Publikation: Optimal Savings for Retirement : The Role of Individual Accounts
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2017
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Le Blanc, Julia
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Macroeconomic Dynamics. 2017, 21(06), pp. 1361-1388. ISSN 1365-1005. eISSN 1469-8056. Available under: doi: 10.1017/S1365100515000899
Zusammenfassung
We employ a life-cycle model with income risk to analyze how tax-deferred individual accounts affect households' savings for retirement. We consider voluntary accounts as opposed to mandatory accounts with minimum contribution rates. We contrast add-on accounts with carve-out accounts that partly replace social security contributions. Quantitative results suggest that making add-on accounts mandatory has adverse welfare effects across income groups. Carve-out accounts generate positive welfare effects across all income groups, but gains are lower for low income earners. Default investment rules in individual accounts have a modest impact on welfare.
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Fachgebiet (DDC)
330 Wirtschaft
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LE BLANC, Julia, Almuth SCHOLL, 2017. Optimal Savings for Retirement : The Role of Individual Accounts. In: Macroeconomic Dynamics. 2017, 21(06), pp. 1361-1388. ISSN 1365-1005. eISSN 1469-8056. Available under: doi: 10.1017/S1365100515000899BibTex
@article{LeBlanc2017-09Optim-36985,
year={2017},
doi={10.1017/S1365100515000899},
title={Optimal Savings for Retirement : The Role of Individual Accounts},
number={06},
volume={21},
issn={1365-1005},
journal={Macroeconomic Dynamics},
pages={1361--1388},
author={Le Blanc, Julia and Scholl, Almuth}
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