Overcoming the Saving Slump 1st Edition by Annamaria Lusardi 9780226497105 0226497100

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 ISBN 10:0226497100

 ISBN 13:9780226497105

Author:Annamaria Lusardi

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.  

Overcoming the Saving Slump 1st Table of contents: 

I. The Shift from Defined Benefit to Defined Contribution Pensions and Financial Regulation

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’ Pens

Chapter 3. The Trilateral Dilemma in Financial Regulation

II. Portfolio Choice, Life-Cycle Funds, and Annuities

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

III. Improving Financial Education and Saving Programs

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

IV. Learning from the United States and Other Countries

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

Chapter 13. Learning from the Experience of Organisation for Economic Co-operation and Developm

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