کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
5034472 1471625 2017 18 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Small cues change savings choices
ترجمه فارسی عنوان
نشانه های کوچک تغییر گزینه های پس انداز
موضوعات مرتبط
علوم انسانی و اجتماعی اقتصاد، اقتصادسنجی و امور مالی اقتصاد و اقتصادسنجی
چکیده انگلیسی
We present evidence from randomized field experiments that 401(k) savings choices are significantly affected by one- to two-sentence anchoring, goal-setting, or savings threshold cues embedded in emails sent to employees about their 401(k) plan. Even though these cues contain little to no marginal information, cues that make high savings rates salient increased 401(k) contribution rates by up to 2.9% of income in a pay period, and cues that make low savings rates salient decreased 401(k) contribution rates by up to 1.4% of income in a pay period. Cue effects persist between two months and a year after the email.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: Journal of Economic Behavior & Organization - Volume 142, October 2017, Pages 378-395
نویسندگان
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