Savings incentives for low- and moderate-income families in the United States: Why is the saver's credit not more effective?

被引：24

作者：

Duflo, Esther ^{[1
]}

Orszag, Peter

Gale, William

Saez, Emmanuel

Liebman, Jeffrey

机构：

[1] MIT, Cambridge, MA 02139 USA

[2] Brookings Inst, Washington, DC 20036 USA

[3] Harvard Univ, John F Kennedy Sch Govt, Cambridge, MA 02138 USA

[4] Univ Calif Berkeley, Berkeley, CA 94720 USA

来源：

JOURNAL OF THE EUROPEAN ECONOMIC ASSOCIATION | 2007年 / 5卷 / 2-3期

关键词：

D O I：

10.1162/jeea.2007.5.2-3.647

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

This paper uses data from the largest tax preparer in the United States to estimate the impact of the "saver's credit," a US federal program providing financial incentives to encourage retirement savings, on the decision to contribute to an IRA. It finds significant, but very modest, effects. This is contrasted with results from a field experiment showing much larger impacts of clearly presented matching incentives. Various explanations are discussed for why the saver's credit is not more effective.

引用

页码：647 / 661

页数：15

共 17 条

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