金融教育对储蓄和资产配置的影响

A. Lusardi
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引用次数: 20

摘要

储蓄和缴纳养老金的责任越来越多地留给了个人工人。了解家庭如何储蓄和为退休做准备是至关重要的。在美国,有一种担忧是,许多家庭在接近退休的时候几乎没有财富。在这个项目中,我使用了健康与退休研究(HRS)的数据,这是一个具有全国代表性的样本,出生于1931年至1941年之间,来检查老年家庭的财务状况和他们的退休计划。我首先指出,许多家庭没有考虑过退休的问题,即使他们离退休还有几年的时间,而且这件事迫在眉睫。这一发现证实了其他调查的结果,如退休信心调查,显示绝大多数工人没有任何退休计划。
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The Impact of Financial Education on Savings and Asset Allocation
The responsibility to save and contribute to a pension is increasingly left to the individual worker. Understanding how households save and prepare for retirement is of paramount importance. There is concern in the U.S. that many families have little or no wealth even close to retirement. In this project, I use data from the Health and Retirement Study (HRS), a nationally representative sample of the cohort born between 1931 to 1941, to examine the financial situation of older households and their retirement plans. I first show that many families have not thought about retirement even though they are a few years away from retirement and the event is imminent. This finding confirms the results of other surveys, such as the Retirement Confidence Survey, that show that a large majority of workers have not made any plans for retirement.
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