How can we incentivise pension saving?: a behavioural perspective

Document type
Working Paper
Hardcastle, Rob
Date of publication
1 April 2012
Working paper; 109
Poverty Alleviation Welfare Benefits and Financial Inclusion
Social welfare
Material type

Download (702KB )

This paper aims to describe and discuss issues around encouraging people to save and save more for their retirement, from a behavioural perspective. It looks at actual and potential savings incentives, the impact of incentives and how behaviour might be influenced by policy makers using so-called behavioural techniques such as nudge. While describing the use and impact of such measures, a further objective of the paper is to describe the context in which such measures have gained prominence in policy-makers’ thinking in recent years. In so doing, the paper traces the history and development of behavioural measures, and their roots in and connections with more traditional measures such as changes in tax incentives.

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