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Economics

Behavioral Economics of Retirement Savings Plan Design

Quick fact

In a landmark study of U.S. 401(k) plans, automatic enrollment raised participation rates from about 40% to over 90% within the first year, with most employees sticking with the default contribution rate.

Why this is interesting

You decide to sign up for your company's retirement plan next month, then next month comes... and you still haven't done it. Why do so many of us never get around to saving for retirement, and what if the problem isn't laziness but the way the plan is designed?