Your Financial Future:
Financial Savings And Investment Behavior
These sites are listed to show the range of information available regarding savings and investment behavior. WISER does not endorse any of these sites, and recommends that you investigate the sources before obtaining any services.
"Understanding Your Money and the Financial Markets," a quick primer on basic investment vehicles by Beth Kobliner.
"Retirement Income Adequacy at Large Companies: The Real Deal," explores the relationship between employers and employees in retirement savings and predicts which groups will be most successfully in establishing a secure retirement.
Source: Hewitt Associates
"How Well Are Employees Saving and Investing in 401(k) Plans," evaluates employee savings trends.
Source: Hewitt Associates
"Planning and Financial
Literacy: How Do Women Fare?," discusses different levels of financial literacy and financial security in women and makes recommendations for further research.
Source: Lusardi, Annamaria and Mitchell, Olivia S., American Economic Review
Allocation and Information Overload: The Influence of Information
Display, Asset Choice
and Investor Experience," investigates how presentation of information regarding retirement plans can greatly affect consumer choices and success in retirement planning.
Source: Agnew, Julie and Szykman, Lisa R., Center for Retirement Research at Boston College
Impact of Financial Education on Savings and Asset Allocation," describes how education of the public on the topic of financial savings can greatly increase likelihoods of financial security in retirement.
Source: Lusardi, Annamaria, University of Michigan Retirement Research Center
Retirement Education Teach People to Save Pension Distributions?," examines the relationship between financial education and savings.
Source: Muller, Leslie A., Social Security Bulletin, Vol. 64 No. 4
and Ethnic Differences in Wealth and Asset Choices," explains that differences in wealth often originate in differing investment behavior between majority and minority groups.
Source: Choudhury, Sharmila, Social Security Bulletin, Vol. 64 No. 4
Hope for Riches and Protection from Poverty," proposes one theory of investment strategy and trends and explores its benefits.
Source: Statman, Meir, Pension Research Council of the University of Pennsylvania
the Effectiveness of Financial Education," examines trends in savings among older households and how behavior may differ as a result of financial education.
Source: Lusardi, Annamaria, Pension Research Council of the University of Pennsylvania
Planning: Problems and Solutions," examines useful methodology for teaching people the importance of saving for retirement and emphasizes the importance of financial planning.
Source: Selnow, Gary W., Pension Research Council of the University of Pennsylvania
and Retirement Plan Design: One Size Does Not Fit All," examines the different methods used for retirement planning, their levels of effectiveness, and their implications.
Source: MacFarland, Donna M., Marconi, Carolyn D. and Utkus, Stephen P., Pension Research Council of the University of Pennsylvania
Information and Social Interactions for Retirement Saving
Decisions," examines the retirement savings decision-making process and its implications as well as proposing ways to improve the public's knowledge about these issues.
Source: Duflo, Esther and Saez, Emmanuel, Pension Research Council of the University of Pennsylvania
Principles and Pension Participant Behavior," examines retirement decision-making processes and proposes how our understanding of these issues can be improved.
Source: Saliterman, Victor and Sheckley, Barry G., Pension Research Council of the University of Pennsylvania
Afraid of a Poor Old-Age? Risk Perception in Risk Management
Decisions," evaluates individual perceptions of risk and how they affect investment decision-making and consequent financial security upon retirement.
Source: Weber, Elke U., Pension Research Council of the University of Pennsylvania
Differences, Financial Education, and Retirement Goals," examines the effects of education on retirement savings on decision-making in men and women.
Source: Clark, Robert L. et al, Pension Research Council of the University of Pennsylvania
Determines 401(k) Participation and Contributions?," discusses different retirement savings plans and how to maximize their benefits.
Source: Munnell, Alicia H., Sundén, Annika and Taylor, Catherine, Social Security Bulletin, Vol. 64 No. 3
Why So Many People Do Not Save," suggests that planning is a crucial component of retirement planning, and outlines how this leads to financial security in retirement.
Source: Lusardi, Annamaria, Center for Retirement Research at Boston College
Voluntary Individual Savings Accounts: An Analysis of IRAs,
401(k)s, and the TSP," attempts to predict involvement levels in Voluntary Individual Savings Accounts on the basis of trends of involvement in three other account types.
Source: Springstead, Glenn R. and Wilson, Theresa M., Social Security Bulletin, Vol. 63 No. 1