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Do tax subsidies for retirement saving impact total private saving? : new evidence on middle-income workers
Christensen, Camilla Skovbo; Ellegaard, Bastian Emil - 2022 - Version: November 1, 2022
We exploit exogenous variation from a pension reform in Denmark to estimate the effect of tax subsidies on total private saving. We present new evidence on individuals in the middle of the income distribution and show that a reduction in tax subsidies for retirement saving reduces total private...
Persistent link: https://www.econbiz.de/10013375227
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Do Tax Subsidies for Retirement Saving Impact Total Private Saving? New Evidence on Middle-income Workers
Christensen, Camilla Skovbo; Ellegaard, Bastian Emil - 2022
We exploit exogenous variation from a pension reform in Denmark to estimate the effect of tax subsidies on total private saving. We present new evidence on individuals in the middle of the income distribution and show that a reduction in tax subsidies for retirement saving reduces total private...
Persistent link: https://www.econbiz.de/10014236722
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Do up-front tax incentives affect private pension saving in the United Kingdom?
Crawford, Rowena; Disney, Richard; Emmerson, Carl - 2012
The paper examines how individuals respond to complex decision-making environments - in particular, whether up-front financial incentives are an effective policy lever to change behaviour. The paper argues that incentives differ in their transparency and in their complexity; individuals are more...
Persistent link: https://www.econbiz.de/10009512166
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Do required minimum distribution 401(k) rules matter, and for whom? : insights from a lifecylce model
Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2021
Tax-qualified vehicles helped U.S. private-sector workers accumulate $25Tr in retirement assets. An often-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD) regulation, requiring retirees to withdraw a minimum...
Persistent link: https://www.econbiz.de/10012668367
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Saving at tax time : do additional retroactive savings opportunities increase retirement savings?
Blaufus, Kay; Milde, Michael; Schaefer, Marcel - 2022
the time of tax filing increases overall retirement savings. Our findings show that introducing the additional savings … opportunity at tax time increases the total savings rate by almost 5 percentage points. This positive effect holds regardless of … whether retirement savings are taxed immediately (back-loaded pension plans) or deferred (front-loaded pension plans) or …
Persistent link: https://www.econbiz.de/10013450601
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Smaller than We Thought? The Effect of Automatic Savings Policies
Choi, James J.; Laibson, David I.; Cammarota, Jordan; … - National Bureau of Economic Research - 2024
Medium- and long-run dynamics undermine the effect of automatic enrollment and default savings-rate auto-escalation on … retirement savings. Our analysis of nine 401(k) plans incorporates the facts that employees frequently leave firms (often before …
Persistent link: https://www.econbiz.de/10015056154
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Saving at Tax Time : Do Additional Retroactive Savings Opportunities Increase Retirement Savings?
Blaufus, Kay; Milde, Michael; Schaefer, Marcel - 2022
the time of tax filing increases overall retirement savings. Our findings show that introducing the additional savings … opportunity at tax time increases the total savings rate by almost 5 percentage points. This positive effect holds regardless of … whether retirement savings are taxed immediately (back-loaded pension plans) or deferred (front-loaded pension plans) or …
Persistent link: https://www.econbiz.de/10014236040
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Personalized digital information and tax-favoured retirement savings: quasi-experimental evidence from administrative data
Daminato, Claudio; Filippini, Massimo; Haufler, Fabio - 2020
fiscal incentives for retirement savings. Exploiting the staggered introduction of the pension app across occupational …
Persistent link: https://www.econbiz.de/10012386898
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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
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Subsidized Private Pension Savings and the Deferred Taxation of Retirement Income : Is the German Riester Scheme Self-Financing?
Bollacke, Steffen - 2018
Closing the gap between pre-retirement income and retirement income without increasing mandatory social security contributions for the working population has become a policy issue for many countries in the last couple of years. In order to incentivize people to save privately for retirement,...
Persistent link: https://www.econbiz.de/10012936407