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Economics

Behavioral Nudges for Increasing Household Savings Rates

Quick fact

In a famous study, switching to automatic enrollment in a 401(k) plan raised participation rates from about 49% to 86% on the first day of eligibility—a dramatic effect with zero financial incentive.

Why this is interesting

You’ve likely been automatically enrolled in a retirement plan without noticing—and that small default might be why you’re saving more than you think. What if the way a choice is presented matters more than the size of the incentive?