Optimal Savings for Retirement : The Role of Individual Accounts

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LE BLANC, Julia, Almuth SCHOLL, 2016. Optimal Savings for Retirement : The Role of Individual Accounts. In: Macroeconomic Dynamics. ISSN 1365-1005. eISSN 1469-8056

@article{Le Blanc2016-07-07Optim-36985, title={Optimal Savings for Retirement : The Role of Individual Accounts}, year={2016}, doi={10.1017/S1365100515000899}, issn={1365-1005}, journal={Macroeconomic Dynamics}, 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/123456789/36985"> <dc:creator>Le Blanc, Julia</dc:creator> <bibo:uri rdf:resource="https://kops.uni-konstanz.de/handle/123456789/36985"/> <dc:creator>Scholl, Almuth</dc:creator> <dc:date rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2017-01-30T14:13:12Z</dc:date> <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 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.</dcterms:abstract> <dc:contributor>Le Blanc, Julia</dc:contributor> <dcterms:issued>2016-07-07</dcterms:issued> <dc:language>eng</dc:language> <dcterms:title>Optimal Savings for Retirement : The Role of Individual Accounts</dcterms:title> <dc:contributor>Scholl, Almuth</dc:contributor> <dcterms:available rdf:datatype="http://www.w3.org/2001/XMLSchema#dateTime">2017-01-30T14:13:12Z</dcterms:available> </rdf:Description> </rdf:RDF>

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