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The IRA Investor Profile : Roth IRA Investors’ Activity, 2007–2014

Holden, Sarah - 2017

This report analyzes data on a group of consistent Roth IRA investors — those holding accounts with the same financial services provider at the end of each year from 2007 through 2014 — drawn from The IRA Investor Database to gain insight into how Roth IRA investors fared during and after...

Persistent link: https://www.econbiz.de/10012968525

The IRA Investor Profile : Traditional IRA Investors’ Activity, 2007-2014

Holden, Sarah - 2016

Using data from year-end 2007 through year-end 2014, this report analyzes data on traditional IRA investors drawn from The IRA Investor Database to gain insight into how traditional IRA investors fared during and after the financial crisis. After setting the scene in terms of financial...

Persistent link: https://www.econbiz.de/10012983553

The IRA Investor Profile : Traditional IRA Investors’ Activity, 2007–2016

Holden, Sarah - 2019

Using data from year-end 2007 through year-end 2016, this report analyzes data on traditional IRA investors drawn from The IRA Investor Database to gain insight into how traditional IRA investors fared during and after the financial crisis. After setting the scene in terms of financial...

Persistent link: https://www.econbiz.de/10012895222

The IRA Investor Profile : Roth IRA Investors’ Activity, 2007–2016

Holden, Sarah - 2019

This report analyzes data on a group of consistent Roth IRA investors — those holding accounts with the same financial services provider at the end of each year from 2007 through 2016 — drawn from The IRA Investor Database to gain insight into how Roth IRA investors fared during and after...

Persistent link: https://www.econbiz.de/10012895225

Defined Contribution Pension Plans : Sticky or Discerning Money?

Sialm, Clemens - 2015

Participants in defined contribution (DC) retirement plans rarely adjust their portfolio allocations, suggesting that their investment choices and consequent money flows are sticky and not discerning. However, participants' inertia could be offset by DC plan sponsors, who adjust the plan's...

Persistent link: https://www.econbiz.de/10013036788

Target-Driven Investing : Optimal Investment Strategies in Defined Contribution Pension Plans Under Loss Aversion

Blake, David P. - 2016

Assuming the loss aversion framework of Tversky and Kahneman (1992), stochastic investment and labour income processes, and a path-dependent fund target, we show that the optimal investment strategy for defined contribution pension plan members is a target-driven ‘threshold' strategy, whereby...

Persistent link: https://www.econbiz.de/10012997284

Simplifying choices in defined contribution retirement plan design : a case study

Mitchell, Olivia S.; Keim, Donald B. - 2017

rates and expense ratios, and we estimate this could lead to aggregate savings for these participants over a 20-year period …

Persistent link: https://www.econbiz.de/10011721902

Financial literacy and suboptimal financial decisions at older ages

Fong, Joelle H.; Koh, Benedict SK.; Mitchell, Olivia S.; … - 2019

Over the life-cycle, wealth holdings tend to be highest in the early part of retirement. The quality of financial decisions among older adults is therefore an important determinant of their financial security during the asset drawdown phase. This paper assesses how financial literacy shapes...

Persistent link: https://www.econbiz.de/10012113846

Financial Advice and Retirement Savings

Hoechle, Daniel; Ruenzi, Stefan; Schaub, Nic; Schmid, Markus - 2023

savings. We document that retirement-related financial advice is associated with an increase in tax-exempt retirement accounts …

Persistent link: https://www.econbiz.de/10014254868

Individual Investor Portfolio Performance in Retirement Savings Accounts

Gan, Su (Sally) - 2013

We analyse the investment performance of a large sample of individuals investing in discretionary retirement savings … reflecting the consequence of their trading behaviours and effectiveness in accumulating retirement savings. It is of particular … interest to policy makers given the tax concessions that retirement savings attract in the expectation that successfully …

Persistent link: https://www.econbiz.de/10013082791