要求提供退休计划是否有助于低收入工人为退休储蓄？俄勒冈储蓄计划的早期证据

IF 1.7 4区经济学 Q2 ECONOMICS

Contemporary Economic Policy Pub Date : 2024-05-15 DOI:10.1111/coep.12648

Ngoc Dao

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引用次数: 0

摘要

本研究考察了俄勒冈州于 2017 年首次实施的州立退休储蓄计划（OregonSaves）。它提供了关于这一强制计划对之前未被纳入计划的私营企业工人退休储蓄的实质性影响的早期见解。使用 SIPP 数据建立的差分模型的结果表明，俄勒冈州工人的个人退休账户（IRA）拥有量在该计划推出后增加了 12%。值得注意的是，该研究发现低收入、单身和年龄较大的工人，以及以前没有退休储蓄计划的小型企业工人的收益显著。研究结果还表明，这项强制措施还能节省更多资金。

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Does a requirement to offer retirement plans help low-income workers save for retirement? Early evidence from the OregonSaves program

This study examines the first implementation of the state-run retirement savings program in Oregon, known as OregonSaves, in 2017. It offers early insights into the substantial impact of this mandated program on retirement savings among previously uncovered private workers. Results from difference-in-difference models using SIPP data indicate a 12 percent increase in Individual Retirement Account (IRA) ownership among Oregon workers after the program's roll-out. Notably, the study discerns significant gains for lower-income, single, and older workers, as well as workers of small-size firms who previously lacked retirement savings plan coverage. Findings also suggest additional savings resulting from the mandate.

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来源期刊

Contemporary Economic Policy Multiple-

CiteScore

3.10

自引率

6.70%

发文量

期刊介绍： Contemporary Economic Policy publishes scholarly economic research and analysis on issues of vital concern to business, government, and other decision makers. Leading western scholars, including three Nobel laureates, are among CEP"s authors. The objectives are to communicate results of high quality economic analysis to policymakers, focus high quality research and analysis on current policy issues of widespread concern, increase knowledge among economists of features of the economy key to understanding the impact of policy, and to advance methods of policy analysis.