LEADER 04394nam 2200637 a 450 001 9910455403203321 005 20200520144314.0 010 $a1-282-42669-9 010 $a9786612426698 010 $a0-226-49710-0 024 7 $a10.7208/9780226497105 035 $a(CKB)1000000000799355 035 $a(EBL)471889 035 $a(OCoLC)489133602 035 $a(SSID)ssj0000341207 035 $a(PQKBManifestationID)11233253 035 $a(PQKBTitleCode)TC0000341207 035 $a(PQKBWorkID)10389516 035 $a(PQKB)10002367 035 $a(StDuBDS)EDZ0000115812 035 $a(MiAaPQ)EBC471889 035 $a(DE-B1597)523990 035 $a(OCoLC)1135569852 035 $a(DE-B1597)9780226497105 035 $a(Au-PeEL)EBL471889 035 $a(CaPaEBR)ebr10343452 035 $a(CaONFJC)MIL242669 035 $a(EXLCZ)991000000000799355 100 $a20080409d2008 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 00$aOvercoming the saving slump$b[electronic resource] $ehow to increase the effectiveness of financial education and saving programs /$fedited by Annamaria Lusardi 210 $aChicago $cUniversity of Chicago Press$d2008 215 $a1 online resource (406 p.) 300 $aDescription based upon print version of record. 311 $a0-226-49709-7 320 $aIncludes bibliographical references and indexes. 327 $tFrontmatter -- $tContents -- $tPreface -- $tIntroduction -- $tChapter 1. The Changing Landscape of Pensions in the United States -- $tChapter 2. Do Workers Know about Their Pension Plan Type? Comparing Workers' and Employers' Pension Information -- $tChapter 3. The Trilateral Dilemma in Financial Regulation -- $tChapter 4. Red, Yellow, and Green: Measuring the Quality of 401(k) Portfolio Choices -- $tChapter 5. Life- Cycle Funds -- $tChapter 6. Understanding the Role of Annuities in Retirement Planning -- $tChapter 7. New Ways to Make People Save: A Social Marketing Approach -- $tChapter 8. Adjusting Retirement Goals and Saving Behavior: The Role of Financial Education -- $tChapter 9. Financial Education in High School -- $tChapter 10. Learning from Individual Development Accounts -- $tChapter 11. Learning from the Chilean Experience: The Determinants of Pension Switching -- $tChapter 12. Learning from the Experience of Sweden: The Role of Information and Education in Pension Reform -- $tChapter 13. Learning from the Experience of Organisation for Economic Co- operation and Development Countries: Lessons for Policy, Programs, and Evaluations -- $tContributors -- $tAuthor Index -- $tSubject Index 330 $aThe great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded-or failed-in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi's findings will be invaluable for economists and anyone facing retirement. 606 $aSaving and investment 606 $aFinance, Personal$xStudy and teaching 608 $aElectronic books. 615 0$aSaving and investment. 615 0$aFinance, Personal$xStudy and teaching. 676 $a332.6 701 $aLusardi$b Annamaria$0126561 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910455403203321 996 $aOvercoming the saving slump$92064943 997 $aUNINA