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| Author: | Poterba, J. Venti, S. Wise, D. |
| Title: | Do 401(k) contributions crowd out other personal savings? |
| Journal: | Journal of Public Economics
1995 : SEP, VOL. 58:1, p. 1-32 |
| Index terms: | SAVINGS RETIREMENT ECONOMICS |
| Language: | eng |
| Abstract: | During the late 1980s, contributions to (401(k) eclipsed contributions to Individual Retirement Accounts (IRAS) as the leading form of tax-deferred individual retirement saving in the united States. In this paper the authors describe patterns of participation in 401 (k) plans, contrast these patterns with IRA participation, and evaluate the net impact of 401 (k) contributions on personal saving. The authors find that 401 (k) participation conditional on elegibility exceeds 60% at all income levels. |
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