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1、BookReviews1039makesmall,continuousacquisitionsofdeferredchapterbyChristopherGeisslerandBenjaminannuitiesfrommid-careeronwardsthedefault,H.Harris,whoestimatethatthefiscalimpactthusavoidingtheneedtosuddenlyanddrasticallyofexpandingautomaticenrollmenttoall401(k)increaseone’sannuitizationlevelu
2、ponretire-planswouldbemodestandprogressive.ment.ThesearepromisingideasthatshouldbeReferencesstudiedwithpilotexperimentsinthefieldonceChoi,JamesJ.,DavidLaibson,BrigitteC.Madrian,currentregulationshavebeenrevisedtofacilitateandAndrewMetrick.2004.“ForBetterorforWorse:theirimplementation.Default
3、Effectsand401(k)SavingsBehavior.”InSomeofthechallengesforautomaticIRAsarePerspectivesontheEconomicsofAging,ed.DavidlaidoutinanextremelyenlighteningchapterA.Wise,81–126.ChicagoandLondon:UniversityofbyJohnandRuthLevine,whosurveynationalChicagoPress.HarrisInteractive.2007.“RetirementMadeSimpler
4、.”retirementsavingssystemsinAustralia,Chile,http://www.retirementmadesimpler.org/Library/NewZealand,andtheUnitedKingdom.ForFINAL%20RMS%20Topline%20Report%2011-5-example,Australia’sSuperannuationGuarantee07.pdf.(SG)systemrequiringemployerstocontribute9Madrian,BrigitteC.,andDennisF.Shea.2001.“
5、ThePowerofSuggestion:Inertiain401(k)Participationpercentofemployeeearningstoindividualretire-andSavingsBehavior.”QuarterlyJournalofEco-mentaccountsbearssimilaritiestotheautomaticnomics,116(4):1149–87.IRAproposal.JohnandLevinereportthat20TowersWatson.2010.“AutomaticEnrollmentin401(k)percentof
6、SGaccounts,eachholdinganaver-PlansNowDominatesatLargeEmployers,Towersageof$2,000,are“lostaccounts”becausepar-WatsonSurveyFinds.”http://www.towerswatson.com/united-states/press/2376.ticipantswhodidnotconsolidatetheiraccountsJamesJ.Choiuponswitchingjobscannolongerbefound.YaleUniversityPerhapsi
7、npartduetothesmallaverageaccountsizes,feesonSGassetsarehigh,averaging1.25percentofassetsperyear.OntheannuitizationAHistoryoftheFederalReserve.Volume2.Bookfront,JohnandLevinereportthatmorethanhalfOne:1951–1969.ByAllanH.Meltzer.ChicagoofChileanretire
