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Are Pension Savings Sufficient? Perceptions and Expectations of American and Dutch Workers
Social Science Research Network [SSRN] 
June 26, 2008
Excerpt: Despite marked differences in expected and needed pension replacement rates - where the Dutch replacement rates are systematically higher than the American rates - the perceived savings adequacy is more or less the same across Dutch and American workers. Moreover, individuals' perceived savings adequacy was found to be influenced by the three groups of factors: institutional forces, social forces and psychological dispositions.
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