受监管的退休提款支出:隐含认可的作用*

IF 1.3 4区经济学 Q3 ECONOMICS

Scandinavian Journal of Economics Pub Date : 2021-04-19 DOI:10.1111/SJOE.12437

J. Garcia, J. Bonekamp, H. Bateman, Ralph Stevens

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引用次数: 4

摘要

我们在荷兰和澳大利亚进行了一项在线调查，以探讨政府监管的养老金财富减少所传达的隐含支持推动对退休支出模式的影响。隐含的支持推动是有效的。它影响了约30%的调查参与者的首选退休支出模式，尤其是那些经济资源较少、养老金能力较低的人。澳大利亚参与者更有可能遵循被视为隐含政府建议的推动，而荷兰参与者更有可能回应同行的建议。我们的研究结果为受监管的提款规则提供了支持，该规则是指导退休支出模式的战略的一部分。JEL:D14，D90，J14，J26

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Spending from Regulated Retirement Drawdowns: The Role of Implied Endorsement*

We fielded an online survey in the Netherlands and Australia to explore the influence of an implied endorsement nudge, conveyed by a government regulated drawdown from pension wealth, on spending patterns in retirement. The implied endorsement nudge was effective. It influenced the preferred retirement spending patterns of around 30% of survey participants, particularly those with fewer financial resources and low pension capability. Australian participants were more likely to follow the nudge where it was framed as implicit government advice while the Dutch were more likely to respond to a suggestion that the nudge was a recommendation from peers. Our results provide support for a regulated drawdown rule as part of a strategy to guide spending patterns in retirement. JEL: D14, D90, J14, J26

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来源期刊

Scandinavian Journal of Economics ECONOMICS-

CiteScore

2.50

自引率

0.00%

发文量

期刊介绍： The Scandinavian Journal of Economics is one of the oldest and most distinguished economics journals in the world. It publishes research of the highest scientific quality from an international array of contributors in all areas of economics and related fields. The journal features: - Articles and empirical studies on economic theory and policy - Book reviews - Comprehensive surveys of the contributions to economics of the recipients of the Alfred Nobel Memorial Prize in Economics - A special issue each year on key topics in economics