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This article uses administrative data on all active employees of the Federal Reserve (FR) System to examine participation in and contributions to the Thrift Saving Plan, the System's defined contribution (DC) plan. We link to administrative records a unique employee survey of economic/demographic factors including a set of financial literacy questions. Not surprisingly, FR employees are substantially more financially literate than the population at large. Most importantly, financially savvy employees are also most likely to participate in their DC plan. Sophisticated workers contribute three percentage points more of their earnings to the DC plan than do the less knowledgeable, and they hold more equity in their pension accounts. We examine changes in employee plan behavior 1 year after employees completed a Learning Module about retirement planning, and we compare it to baseline patterns. We find that those employees who completed the Learning Module were more likely to start contributing and less likely to have stopped contributing to the DC plan postsurvey. In sum, employer‐provided learning programs are shown to significantly impact employee retirement saving decisions and consistent with a lot of other research, higher levels of financial literacy are found to have a beneficial impact on retirement saving patterns. (JEL J3, H7) 相似文献
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Several developed and developing countries have recently adopted a notional defined contribution (NDC) approach to old‐age pension reform. The NDC is essentially a non‐pre‐funded defined contribution retirement system, in which contributions are credited with a “rate of return” related to aggregate payroll growth, and individual account accruals are maintained in a book‐keeping system. Payouts are annuitized based on the expected mortality of each succeeding retiring cohort. NDC plans may be identified with appropriately calibrated Pay‐As‐You‐Go plans in demographic equilibrium, but the two paradigms diverge when demographic shift is introduced. This paper investigates the key actuarial and economic implications of alternative NDC rules, with a particular focus on Japan, the world's most rapidly ageing economy. We examine the potential role for pension reserves in transitioning to an NDC system, and we show these can be used to smooth the impact of demographic transition to an older society. Finally, we show that countries such as Japan could elect to use pension reserves accumulated in the past to facilitate the transition to an NDC system. 相似文献
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Richard J. Lundman Olivia M. Douglass Jason M. Hanson 《The Sociological quarterly》2004,45(2):249-272
Previous scholarly research on selection bias in news about murder indicates that race and gender stereotypes and, to a much lesser extent, the relative frequency of particular murders explain why some homicides are made into news and others are not. However, previous research has directed nearly exclusive attention to white newspapers. The present research remedies this omission by directing attention to the factors that shape selection bias in news about murder in a big-city African American newspaper. The results indicate that the relative frequency dimension of newsworthiness is a weak and inconsistent explanation of selection bias in news about murder in the black newspaper examined. Race, however, has profoundly different effects in white and African American newspapers. Whereas white newspapers use long-standing race stereotypes to filter news about murder, the data from the African American newspaper signal a firm rejection of the black image in the white mind (Entman and Rojecki 2000). Newspaper images of women and men are another matter. In both black and white newspapers, gender stereotypes uniformly filter news about murder and fundamentally distort gender effects. The implications of these findings are discussed including the clear need and ample scholarly room for replicative analyses of news about murder in other African American newspapers, with a keen eye on both "raced ways of seeing" (Hunt 1999, pp. 181–215) and gendered ways of seeing. 相似文献
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Maurice A. Feldman Susan M. Battin Olivia A. Shaw Ruth Luckasson 《Disability & Society》2013,28(7):997-1011
This study investigated whether children with disabilities are excluded from mainstream child development research. Fifteen per cent of 533 articles from Child Development and Developmental Psychology (1996–2010) were randomly selected. The exclusion rate was 89.9% when no mention of participants with disabilities was interpreted as exclusion and 66.7% when only studies mentioning disabilities were surveyed; 74% of studies did not provide justification for exclusion. Most studies could have included children with disabilities. Inclusion could be increased by adopting universal design principles and accommodations so that more children with disabilities can gain equal access to research opportunities and the benefits that accrue. 相似文献
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James Finn Vera Younis Mukhtar David J. Kennedy Hal Kendig Philip Bohle Olivia Rawlings-Way 《Journal of Housing for the Elderly》2013,27(2):217-242
This Australian exploratory study investigates the financial considerations retirees experienced before moving into a retirement village. A qualitative content analysis was undertaken on the responses of 52 retirement village residents, who were part of a much larger study on retirees’ accommodation choices in 2007. The respondents were grouped according to income, and the results were compared across the following groups (self-funded retirees, part-pension retirees, and full-pension retirees). Differences between the groups extended beyond affordability. Both pension groups were more anxious about the increasing costs of maintenance fees than self-funded retirees, and the importance of pensions and superannuation was also discussed. 相似文献
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