情况说明书如何影响退休收入产品的知识、认知和选择

IF 2 4区管理学 Q3 BUSINESS

Australian Journal of Management Pub Date : 2022-11-10 DOI:10.1177/03128962221132720

H. Bateman, Inka Eberhardt

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引用次数: 0

摘要

通过一项在线实验调查，我们测试了介绍退休收入产品标准化信息的情况说明书——平均年收入、收入保障产品评级、潜在收入形态、获得资本和死亡福利——如何影响年金、分期提款和混合产品菜单中的产品知识、认知和选择。产品选择受年度收入和收入保障的显著影响，在收入保障最为突出的情况说明书版本中，年金和混合年金产品最受欢迎。我们发现，各版本对概况介绍信息的了解没有显著差异，所有版本对Access to Capital的了解最少。D14、D83、D91

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How Fact Sheets affect retirement income product knowledge, perceptions and choices

Using an online experimental survey, we test how Fact Sheets presenting standardised information on retirement income products – Average Annual Income, an Income security Product Rating, Potential Income Shape, Access to Capital, and Death Benefits – influence product knowledge, perceptions and choices from a menu of annuity, phased withdrawal and hybrid products. Product choice is significantly influenced by annual income and income security, and the annuity and hybrid annuity products are most preferred in Fact Sheet versions where income security is most salient. We find no significant differences in knowledge of Fact Sheet information by version, with Access to Capital least understood in all versions. D14, D83, D91

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来源期刊

Australian Journal of Management Multiple-

CiteScore

10.60

自引率

4.20%

发文量

期刊介绍： The objectives of the Australian Journal of Management are to encourage and publish research in the field of management. The terms management and research are both broadly defined. The former includes the management of firms, groups, industries, regulatory bodies, government, and other institutions. The latter encompasses both discipline- and problem-based research. Consistent with the policy, the Australian Journal of Management publishes research in accounting, applied economics, finance, industrial relations, political science, psychology, statistics, and other disciplines, provided the application is to management, as well as research in areas such as marketing, corporate strategy, operations management, organisation development, decision analysis, and other problem-focuses paradigms.