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How is Retirement Wealth Affected by an Option to Delay an Increase in Savings?
Pension Research Council, The Wharton School of The University of PennsylvaniaLink to more items from this source
Dec. 8, 2015

"Relative to employees who are offered a convenient mechanism for increasing their contribution rates immediately, employees who are offered a convenient mechanism for increasing their contribution rates immediately or at a delay are no more likely to agree to an increase. In fact, the latter group exhibits lower savings rates over the coming months, as the delayed option attracts some employees. However, when the delayed option is framed as being implemented after a psychologically meaningful moment, such as an employee's next birthday, the negative effect of offering a delayed option is undone." [WP2015-12]

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