{"title":"个人对退休储蓄计划的反应:来自美国面板数据的结果","authors":"Steven F. Venti , David A. Wise","doi":"10.1016/0035-5054(95)90003-9","DOIUrl":null,"url":null,"abstract":"<div><p>Heterogeneity in individual saving behaviour presents the major difficulty in determining the saving effect of special retirement saving programs. We address that issue in this paper by “using individuals as their own controls”. The paper considers changes in other saving when individuals made contributions to Individual Retirement Accounts (IRAs) near the outset of that program. The analysis is based on the 1984 panel of the Survey of Income and Program Participation (SIPP). For the most part, we find that when individuals who were not contributing to an IRA began to contribute there was little change in other saving.</p></div>","PeriodicalId":101136,"journal":{"name":"Ricerche Economiche","volume":"49 3","pages":"Pages 235-254"},"PeriodicalIF":0.0000,"publicationDate":"1995-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1016/0035-5054(95)90003-9","citationCount":"19","resultStr":"{\"title\":\"Individual response to a retirement saving program: results from U.S. panel data\",\"authors\":\"Steven F. Venti , David A. Wise\",\"doi\":\"10.1016/0035-5054(95)90003-9\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<div><p>Heterogeneity in individual saving behaviour presents the major difficulty in determining the saving effect of special retirement saving programs. We address that issue in this paper by “using individuals as their own controls”. The paper considers changes in other saving when individuals made contributions to Individual Retirement Accounts (IRAs) near the outset of that program. The analysis is based on the 1984 panel of the Survey of Income and Program Participation (SIPP). For the most part, we find that when individuals who were not contributing to an IRA began to contribute there was little change in other saving.</p></div>\",\"PeriodicalId\":101136,\"journal\":{\"name\":\"Ricerche Economiche\",\"volume\":\"49 3\",\"pages\":\"Pages 235-254\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"1995-09-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"https://sci-hub-pdf.com/10.1016/0035-5054(95)90003-9\",\"citationCount\":\"19\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Ricerche Economiche\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://www.sciencedirect.com/science/article/pii/0035505495900039\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Ricerche Economiche","FirstCategoryId":"1085","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/0035505495900039","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
Individual response to a retirement saving program: results from U.S. panel data
Heterogeneity in individual saving behaviour presents the major difficulty in determining the saving effect of special retirement saving programs. We address that issue in this paper by “using individuals as their own controls”. The paper considers changes in other saving when individuals made contributions to Individual Retirement Accounts (IRAs) near the outset of that program. The analysis is based on the 1984 panel of the Survey of Income and Program Participation (SIPP). For the most part, we find that when individuals who were not contributing to an IRA began to contribute there was little change in other saving.
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