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The effectiveness of tax incentives to encourage private savings

Fadejeva, Ludmila; Tkacevs, Olegs - In: Baltic journal of economics 22 (2022) 2, pp. 110-125

This study examines the impact of tax incentives for long-term savings on total private savings using data for Latvia … contained in HFCS 2014 and 2017. The survey shows that contributions to tax-favoured savings plans are not associated with lower … consumer spending and therefore do not contribute to an increase in private savings. Instead, these savings are achieved by …

Persistent link: https://www.econbiz.de/10014319310

The effects of the introduction of tax incentives on retirement saving

Ayuso, Juan; Jimeno, Juan F.; Villanueva, Ernesto - In: SERIEs : Journal of the Spanish Economic Association 10 (2019) 3/4, pp. 211-249

We examine the incidence on household consumption of the introduction of tax incentives to retirement saving. First, using data from a panel of tax returns we document that most contributions to pension funds are by older/high-income individuals. Then we use panel data from a consumption survey...

Persistent link: https://www.econbiz.de/10012179180

Is knowledge really power and ignorance bliss? : a study of financial and pension ignorance

Olechnowicz-Szewczyk, Agata; Babula, Elżbieta - In: Journal of banking and financial economics 23 (2025) 1, pp. 58-69

process for long-term savings. We define the concept of pension ignorance, as active avoidance of retirement information …, failure to make decisions regarding retirement savings, and a lack of strategic retirement planning. To assess financial …

Persistent link: https://www.econbiz.de/10015414175

Mental time travel and retirement savings

Blake, David; Pickles, John - In: Journal of risk and financial management : JRFM 14 (2021) 12, pp. 1-13

We portray the valuation of retirement savings in terms of a mental time travel journey in which a proposed … retirement savings and hence to a lower than desired standard of living in retirement. We consider how the two biases might be …

Persistent link: https://www.econbiz.de/10012798695

Improving on defaults : helping pension participants manage financial market risk in target date funds

Turner, John A.; Klein, Bruce W. - In: Risks : open access journal 9 (2021) 4, pp. 1-14

The central issue of this paper is analysis and resulting proposals to help unsophisticated pension participants achieve pension portfolios that match their level of risk aversion when there is a large amount of unexplained heterogeneity in risk aversion. Target date funds are commonly used as...

Persistent link: https://www.econbiz.de/10012508770

Individual pension products offered by banks in Poland : a multidimensional comparative analysis

Rutecka-Góra, Joanna - In: Financial internet quarterly 17 (2021) 4, pp. 91-104

The supplementary old-age pension system in Poland consists of group and individual plans. This research covers the latter, namely the individual retirement accounts and individual retirement saving accounts that were introduced in 2004 and 2012 respectively. The main aim of the paper is to...

Persistent link: https://www.econbiz.de/10012990367

A cross-country comparison of old-age financial readiness in Asian countries versus the United States : the case of Japan and the Republic of Korea

Ehrlich, Isaac; Yin, Yong - In: Asian development review : studies of Asian and pacific … 39 (2022) 1, pp. 5-50

We pursue a cross-country comparison of relative financial readiness of older households in Japan and the Republic of Korea relative to the United States. Our comparative analysis, using macro-level and harmonized longitudinal household financial data, covers the principal financial channels of...

Persistent link: https://www.econbiz.de/10013329395

Pension data in European national accounts: ESA 2010 Table 29

Gregorini, Filipo - In: Eurostat review on national accounts and macroeconomic … (2020), pp. 77-98

The need for statistics on pensions is increasing as populations age and the choice of available pension schemes widens in many European Union (EU) Member States. As a response to this need, statistical authorities in the EU have been compiling a snapshot of future pensions (accrued...

Persistent link: https://www.econbiz.de/10012429656

Wealth, consumption, and savings patterns in retirement : a challenge to the life-cycle hypothesis

Krupová, Patrícia - In: Ekonomické rozhl'ady 53 (2024) 3, pp. 176-195

This paper investigates the wealth, consumption, and savings behavior of elderly individuals through the lens of the …, and savings during retirement age. According to our results, there is a consistent decrease in all examined variables with …

Persistent link: https://www.econbiz.de/10015418570

Pension pessimism in the young generation: basics or instincts to blame?

Kovács, Erzsébet; Vaskövi, Ágnes - In: Business systems research : a system view accross … 11 (2020) 2, pp. 117-131

Background: The area of pension expectations in Hungary is barely researched. However, the importance of adequate financial literacy and self-provision is becoming obvious at the economic, the decision-making, and the individual level. Objectives: Our research is conducted to investigate state...

Persistent link: https://www.econbiz.de/10012405645