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Mechanisms Behind Retirement Saving Behavior: Evidence From Administrative and Survey Data
TIAA Institute Link to more items from this source
Feb. 28, 2018

"People who tend to procrastinate are more likely to stay at the default contribution rate under automatic enrollment. Low financial understanding increases the likelihood of remaining at the effective 0% default contribution rate in an opt-in plan. Non-procrastinators on average save more than other employees and are more likely to maximize their employer match. Tools and advice designed to help participants make saving decisions may need to account for the plan's default participation status."

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