Overcoming the saving slump [[electronic resource] ] : how to increase the effectiveness of financial education and saving programs / / edited by Annamaria Lusardi

• Pubblicazione: Chicago, : University of Chicago Press, 2008
• Descrizione fisica: 1 online resource (406 p.)
• Disciplina: 332.6
• Soggetto topico: Saving and investment; Finance, Personal - Study and teaching
• Soggetto genere / forma: Electronic books.
• Altri autori: LusardiAnnamaria
• Note generali: Description based upon print version of record.
• Nota di bibliografia: Includes bibliographical references and indexes.
• Nota di contenuto: Frontmatter -- Contents -- Preface -- Introduction -- Chapter 1. The Changing Landscape of Pensions in the United States -- Chapter 2. Do Workers Know about Their Pension Plan Type? Comparing Workers' and Employers' Pension Information -- Chapter 3. The Trilateral Dilemma in Financial Regulation -- Chapter 4. Red, Yellow, and Green: Measuring the Quality of 401(k) Portfolio Choices -- Chapter 5. Life- Cycle Funds -- Chapter 6. Understanding the Role of Annuities in Retirement Planning -- Chapter 7. New Ways to Make People Save: A Social Marketing Approach -- Chapter 8. Adjusting Retirement Goals and Saving Behavior: The Role of Financial Education -- Chapter 9. Financial Education in High School -- Chapter 10. Learning from Individual Development Accounts -- Chapter 11. Learning from the Chilean Experience: The Determinants of Pension Switching -- Chapter 12. Learning from the Experience of Sweden: The Role of Information and Education in Pension Reform -- Chapter 13. Learning from the Experience of Organisation for Economic Co- operation and Development Countries: Lessons for Policy, Programs, and Evaluations -- Contributors -- Author Index -- Subject Index
• Sommario/riassunto: The 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.
• Titolo autorizzato: Overcoming the saving slump
• ISBN: 1-282-42669-9; 9786612426698; 0-226-49710-0
• Formato: Materiale a stampa
• Livello bibliografico: Monografia
• Lingua di pubblicazione: Inglese
• Record Nr.: 9910455403203321
• Lo trovi qui: Univ. Federico II