Pensions: Research & Articles

Programmes | Articles

Programmes

Governement programme

• Partnership between Autorité des Marchés (AMF) Quebec and senior association AQDR (Association québécoises de défense des droits des retraités et pré-retraités), Canada
• AMF Quebec Conference Team , AMF Quebec, Canada
• Consumer Education and Financial Literacy Programs, The Financial Consumer Agency of Canada (FCAC)
• The National Pensions Awareness Campaign (NPAC),The Pensions Board

Articles

Key articles and research on pensions issues are listed below, in alphabetical order, by author/institution.

A | B | C | D |  E | F | G | H |  I |  J | K | L | M | N | O  | P | Q | R | S | T  | U | V | W  | X | Y | Z

A

• ANZ Banking Group (2003), ANZ Survey of Adult Financial Literacy in Australia, www.anz.com/aus/aboutanz/Community/Programs/FinLitResearch.asp, accessed 21 October 2004.
• ANZ Banking Group (2005), ANZ Survey of Adult Financial Literacy in Australia, http://www.anz.com/aus/aboutanz/Community/Programs/pdf/ANZ_Survey_2005.pdfBayer P., D. Bernheim and K. Scholz (1996), “The Effects of Financial Education in the Workplace: Evidence from a Survey of Employers”, Working Paper 5655, National Bureau of Economic Research.

B

• Bell, Elizabeth,  et al.(2005), Strengthening private sources of retirement savings for low-income families, The Urban Institute, Opportunity and Ownership Project, No. 5, September 2005.
• Benartzi, S. and Thaler, R. (2002), “How Much is Investor Autonomy Worth”, Journal of Finance, August 2002, 57(4), pp. 1593-1616.
• Braunstein, S. and C. Welch (2002), “Financial Literacy: An Overview of Practice, Research and Policy”, Federal Reserve Bulletin, Washington D.C., www.federalreserve.gov/pubs/bulletin/2002/1102lead.pdf#, accessed 22 August 2003.
• Business World (2004), “BoI Warns—1 M Have No Pension Plan”, 27 September.

C

• Cato Institute (1998), The Benefits of Social Security Privatization for Women, SSP No. 12, 20 July 1998.
• Canadian Press (2005), “Retirement Saving, Financial Planning More Stressful Than Seeing the Dentist”, 21 February.
• Choi, J. et al. (2002), “Defined Contribution Plans: Plan Rules, Participant Decisions, and the Path of Least Resistance”, Working Paper 2002-3, Pension Research Council, The Wharton School, University of Pennsylvania, Philadelphia, http://rider.wharton.upenn.edu/~prc/PRC/WP/WP2002-3.pdf, accessed 11 January 2004.
• Clark R. and S. Schieber (1998), “Factors Affecting Participation Rates and Contribution Levels in 401(k) Plans”, in O. Mitchell and S. Schieber (eds.), Living with Defined Contribution Plans. University of Pennsylvania Press, Philadelphia.
• Clark R., et al. (2003), “Financial Education and Retirement Savings”, paper presented at the conference on Sustainable Community Development: What Works, What Doesn’t, and Why, sponsored by the Federal Reserve System, Washington, D.C., 27-28 March, www.chicagofed.org/cedric/seeds_of_growth_2003_conference_session1.cfm.

E

• Employee Benefit Research Institute (EBRI) (2009), The 2009 Retirement Confidence Survey: Economy Drives Confidence to Record Lows; Many Looking to Work Longer, April 2009
• Ernst & Young LLP Human Capital Practice (2004), The Role That Financial Education Programs Play in Influencing Participant Behavior in 401(k) Plans, www.ey.com/global/download.nsf/US/Financial_Education_Programs_in_401k_Plans/$file/Fin_Ed_401k_plans.pdf, accessed 2 March 2004.

F

• de Ferranti, David et al. (2002),The Future of Pension Reform in Latin America, IMF, Finance & Development, September 2002, Volume 39, Number 3.
• Paul Fronstin, EBRI (2003), Retiree health benefits: savings needed to fund health care in retirement, EBRI Issue Brief no. 254, February 2003.
• Francis D. (2004), “Ownership Society: Why the U.S. Can’t Buy In”, The Christian Science Monitor, 27 September.

G

• GAO (2002), GAO, Private Pensions: Participants Need Information on the Risks of Investing in Employer Securities and the Benefits of Diversification, Report to the Chairman, Committee on Banking, Housing, and Urban Affairs,U.S. Senate, September 2002.

H

• Hutch, Mary (2005), Pensions Board, Ireland, Educating Trustees and Pension Fund Managers, Presentation at the OECD/IOPS Conference on Private Pensions in Asia, held 27-28 April 2005 in Bangkok, Thailand.
• Hutch, Mary (2003) Pensions Board, Ireland, Explaining Reform to the Public, Educating the Consumer and Protecting Pension Fund Members, Presentation at the conference on Pension Reform in Russia: from Legislation to Implemention, held 24-26 September 2003 in Moscow, Russia.
• Helman R. and V. Paladino (2004), “Will Americans Ever Become Savers? The 14th Retirement Confidence Survey, 2004”, EBRI Issue Brief No. 268, Employee Benefit Research Institute (EBRI), Washington, D.C.
• Hewitt Associates (2005), “Hewitt Survey Reveals New Employer Trends in Retirement”, Press Release, 18 January, http://was4.hewitt.com/hewitt/resource/newsroom/pressrel/2005/01-18-05.pdf .
• Iyengar S., W. Jiang, and G. Huberman (2003), “How Much Choice is Too Much?: Contributions to 401(k) Retirement Plans”, Working Paper 2003-10, Pension Research Council, The Wharton School, University of Pennsylvania, Philadelphia, http://rider.wharton.upenn.edu/~prc/PRC/WP/WP2003-10.pdf , accessed 29 November 2004

J

• Jacob, Katy  et al. (2000), Tools for Survival: an analysis of financial literacy programs for lower income families, Woodstock Institute, January 2000.
• John Hancock Financial Services (2002), Insight into Participant Investment Knowledge and Behavior
• Jurninová, M. (2004), “Pension Media Blitz Targets Public”, The Slovak Spectator, October 11.

K

• Elaine Kempson and Sharon Collard (2005), Advice on pensions and saving for retirement: qualitative research with financial intermediaries, Personal Finance Research Centre, University of Bristol, on behalf of the Department for Work and Pensions, Research Report No 289.
• Keena, C. (2004), “Use of Financial Jargon in Literature Criticized by Literacy Agency”, The Irish Times, 18 September.

L

• Lusardi, Annamaria and Mitchell, Olivia (2006), Baby boomer retirement security: the roles of planning, financial literacy, and housing wealth, Working Paper, WP 2006-114, University of Michigan Retirement Research Center, April 2006.
• Lusardi A. (2003), “Saving and the Effectiveness of Financial Education”, Working Paper 2003-14, Pension Research Council, The Wharton School, University of Pennsylvania, Philadelphia, http://rider.wharton,upenn.edu/~prc/PRC/WP/WP2003-14.pdf, accessed 11 January 2004.
• Angela C. Lyons, et al. (2006), Are We Making the Grade? A National Overview of Financial Education and Program Evaluation, The Journal of Consumer Affairs, Vol. 40, No. 2, 2006. 

M

• Michigan Retirement Research Center (2009), Proceedings of the conference on Financial Literacy in Times of Turmoil and Retirement Insecurity, 20 March 2009

O

• OECD (2005), Improving Financial Literacy: Analysis of Issues and Policies, OECD, Paris, forthcoming.
• OECD (2005), “Survey of Investment Choice by Pension Fund Members”, internal working document, Directorate for Financial and Enterprise Affairs, OECD, Paris, (DAF/AS/PEN/WD(2005)7).

P

• Alexis Petitjean (2008), La formation financière, gage d'une préparation efficace à la retraite , Alexis Petitjean (Crédit Agricole), Horizons Bancaires, avril 2008

Q

• Queisser, Monika (1999), Pension Reform: Lessons from Latin America, OECD Development Center, Policy Brief no.15. 

S

• Scottish Widows (2009), UK Pensions Report - A major assessment of pensions savings behaviour, June 2009.
• SMF Social Market Foundation (2005), A UK Model for Compulsory Pension, 23 November 2005.

T

• Thaler R. and S. Benartzi (2001), “Save More Tomorrow: Using Behavioural Economics to Increase Employee Saving”, Working Paper, Graduate School of Business, University of Chicago, Chicago, http://gsbwww.uchicago.edu/fac/richard.thaler/research/SMarT14.pdf, accessed 28 June 2004.

U

• UK Department for Work and Pensions (2005), Financial education: a review of existing provision in the UK, Research Report No 275.
• U.S. Consumer Bankers Association (2004), Survey of Bank-Sponsored Financial Literacy Programs, April 2004
• U.S. Department of Education Institute of Education Sciences (2003), Identifying and Implementing Educational Practices Supported by Rigorous Evidence: A User Friendly Guide, National Center for Education Evaluation and Regional Assistance, December 2003.

V

• Van Rooij, M., Kool, C., and Prast, H. (2004), “Risk-return Preferences in the Pension Domain: Are People Able to Choose?”, DNB Working paper No. 25, December 2004.

W

• Weir J. (2004) “The Push to Save for Retirement”, Fairfax New Zealand Limited, August 31.
• Wheatcroft P. (2004), “‘Lender, beware’ is FSA’s Advice”, The Times, 21 January.
• Whitehouse E. (1998), “Pension Reform in Britain”, Social Protection Discussion Paper No. 9810.