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In aggregate, individual retirement savings are reaching unprecedented levels, totaling about $25 trillion. Yet there is considerable variation in retirement wealth across individuals even after taking into account background characteristics, such as age, income, and education. Because changes in More information...
Audience: Researcher
Type of Resource: Conference Proceedings
Tags: ​Retirement Savings Plan, Savings
Date: 11/17/2015
Automatic enrollment has been widely embraced for raising employee participation in 401(k) plans. However, the empirical evidence is based on data with limitations that, up until now, have prevented researchers from extrapolating the effects of automatic enrollment to the broader population of More information...
Audience: Researcher
Type of Resource: Working paper
Tags: ​Retirement Savings Plan,
Date: 11/17/2015
We propose a model of narrow framing in insurance and test it using data from a new module we designed and fielded in the Health and Retirement Study. We show that respondents subject to narrow framing are substantially less likely to buy long-term care insurance than average. This effect is much More information...
Audience: Researcher
Type of Resource: Working paper
Tags: ​Insurance,
Date: 11/17/2015
Researchers have become increasingly interested in understanding the sources of heterogeneity in individual financial behaviors. In this paper, we examine how the Big Five personality traits are related to measures of young adults’ financial distress. Using data from the National Longitudinal Study More information...
Audience: Researcher
Type of Resource: Journal
Tags: ​Savings,
Date: 11/17/2015
We provide new and robust empirical evidence that procrastinators behave differently than non‐procrastinators for five important retirement‐related financial behaviors. Empirically, we define a procrastinator as an individual who waits until the last day of their health care open enrollment More information...
Audience: Researcher
Type of Resource: Conference Proceedings
Tags: ​Retirement Savings Plan,
Date: 11/17/2015
A report, Opportunities to Improve the Financial Capability and Financial Wellbeing of Postsecondary Students, has been prepared by the Financial Literacy and Education Commission (FLEC) and describes the state of financial education among postsecondary students. The report describes current More information...
Audience: Individual Researcher Teacher Youth
Type of Resource: Report
Tags: ​ Postsecondary Education, Financial Literacy, Financial Capability
Date: 7/22/2015
PISA 2012 is the first large-scale international study to assess the financial literacy, learned in and outside of school, of 15-year-olds nearing the end of compulsory education. It assesses the extent to which students in 18 participating countries and economies have the knowledge and skills that More information...
Audience: Researcher
Type of Resource: Dataset Report
Tags: ​PISA, Financial Literacy, Programme for International Student Assessment, data
Date: 7/22/2014
This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial literacy of their service population. It describes a qualitative field study of librarians’ perceptions of the challenges in offering financial literacy-based More information...
Audience: Researcher
Type of Resource: Working paper
Date: 7/17/2014
This paper uses data from the Health and Retirement Study to explore the mechanism that underlies the robust relation found in the literature between cognitive ability, and in particular numeracy, and wealth, income constant. We have a number of findings. First, the more valuable the pension, the More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
American workers increasingly rely on defined contribution (DC) plans like 401(k) plans and individual retirement accounts (IRA) for retirement income. In this report, GAO examined: (1) the types of fees charged to participants and investments of various DC plans; (2) how DC plan sponsor actions More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012