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American Economic Journal: Economic Policy: Vol. 1 No. 1 (February 2009)
AEJ: Policy Volume. 1, Issue 1 | 
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AEJ: Policy Forthcoming Articles
Details Matter: The Impact of Presentation and Information on the Take-Up of Financial Incentives for Retirement Saving
Article Citation
Saez, Emmanuel. 2009. "Details Matter: The Impact of Presentation and Information on the Take-Up of Financial Incentives for Retirement Saving."
American Economic Journal: Economic Policy,
1(1): 204-28.
DOI: 10.1257/pol.1.1.204
DOI: 10.1257/pol.1.1.204
Abstract
We examine the effects of presentation and information on the take-up
of financial subsidies for retirement saving in a large randomized
experiment carried out with H&R Block. The subsidies raise take-up
and contributions with larger effects when the subsidy is characterized
as a matching contribution rather than an equivalent-value tax
credit (or cash back), and when filers are informed before the tax
season about the subsidy. The results imply that both pure incentives
and the presentation of those incentives affect consumer choices.
(JEL D14, H24, H31, J26)
Article Full-Text Access
Full-text Article
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Download Data Set (303.71 KB)
Authors
Saez, Emmanuel (U CA, Berkeley)
JEL Classifications
D14: Personal Finance
H24: Personal Income and Other Nonbusiness Taxes and Subsidies; includes inheritance and gift taxes
H31: Fiscal Policies and Behavior of Economic Agents: Household
J26: Retirement; Retirement Policies
H24: Personal Income and Other Nonbusiness Taxes and Subsidies; includes inheritance and gift taxes
H31: Fiscal Policies and Behavior of Economic Agents: Household
J26: Retirement; Retirement Policies
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