Publication:

A behavioral study of Roth versus traditional retirement savings accounts

Date

Date

Date
2023
Working Paper

Citations

Citation copied

Bohr, C. E., Holt, C. A., & Schubert, A. V. (2023). A behavioral study of Roth versus traditional retirement savings accounts (No. 440; Working Paper Series / Department of Economics).

Abstract

Abstract

Abstract

Motivated by a popular perception that Roth accounts are welfare-improving for most people, this paper compares the effects of mandated Traditional (tax-deferred) or Roth (taxprepaid) retirement policies in a controlled laboratory setting. Selection effects, which complicate analyses of observational data, are avoided by random assignment to policies. Subjects receive exogenous incomes during “working” periods, followed by no-income “retirement” periods. In each period, subjects decide how many lab dollars to convert into “takehome pa

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9 since deposited on 2023-11-17
Acq. date: 2025-11-14

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3 since deposited on 2023-11-17
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Acq. date: 2025-11-14

Citations

Additional indexing

Creators (Authors)

  • Bohr, Clement E
  • Holt, Charles A
  • Schubert, Alexandra V

Series Name

Series Name

Series Name
Working paper series / Department of Economics

Institution

Institution

Institution

Item Type

Item Type

Item Type
Working Paper

Dewey Decimal Classifikation

Dewey Decimal Classifikation

Dewey Decimal Classifikation

JEL Classification

JEL Classification

JEL Classification
C91
D84
D91
E21
H24
J32

Keywords

Retirement, tax-deferred savings, Roth, IRA, compound interest bias, laboratory experiments

Scope

Scope

Scope
Discipline-based scholarship (basic research)

Language

Language

Language
English

Publication date

Publication date

Publication date
2023-11

Date available

Date available

Date available
2023-11-17

Number of pages

Number of pages

Number of pages
20

ISSN or e-ISSN

ISSN or e-ISSN

ISSN or e-ISSN
1664-7041

OA Status

OA Status

OA Status
Green

Other Identification Number

Other Identification Number

Other Identification Number
merlin-id:24168

Metrics

Downloads

9 since deposited on 2023-11-17
Acq. date: 2025-11-14

Views

3 since deposited on 2023-11-17
2last week
Acq. date: 2025-11-14

Citations

Citations

Citation copied

Bohr, C. E., Holt, C. A., & Schubert, A. V. (2023). A behavioral study of Roth versus traditional retirement savings accounts (No. 440; Working Paper Series / Department of Economics).

Green Open Access
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Files
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