Introduction to special issue on institutional influences on retirement, health and well-being [0.03%]
关于制度对退休、健康和福祉影响的特刊介绍
David Knapp,Jinkook Lee
David Knapp
Countries make differing policy choices. They can serve as a scientific laboratory for drawing lessons on the policy paths to follow or to avoid and the consequences of those institutional choices on individuals at older ages. In this speci...
Less is not more: 401(k) plan information and retirement planning choices [0.03%]
少不代表多：个人退休账户和退休理财选择
Eric Cardella,Charlene M Kalenkoski,Michael Parent
Eric Cardella
This paper presents the results of a choice experiment that is designed to examine whether changing how plan information is presented affects planned retirement-savings behavior. The main hypothesis is that providing plan information in a m...
Unbanked status and use of alternative financial services among minority populations [0.03%]
少数族裔群体的无银行状态及使用替代性金融服务的情况
Silvia Helena Barcellos,Gema Zamarro
Silvia Helena Barcellos
A large number of Americans do not have bank accounts (the 'unbanked') or rely on costly alternative financial services (AFS) such as payday loans (the 'underbanked'), with implications for wealth accumulation and retirement preparedness. U...
John Giles,Xiaoyan Lei,Gewei Wang et al.
John Giles et al.
This paper documents the patterns and correlates of retirement in China using a nationally representative survey, the China Health and Retirement Longitudinal Study. After documenting stark differences in retirement ages between urban and r...
Emma Aguila,Zeewan Lee,Rebeca Wong
Emma Aguila
Mexico and the United States both face rapid population aging as well as older populations with high poverty rates. Among the most vulnerable populations of retirement age in either nation are Mexican immigrants to the United States. This w...
Raimond Maurer,Olivia S Mitchell
Raimond Maurer
We have designed and implemented an experimental module in the 2014 Health and Retirement Study (HRS) to measure older persons' willingness to defer claiming of Social Security benefits. Under the current system' status quo where delaying c...
Péter Hudomiet,Michael Hurd,Andrew Parker et al.
Péter Hudomiet et al.
Along with data about actual, desired and anticipated job characteristics, this paper uses a novel data element, the subjective conditional probability of working at age 70, to estimate the causal effects of job characteristics on retiremen...
How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors [0.03%]
金融知识和急躁情绪对退休财富和投资行为的影响
Justine Hastings,Olivia S Mitchell
Justine Hastings
Two competing explanations for why consumers have trouble with financial decisions are gaining momentum. One is that people are financially illiterate since they lack understanding of simple economic concepts and cannot carry out computatio...
Annamaria Lusardi,Olivia S Mitchell,Vilsa Curto
Annamaria Lusardi
Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial sophistication in the American population over the age of 50. We combine several financial literacy questions into an overall index to high...
Annamaria Lusardi,Olivia S Mitchell
Annamaria Lusardi
In an increasingly risky and globalized marketplace, people must be able to make well-informed financial decisions. Yet new international research demonstrates that financial illiteracy is widespread when financial markets are well develope...