This paper uses the 1995 and 1998 Survey of Consumer Finances to examine 401(k) asset allocation behavior by individual and household characteristics, including spousal asset allocation behavior. The results provide evidence that, among married households in which each spouse has a 401(k) plan, spouses tend to invest their 401(k)s similarly rather than diversifying their holdings across spouses...

We present evidence from randomized field experiments that 401(k) savings choices are significantly affected by one- to two-sentence anchoring, goal-setting, or savings threshold cues embedded in emails sent to employees about their 401(k) plan. Even though these cues contain little to no marginal information, cues that make high savings rates salient increased 401(k) contribution rates by up t...

There is now a large amount of genomic data available in databases for researchers. Computational methods are yet available for data retrieval and analysis, including sequences similarity searches, structural and functionnal predictions. Computationnal detection of genes has received an important interest and many accurate methods are available. However, other functionnal sites are more difficu...

Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in retirement are untaxed. The more common before-tax 401(k) contribution is tax-deductible in the contribution year, but both principal and investment earnings are taxed upon withdrawal. Using administrative dat...

• The Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) have collaborated to develop the EBRI/ICI 401(k) Accumulation Projection Model. This model examines how 401(k) assets might contribute to retirement income for future retirees based on decisions workers make throughout their careers and finds that the median replacement rate from 401(k) accumulations dep...

A field experiment was carried out in the year 2014 and 2015 at experimental of Banaras Hindu University, Varanasi, Uttar Pradesh to evaluate effect agronomic weed management practices on crop growth rate (CGR) relative (RGR) direct seeded rice. Twenty-four treatment combinations consisting two mulching viz. no mulch live (brown manuring with Sesbania) nitrogen levels (120 kg ha-1, 150 ha-1&nbs...

given the important role of crop growth indices for explanation of cultivars yield differences in diverse environmental and agronomical circumstances, this experiment was conducted at research field of tarbiat modares university during 2007 growing season. experimental treatments were arranged in split-plot layout based on randomized complete blocks with four replications. in this research, sow...

• Modeling of auto-enrollment results: This Issue Brief simulates (under several assumptions) the likely impact of 401(k) plan sponsors switching from voluntary enrollment systems to automatic enrollment designs with automatic escalation of contributions for a significant portion of workers (not just current 401(k) participants or those eligible to participate). • PPA implemented a concept long...