Effects of an Individual Development Account Program on Retirement Saving: Follow-up Evidence From a Randomized Experiment

被引：8

作者：

Grinstein-Weiss, Michal ^{[1
]}

Sherraden, Michael ^{[1
]}

Gale, William G. ^{[2
]}

Rohe, William M. ^{[3
]}

Schreiner, Mark ^{[1
]}

Key, Clinton ^{[4
]}

Oliphant, Jane E. ^{[1
]}

机构：

[1] Washington Univ, Ctr Social Dev, St Louis, MO 63110 USA

[2] Brookings Inst, Econ Studies Program, Washington, DC 20036 USA

[3] Univ N Carolina, Ctr Urban & Reg Studies, Chapel Hill, NC USA

[4] Pew Charitable Trusts, Financial Secur & Mobil, Washington, DC USA

来源：

JOURNAL OF GERONTOLOGICAL SOCIAL WORK | 2015年 / 58卷 / 06期

关键词：

Asset effects; Individual Development Account (IDA); low-income households; retirement; savings;

D O I：

10.1080/01634372.2015.1052174

中图分类号：

R592 [老年病学]; C [社会科学总论];

学科分类号：

03 ; 0303 ; 100203 ;

摘要：

We examine the 10-year follow-up effects on retirement saving of an individual development account (IDA) program using data from a randomized experiment that ran from 1998 to 2003 in Tulsa, Oklahoma. The IDA program included financial education, encouragement to save, and matching funds for several qualified uses of the saving, including contributions to retirement accounts. The results indicate that as of 2009, 6 years after the program ended, the IDA program had no impact on the propensity to hold a retirement account, the account balance, or the sufficiency of retirement balances to meet retirement expenses.

引用

页码：572 / 589

页数：18

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