Retirement savings abandonment is a rising concern connected to defined contribution systems and default enrollment. We use tax data on Individual Retirement Accounts (IRAs) to establish that for a recent cohort, 0.4% of retirement-age individuals abandoned an aggregate of $66 million, proxied by a failure to claim over ten years after a legal requirement to do so. Analysis of state unclaimed property databases suggests that workplace defined contribution plans are abandoned at a higher rate than IRAs. Finally, regression discontinuity estimates show that certain accounts created by default enrollment are at higher risk of abandonment by passive savers.

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设置好之后就忘记了？违约时代的退休融资

放弃退休储蓄是一个与固定缴款制度和默认登记相关的日益令人担忧的问题。我们使用个人退休账户 (IRA) 的税务数据确定，在最近的一个队列中，0.4% 的退休年龄个人放弃了总计 6,600 万美元的资金，这表明在法律要求这样做后的十年内未能申报。对州无人认领财产数据库的分析表明，工作场所固定缴款计划的放弃率高于 IRA。最后，回归不连续性估计表明，通过默认注册创建的某些账户被被动储户放弃的风险较高。