Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 32 for “"Retirement Savings"”.
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Individual retirement savings behaviour : evidence from Malaysia
… choice decisions within the context of retirement savings in Malaysia. The focus is on individuals‟ likelihood of investing part of their retirement savings in approved unit trusts (also known as mutual funds). In addition, individuals‟ choice of fund and mutual fund selection criteria …
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Modeling Monte Carlo simulations for retirement savings accumulations in Iceland
… system are likely to deliver better or worse retirement outcomes than more equity-oriented glide paths common in global asset management. Simulations were based on 45-year accumulation periods, applying historical return data across a thousand randomly generated investment paths. Asset …
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Behavioral Aspects of Retirement Savings: How do 401(K) Plans Affect Household Asset Accumulation?
The nature of employee retirement plans has changed dramatically over the past fifteen years as employers have been replacing traditional defined benefit retirement plans with defined contribution plans like the 401(k) plan. This dissertation is focused on the impact that 401(k) plan have on …
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Perceptions of Retirement Savings: Through the Lens of Black amaXhosa Women in South Africa
… performed on the quantitative amount of formal savings held by various racial and gender groups. Such research has often concluded that Black women are the least prepared for retirement. Therefore, a narrative of scarcity has been perpetuated without fully understanding the underlying reason …
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INVESTING, POLITICS, AND TIME: HOW TEMPORAL FRAMING CAN OVERCOME PARTISAN MOTIVATED REASONING TOWARDS RETIREMENT SAVING
Americans are not financially prepared for retirement and the World Economic Forum (2019) is forecasting the US retirement savings gap to grow consistently for the next three decades. Addressing this retirement savings gap will almost certainly require individuals to increase their retirement …
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Women's Retirement Income Satisfaction and Saving Behaviors
Retirement saving research frequently has investigated the differences between working men and working women and primarily focused on the near retirement and retirement years. There is limited research targeting young to old working-age women including those who do not work for pay and are …
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Household savings and portfolio choice
… consists of three essays that examine household savings and portfolio choice behavior. Chapter One analyses the effects of employer matching contributions and tax incentives on participation and contribution behavior in employer-sponsored 401(k) savings plans. Employer sponsored retirement …
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A taxing incentive? a comparison of retirement saving using discretionary investment and Regulation 28 in a Life-Cycle Model
… asset allocation and reduce investment risk for retirement savings when contrasted to discretionary investment. A quantitative risk and return analysis was performed using available data for Regulation 28 compliant funds and the Johannesburg Stock Exchange indices. The analysis considers two …
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Wealth management and divorce: how stress adjustment affects the accumulation, management and distribution of wealth
… the effects of divorce on precautionary and retirement savings, proportion of assets in risk investments, and bequest intentions. Using data from the Panel Study on Income Dynamics from the University of Michigan Center for Social Research, exponential fractional regression models (EFRM) were …
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Three Essays on Behavioral Economics
… can induce meaningful improvements in retirement savings behavior. To address this question, this chapter employs a randomized field experiment conducted in Korea and finds that even a brief, scalable educational intervention significantly increases the intention of employees to engage …
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Better member outcomes in superannuation through data driven financial literacy prediction
… of product innovation and government reform the retirement savings system in Australia has become increasingly complex. Everyday Australians are now required to possess sophisticated financial decision making skills in order to safely navigate the many risks and opportunity costs associated with …
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Delinquency and default in ARMS: The effects of protected equity
… takes advantage of the use of compulsory retirement savings to finance the purchase of housing in Singapore and the regulatory protection conferred to the savings used to conduct a natural experiment to investigate the role of government and the role of protected borrower equity in …
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Multigenerational Living: Reconfiguration of the Suburban House
… seniors battle with low pension and insufficient retirement savings. In response, all three generations begin residing in a single detached home in the suburbs. The core issue with conventional single-family suburban homes is that they are not designed to accommodate a large family. Shared spaces …
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Variation in marginal tax rates around retirement and the return to saving in tax-favored accounts
… generally assumed that to the extent possible, retirement savings should be done in a tax-deferred account. However, the advent of Roth-style tax-favored accounts and concerns about the tax implications of increasing retirement income through tax-deferred distributions indicate that this …
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Financing retirement consumption and bequests
… evaluate possible vehicles for financing either retirement consumption or bequests. Chapter 1 compares the use of Roth and tax-deferred retirement accounts for retirement consumption with the use of taxable accounts. Previously, economists have often assumed that retirement savings should be done …
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Essays on financial literacy, cognitive ability and financial decision-making.
… growth bias on portfolio allocation of retirement savings. Exponential growth bias refers to individuals’ underestimation of the effects of exponential growth. Using a new survey of Indonesian employees from various sectors, the results show that exponential growth bias matters …
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Asset Limits, Savings Behavior, and Welfare: Evidence from the SIPP and a Life-Cycle Model
… (ABLE) accounts, which are tax-advantaged savings vehicles for individuals with disabilities exempt from means testing. Simulations indicate that ABLE eligibility increases early-life consumption by approximately $10,000 and reduces retirement savings, with account holders shifting more …
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Three Essays in Life Cycle Modelling
… techniques and decision-making strategies for retirement planning and portfolio management. It is composed of three essays, each addressing distinct but interrelated challenges in life-cycle financial models. The first essay establishes a proof of monotonicity between pre-decision and …
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