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The Automatic 401(k): A Simple Way to Strengthen Retirement Savings (PDF)
The Retirement Security Project 
Apr. 13, 2005
16 pages. Excerpt: A growing body of evidence suggests that the judicious use of default arrangements -- arrangements that apply when employees do not make an explicit choice on their own -- holds substantial promise for expanding retirement savings. The effects appear to be particularly promising for middle- and lower-income households, who have the greatest need to increase their savings.
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