The Efficacy of Publicly-Available Retirement Planning Tools

Taft Dorman, Barry S. Mulholland, Qianwen Bi, Harold R. Evensky
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引用次数: 3

Abstract

Publicly-available retirement planning tools are publicized to aid households in their retirement planning efforts, but households are likely overestimating tool effectiveness. The authors conclude that the advice provided from a majority of these tools is extremely misleading to households, and propose a more systematic approach to tool development by improved choice of input variables. Analyzing professional advisor opinion and theory, critical input variables are identified and recommended. A case scenario is developed incorporating these critical variables and used to test the efficacy of 36 publicly-available retirement planning tools.
公共退休计划工具的有效性
公开可用的退休计划工具是为了帮助家庭进行退休计划,但家庭可能高估了工具的有效性。作者得出的结论是,这些工具中的大多数提供的建议对家庭来说是极具误导性的,并通过改进输入变量的选择,提出了一种更系统的工具开发方法。分析专业顾问的意见和理论,识别并推荐关键的输入变量。开发了一个包含这些关键变量的案例场景,并用于测试36个公开可用的退休计划工具的有效性。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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