Optimal Savings for Retirement : The Role of Individual Accounts

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LE BLANC, Julia, Almuth SCHOLL, 2015. Optimal Savings for Retirement : The Role of Individual Accounts

@techreport{Le Blanc2015Optim-32696, series={Working Paper Series / Department of Economics}, title={Optimal Savings for Retirement : The Role of Individual Accounts}, year={2015}, number={2015-10}, author={Le Blanc, Julia and Scholl, Almuth} }

<rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:bibo="http://purl.org/ontology/bibo/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:dcterms="http://purl.org/dc/terms/" xmlns:xsd="http://www.w3.org/2001/XMLSchema#" > <rdf:Description rdf:about="https://kops.uni-konstanz.de/rdf/resource/123456789/32696"> <dc:contributor>Le Blanc, Julia</dc:contributor> <dcterms:rights rdf:resource="http://nbn-resolving.de/urn:nbn:de:bsz:352-20150914100631302-4485392-8"/> <dcterms:abstract xml:lang="eng">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 across all income groups but gains are lower for low income earners. Default investment rules in individual accounts have a modest impact on welfare.</dcterms:abstract> <dcterms:issued>2015</dcterms:issued> <dc:creator>Le Blanc, Julia</dc:creator> <dc:contributor>Scholl, Almuth</dc:contributor> <dc:date rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2016-01-25T13:44:57Z</dc:date> <bibo:uri rdf:resource="https://kops.uni-konstanz.de/handle/123456789/32696"/> <dcterms:available rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2016-01-25T13:44:57Z</dcterms:available> <dcterms:title>Optimal Savings for Retirement : The Role of Individual Accounts</dcterms:title> <dc:language>eng</dc:language> <dc:creator>Scholl, Almuth</dc:creator> </rdf:Description> </rdf:RDF>

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