIME; INITIATION; MODEL; DESIRABILITY; INTENTIONS; MOTIVATION; DECISIONS; SELECTION; BEHAVIOR;

D O I：

10.1016/j.obhdp.2021.06.005

中图分类号：

B849 [应用心理学];

学科分类号：

040203 ;

摘要：

We conducted a field experiment to study the effect of framing future moments in time as new beginnings (or "fresh starts"). University employees (N = 6,082) received mailings with an opportunity to choose between increasing their contributions to a savings plan immediately or at a specified future time point. Framing the future time point in relation to a fresh start date (e.g., the recipient's birthday, the first day of spring) increased the likelihood that the mailing recipient chose to increase contributions at that future time point without decreasing their likelihood of increasing contributions immediately. Overall, fresh start framing increased retirement plan contributions in the eight months following the mailing. Our findings represent the first experimental demonstration of the benefits of fresh start framing in a consequential field setting.

引用

页码：72 / 87

页数：16

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