Topic: Savings
Save, Save, Save, but Then What? Financial Structure and Spending in Retirement
Innumerable nudges help savings accumulation; now researchers turn to decumulation
Are Americans Really Annuity-Averse? Clear Thinking on Retirement Income
A monthly check, not just a pile of cash: Studies demystify the instruments too few are using
Thinking Small Could Deliver Bigger Retirement Success for Gig Workers
Daily, weekly and monthly contribution schemes gauge behavior
Behind the Annuity Conundrum: The Belief They’re Unfair
Researchers find little commonality among haters of the difficult-to-sell retirement products, except when discussing fairness
Culture Affects How People Save Money
Immigrants show saving tendencies that carry through several generations
The Case for Building Wiggle Room into Goals
Aiming high, with some flexibility to trip up along the way, spurs greater success
Maximizing Retirement Savings: More Nudging Required
Tweaking 401(k) website design and language can significantly boost worker contributions, yet HR doesn’t always see these opportunities
Good Information Alone Won’t Drive Financial Well-Being
A review of academic research finds the path to saving more and spending less often involves emotional prompts
Consumer Spending and Jobless Data: a Peculiar Threshold
A 12-month high in local unemployment triggers savings behavior
Fresh-Start Framing Boosts Retirement Plan Participation
A behavioral nudge passes a real-world test with 6,000 workers
Lack of Urgency Can Undermine a Popular Behavioral Nudge
Encouraging pre-commitment to a future behavior helps people do hard things — but it can backfire
Why Big Banks Can Pay Less on Deposits
Their level of technology and services makes up for it; it’s vice versa with little banks